Credit Card Swiper turns your iPhone or iPad into a portable payment terminal. This app allows approved merchants to process transactions anywhere, providing a flexible solution for on-the-go businesses. It is designed for professionals who need to accept various forms of payment directly from their mobile device.
What is Credit Card Swiper?
Credit Card Swiper is a mobile payment processing application. Its primary purpose is to enable merchants to accept credit and debit card payments remotely. The target users are small business owners, freelancers, and service providers who operate outside a traditional brick-and-mortar setting. The app's general functionality involves connecting a physical card reader to an iOS device to securely process transactions.
Why Should You Use Credit Card Swiper?
Users choose this platform for its mobility and comprehensive payment tracking. It eliminates the need for a fixed point-of-sale system, making it ideal for vendors at markets, food trucks, or service calls. The primary advantages of using Credit Card Swiper include its ability to accept multiple payment types and its next-day funding for processed transactions.
Key Features of Credit Card Swiper
The core functionalities of Credit Card Swiper are built around seamless transaction processing.
Mobile Card Processing: Accepts all major credit cards (Visa, MasterCard, Discover, American Express) using a free, provided card reader.
Multiple Payment Methods: Supports credit, debit, cash, and check payments, all tracked within the same system.
Digital Receipts: Sends transaction receipts to customers via text message or email directly from the app.
Sales Tracking: Provides an at-a-glance overview of all sales and allows for data export to Excel for further analysis.
Tax and Tip Calculation: Automatically calculates tax and allows customers to add a tip to their payment.
Additional Features
Beyond its core functions, Credit Card Swiper includes several supporting tools.
Inventory Management: The app includes features to easily track and manage sold items.
Merchant Account Integration: This tool works with several major payment gateways, including Authorize.net and NMI.
How to Download and Install Credit Card Swiper
1. Open the App Store on your iOS device (iPhone, iPad, or iPod touch).
2. Tap the Search icon and type "Credit Card Swiper" into the search bar.
3. Locate the correct app from the results and tap the "Get" or download button.
4. Use Face ID, Touch ID, or your Apple ID password to confirm the installation.
5. Wait for the app to download and install on your device's home screen.
How to Use Credit Card Swiper
1. Open the installed Credit Card Swiper application.
2. Sign up for a merchant account through the app or its associated provider, Merchant Account Solutions.
3. Upon approval, you will receive a free physical card reader.
4. Connect the reader to your device and begin processing payments by swiping cards or manually entering details.
Advantages and Disadvantages
Pros:
Offers significant convenience for mobile businesses and remote transactions.
The provided hardware (card reader) is free upon account approval.
Consolidates multiple payment types (card, cash, check) into one tracking system.
The option for next-day funding improves cash flow for small businesses.
Cons:
Requires an approved merchant account to function, which involves an application process.
Its utility is entirely dependent on having a stable network connection.
Is Credit Card Swiper Safe to Use?
Credit Card Swiper is safe to use as it relies on established, secure payment gateways like Authorize.net to process transactions. As with any financial app, it will require permissions to access functions like your camera (for scanning) and network connection. Users should ensure they download the official app and follow all recommended security practices for their merchant account.
Compatible Apps or Tools
Credit Card Swiper is designed to integrate with specific payment processors and business tools. Its primary compatibility is with merchant account providers and gateways such as:
Authorize.net
PayPal (via PayFlow)
NMI
Quantum Gateway
Merchant Plus
FAQs
Do I need a special reader to use Credit Card Swiper?
Yes, the app requires a physical card reader, which is provided for free upon approval of your merchant account application.
What types of cards does Credit Card Swiper accept?
The application accepts all major credit and debit cards, including those from Visa, MasterCard, Discover, and American Express.
How quickly are funds deposited?
A key feature of this service is next-day funding, meaning approved transactions are deposited into your account by the next business day.
Can I use this app without a merchant account?
No, you must have an approved merchant account through Merchant Account Solutions to process live payments with Credit Card Swiper.
Conclusion
Credit Card Swiper is a practical tool for entrepreneurs and small businesses that operate on the move. It effectively transforms an iOS device into a comprehensive payment terminal. For those who need a flexible and reliable way to accept various payments and already have or are willing to set up a merchant account, Credit Card Swiper presents a solid solution.
