Taxi and Limo Mobile Credit Card Processing

Advances in technology have made it easier than ever to shop via credit card or debit card, virtually eliminating the need to carry cash. Cash is easy to lose and offers no security if lost or stolen. That’s why many people now carry less than 10$ in cash and change in their pockets. In fact it has become so commonplace that cash is not necessary that when suddenly confronted with a business that does not take credit or debit forms of payments many customers are thrown for a loop and left without another easy payment option.

Many taxi and limo commissions are getting with the times and requiring vehicles to accept electronic forms of payment. Business men dashing to a meeting, tourists flocking to the latest attraction and people heading home from bars and events are now able to pay for their cab or limo with plastic. Many cabs and limos are now installing credit card machines in the back for customer use. In areas where it is now a law that cabs accept electronic payment, the rule is even written into the customer’s bill of rights posted in the backseat.

Some taxi and limo workers however have been disillusioned with the new rules since many credit card processing companies charge huge fees to use their services. This can lead to disgruntled employees and inconvenience to customers who get into a cab planning to pay by credit card as posted but later told the machine is broken or unavailable because the vehicles operator doesn’t like the fees. The fees are not allowed to be passed on to the consumer and minimum fares are not allowed to be imposed on the passengers either. Think of it this way, if the fare is low to start with then deducting another 5% or so off the profits makes the transaction almost worthless to the driver. Minimizing the difficulty and costs associated with electronic transactions is very important.
Using the services of Electronic Transfer Inc. can make the transition easier and more cost efficient. They offer services for all major credit cards with a very low startup cost. In fact, many of the startup costs associated with other transaction company have been waived or eliminated by Electronic Transfer Inc. There is simply no comparison between their costs and the competition.

Accepting electronic payments can increase your revenue and widen your customer base. As people move away from using cash and carrying it less often, you will lessen the risk of being stuck with a passenger unable to pay the fare. People paying by credit card have been known to spend more money per transaction. Now Electronic Transactions Inc. has made it even easier for taxis and limos to accept credit and debit cards with mobile payments made by IPhone, Android or other smart phones. Mobile payment is the fastest growing payment option in electronic payment popularity.

The Better Business Bureau gives Electronic Transactions Inc. an A+ rating. They have been in business since 1989 and have services thousands of clients. Increase the power of your business today by choosing to accept credit and debit card payments.


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Credit Card Swiper for Android

Credit Card Swiper for Android

Credit Card Swiper for Android

Swipe Credit Card Terminal

Swipe allows you to accept credit cards when you’re on the road, at the trade show, or selling at the market. It’s the easiest and most affordable way to jump-start your business  and increase sales. All you need is your mobile device, iPhone, iPod touch, iPad, or Android phone and you can process credit cards. No need for a credit card terminal, phone line or power—you’re wirelessly accepting credit cards on the go!

Customizable receipts are sent to your customers at the time of purchase, giving you the ability to promote other products, reduce charge backs, and encourage repeat business.

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merchant-account-service

 

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Square Outage Stops Payments

Users of Square’s Web site and app experienced a brief outage that prevented some payments from being processed.

Square was hit by an hour-long outage yesterday evening, stopping some payments being processed.

Square was hit by an hour-long outage yesterday evening, stopping some payments being processed.

The outage caused problems for users of the startup’s website, Squareup.com, as well as its mobile app, The Next Web reports.

Square allows merchants to take credit card payments using its free Square card reader, which plugs into iOS or Android mobile devices. The company processes $5 billion of transactions per year.

The startup this month added Starbucks to its list of customers. Some 7,000 Starbucks outlets will introduce Square’s mobile payment system this fall, and the coffee chain also invested $25 million in the mobile payments startup.

 

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Mobile Wallet – Expert Expects Over 200 Mobile Wallets

More than 200 variations of mobile wallets currently vie for consumer attention in the  mobile walletU.S., and in another nine months some say that number may double.

That means issuers, merchants and consumers will be awash in choices and the “wallet in the cloud” will likely become a more common concept, George Peabody, director of emerging technologies for Mercator Advisory Services, suggested during a session on cloud-computer based payment systems at the annual Card Forum and Expo here.

Cloud-based mobile wallets offer certain advantages for storing transaction data and minimizing steps for merchants and consumers, experts say.

While many emerging mobile wallet ventures could ultimately end up as “road kill,” statistics show consumers indeed favor mobile shopping experiences, Peabody noted.

Some 42% of consumers Mercator surveyed recently said they mostly shop online, while only 12% indicated they shop mostly at brick-and-mortar locations, Peabody noted.

The declining excitement about in-store shopping has merchants scared to death, Peabody suggested. As such, they are very interested in exploring new ways to connect with consumers for sales and marketing, including through mobile platforms.

