Accept credit cards from literally anywhere you get a signal on your cell phone! For absolutely no setup fee you can process transactions right on the work site, at tradeshows, in the office… virtually anywhere and at any time 24/7 toll-free. Payment processing couldn’t be easier! Don’t pay high priced equipment leases, or other fees. Use any touch-tone telephone to process transactions (does not have to be a cell phone)! All of the credit card processing providers below offers wireless credit card processing solutions.

Transaction Fee (Retail/Internet)Average Discount Rate (Retail/Internet)SupportCancellation Fee
$0.10 / $0.220.28%-1.58% / 0.28%-2.08%24/7 Support. U.S. Based.$0
$0.10 / $0.100.20% / 0.50%24/7 U.S. Based$0
$0.10 / $0.180.15% / 1.99%24/7 Support$0
$0.16 / $0.160.55% / 2.09%24/7 Support U.S. Based$0
$0.25 / $0.200.79% / 1.28%24/7 US$0

Wireless Merchant Accounts

Wireless Merchant Account Solutions are options that enable merchants to use their own merchant account to process via wireless devices, via phone, or via laptop. Wireless merchant accounts are most widely used by card-present mobile merchants, but they also support mail/phone order entry via their keypad (cards do not have to be swiped to be processed). “Card Present” simply means that at least 80% of your business is done face-to-face with your customers so you can “swipe” or “slide” the card through the terminal. Card swiping always offers the lowest rates from a per-transaction perspective. But, when it comes to monthly fees touch-tone solutions and Laptop/Virtual Terminal merchant account solutions offer lower monthly fees.(Use wireless terminals, existing PDA phone attachments, touch-tone phones, or even laptops to process payments wirelessly)!

Though prices do vary from one merchant provider to another, one thing that is fairly common is that real wireless credit card processing do cost more overall than real standard retail merchant accounts. This is due to the expensive wireless network and carrier costs usually associated with a wireless merchant account. A fairly priced wireless merchant account should cost only about $0.05 cent more per transaction and $10-$15 more per month than the standard retail merchant account.

Benefits of your own wireless merchant account vs. other trendy third party wireless solutions that wireless merchant accounts have a ton more flexibility and service and lower overall transaction fees. Third party wireless solutions that are often touted on various blogs are good for some merchants processing less than $1000 per month and that do not have a desire to have a representative that is associated with their account. Not only do wireless merchant accounts cost you much less per transaction, but you also have much better customer service, fraud monitoring, chargeback assistance (in case your customer is disputing a card), and detailed online reporting. Wireless merchant accounts are much better overall for the professional merchant that wants to worry less about issues surrounding credit card processing, and more on running their business. Real wireless merchant accounts also offer the flexibility of combining services – so you may combine a wireless terminal with a touch-tone solution, or touch-tone solution with the laptop solution (all under one account)!

Power-Packed Features & Benefits

Great service and features should not cost your business an arm and a leg. Now you can get all the benefits and features your business needs, without the high costs other merchant service providers charge. Check out this long list…

  • Lowest monthly fee for credit card processing
  • Start processing in just 24 hours in some cases!
  • No business checking account needed
  • Can be used by both businesses or individuals (Tax ID not necessary)
  • High monthly processing cap of $60,000 to $150,000
  • Mailed monthly statements
  • 24/7 hour tech support – No self-help automated systems
  • FREE online transaction reporting
  • Simple, short, quick order entry
  • No expensive equipment; all you need is a phone – No need to purchase expensive wireless credit card terminals – You can even use your regular office phone and cordless phones!
  • Quick deposits – Funds automatically placed into your checking account within 48 hours
  • 100% secure transactions
  • Process all major credit cards
  • No signature required, but recommended
  • No long distance charges to pay
  • Your company name appears on cardholder’s statements

Who Needs A Wireless Merchant Account?

All types of businesses can take advantage of cell phone credit card processing, including:

  • Flea markets/trade shows
  • Christmas Tree Farms
  • Avon & Mary Kay Reps
  • Barbers
  • Hair & Nail Stylists
  • Locksmiths
  • Pizza Delivery
  • Plumbers & Electricians
  • Taxi & Limousine Companies
  • Auto Repair
  • Computer Repair
  • Consulting Firms
  • Window & Door Installers
  • Lawn Services
  • Pool Services
  • Carpenter & Home Maintenance
  • Home Inspectors
  • Pest Control
  • Craft Vendors
  • Seasonal Businesses
  • HVAC
  • Windshield Repair
  • Catering Service

…plus many, many more!!

If you do a lot of business away from the office, you definitely need a cost effective option to process payments.

Client Comments

Here’s what some of our clients had to say about Touch-Pay:

“I have received all of my merchant information and I wanted to thank you for making this a simple, pleasant process. It truly is as easy as you make it seem on your web site. I was expecting a lot of unmentioned fees and complicated credit card processing procedures. I used the ARU for the first time this morning. I was, quite honestly, shocked at the simplicity of the process. All I had to do was put in a few numbers and my authorization code was provided. Thank you once again for your professionalism, honesty and “easy to use” system.”
C. LaPinta

“First, I would like to say that Touch Pay is really cool. It’s fast and it’s easy. I love it and have highly recommended it to several other vendors.”
Deanna Crichton, Deanna’s Flag Tent

“I was ready in 24 hours and processing customers the next day. The approval process for my customers was quick and easy on the spot. Thank you so much for providing your customers with such simple, phenomenal service so that I can provide mine with the same.”

“Touch-Pay’s account approval process was fast and will come in very handy for me as I interact with my customers!”
Jonathan, Kid Pedal Cars

We’ve been busy calling in to verify charges via phone, it’s worked out great!”
Gerry, Prime Time

“This is what I call quality customer service in the field. I will as well let my partners know of your good services and refer them.”
Belinda, Koatof Int’l

“I must say I am extremely impressed with the level of customer service. How often do you get someone to answer email in the same day you sent it, much less within an hour or two!”
Becki, Palfrey Media

5 Easy Steps to Wireless Payment Processing

Once you’ve signed up, all it takes is five easy steps to process a credit card with your phone:

  1. Call toll-free 800 number (will be provided) from any touch-tone, portable or cellular phone.
  2. At the prompt, key in your assigned merchant number.
  3. Enter your customer’s credit card information using the phone keypad.
  4. Write the approval number for reference purposes.
  5. Hang up—your done! The funds will be automatically transmitted to your bank account.

Wireless credit card processing could not get any easier!

Get setup for a low startup fee!

All you pay is a low startup fee to process credit cards using your cell phone (or any phone for that matter).

Pricing Comparison Check out both of these options: Competitor Pricing
TouchPayOption1 TouchPayOption2
Application Fee:    NONE NONE  $25 to $50
One-Time Setup Fee:  $0 $0  $75 to $150
Credit Card Processing Fee: 2.09%Per Transaction Fee: NONEPhone Processing Fee: $0.75 per transaction 3.25%Per Transaction Fee: $0.25%Phone Processing Fee:  NONE 2.45% to 2.90%Per Transaction Fee: $0.35 to $0.50Batch Fee: $0.35 to $0.50
Statement Fee: $5.95/month  NONE – $0/month  $10 to $20/month
Online Reporting: FREE FREE  $5 to $10/month
Virtual Terminal for Processing from your computer  May be added for a very low fee  May be added for a very low fee $10-$20 per month
Support for seasonal merchants:   Yes Yes Sometimes others charge a deactivation and reactivation fee.
Annual Fee:  NONE NONE $50 to $100
Max. Processing Limit:  $60,000 to $120,000/month  $60,000 to $120,000/month  $5,000/month
Funds Deposited in Checking Account:  1-2 business days 1-2 business days  2 to 3 business days


Alternative Wireless Hardware/Swipe Solutions

Way Systems MTT 5000 Terminal and PrinterWay Systems MTT 5000Price: $299 (free for select merchants depending on existing volume)1.69% plus $0.18 cents per credit card transaction and $0.05 cent wireless per transaction fee.$7.99/month statement fee$15 monthly wireless access fee Nurit 8000 Wireless Terminal and PrinterNurit 8020Price: $299-$4991.69% plus $0.18 cents per credit card transaction and $0.05 cent wireless per transaction fee.$7.99/month statement fee$15 monthly wireless access fee
Laptop Wireless Swipe Solution with PCCharge SoftwareLaptop Wireless Swipe Solution with PCCharge Software

Option 1 Price: No software purchase required, $85 for the USB credit card swipe reader, 1.69% per swipe, plus $0.18 cents per transaction, $7.99 merchant account monthly fee, $10.99 monthly gateway fee

Option 2 Price: $199 for Software Purchase, $85 for the USB credit card swipe reader, 1.69% per swipe, plus $0.18 cents per transaction, $7.99 merchant account monthly fee, $10.99 monthly gateway fee.

Option 3 Price: This is a Hand Keyed (Non-Swipe option) so Card Reader or Card Swipe Purchase Required, 2.19% per transaction, plus $0.23 cents per transaction, $8.99 merchant account monthly fee, no monthly gateway fee.

Convert your existing PDA CellPhone to a card swipe terminalCard Swipe for Existing CellPhone

Price: FREE ($0) Card Swipe Reader1.69% plus $0.18 cents per transaction.$0.05 cent wireless per transaction fee.$7.99/month statement fee$10 wireless monthly fee (which can be reduced or waived for merchants with more volume)

**Featured rates and fees are not meant to be entirely inclusive; other rates and fees may apply based on your type of operation. Entire rate and fee schedule will be included in your Merchant Application and Merchant Processing Agreement. These will be available for review prior the completion of the setup of your merchant account.