Much of the interaction between merchants and consumers with coupons, shopping lists, product-pricing comparisons and store locations could take place through cloud-based wallets, Peabody contended.

Early entrants in development of mobile wallets such as Square, Inc., PayPal Inc. and Google Inc. have grabbed a great deal of attention so far.

But Google actually has no aspirations to be a payment company, Frank Young, manager of Commerce Business Development at Google Inc., told seminar attendees.

“We want to leverage the power of mobile technology to drive consumers to merchant sites with relevant offers,” Young said. “We are not in it for the interchange, but more interested in driving more business to our advertisers.”

In effect, that summarizes where mobile wallet developers are likely to steer their ships.

While the cloud-based Google Wallet obviously will need a payment function, the overall concept behind the service is to “breathe life” into the shopping experience by enhancing marketing capabilities and other services for merchants and consumers, Young noted.

Uncertainty still surrounds questions such as how consumers may benefit from a cloud-based service versus using Near Field Communication capability on their payment cards or mobile devices, Peabody noted.

When payment credentials are stored in the cloud it allows the consumer to complete a transaction in the most seamless way possible, Young suggested. “Our research at Google concluded that 97% of consumers who start an online transaction don’t finish it,” Young said. “By having the transaction going through the cloud, we are striving toward minimal clicks by the consumer.”

For issuers, payments networks and merchants, a cloud-based wallet provides the opportunity to create a network that removes the “hot spots” where payment card credentials are stored, Young suggested.

“Card credentials don’t need to be stored [in places outside of the bank],” he added. “Soon, with tokenization or reference numbers in the cloud, those card credentials would never have to leave the bank.”

  

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Smart Phone Credit Card Terminals

Smart Phone Credit Card Terminals – Smart Phone Credit Card Processing

smart phone credit card processing

 

Now you can transform your IPhone or Smart Phone into a mobile credit card processing terminal – and begin accepting credit card payments wherever you or your employees may go.

And our safe and convenient solution employs a merchant account that allows you to save on your credit card processing fees.

Get paid quickly and securely, anywhere!

Click here to apply now

  1. Easy to Set Up: Start accepting credit cards right away. Set-up takes only 3 simple steps.
  2. Keyed & Swiped Solutions: You can key transactions right into your phone or add a credit card swiper & take advantage of lower rates.
  3. Secure and Safe: The system is both PA-DSS and PCI compliant. All of your customer’s credit card information is securely encrypted and uses SSL network protection.
  4. Real-Time Processing: The mobile, real-time processing solution allows you to take credit cards anytime, anywhere – in a safe and secure environment.
  5. Risk Free: You pay no set up fees for your Smart and IPhone merchant account. More importantly, you don’t have to sign a long term contract, so you are free to cancel whenever you want.
  6. Master Account: If you have multiple phones that need to process credit cards, you can link them all into one account to create an enterprise level solution. Works great for taxi cab companies, food establishments and other delivery-type businesses with multiple vehicles.

No matter what your work entails, whether it be a home delivery service, home contractor business, weekend craft shows or even school fundraisers, you can quickly and securely accept your customers’ credit cards and issue them receipts to their mobile phones or by email.

Mobile credit card processing for iPhones and Smart Phones – the ideal cost effective solution for the merchant on the go!

 

 


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Senate Takes Up Mobile Payments Consumer Protections

WASHINGTON–The nation’s capital is starting to pay attention to mobile payments. Whether that sharpening focus will help or hurt the industry’s growth, however, remains an Mobile Payments Consumer Protectionsopen question.

PaymentsSource | Friday, March 30, 2012

By Kevin Wack

WASHINGTON–The nation’s capital is starting to pay attention to mobile payments. Whether that sharpening focus will help or hurt the industry’s growth, however, remains an open question.

The Senate Banking Committee held its first hearing March 29 on the issue, focusing on the ways that mobile-payment systems are upending existing regulatory schemes. It followed the first-ever congressional hearing on the issue last week in the House (see story).

“If the payment is made through a bank, then the existing set of banking and consumer protection laws apply,” Banking Committee Chairman Tim Johnson said. “However, payments made through a text message via a mobile network provider don’t fall under banking laws.”

A similar point was made by Kenneth Montgomery, chief operating officer of the Federal Reserve Bank of Boston, which has been convening an industry working group on mobile payments for more than two years.

Industry participants would like various regulators, from the Consumer Financial Protection Bureau to the Federal Trade Commission to the Federal Communications Commission, to work collaboratively to define the regulatory environment for mobile payments, he said.

“Clarity of regulatory responsibilities among bank and nonbank regulators needs to be established early on, with input from the mobile stakeholders,” Montgomery said in written testimony. “While current regulations and rules may cover underlying payment methods, there is confusion because multiple regulatory agencies have responsibility for different aspects of payments and wireless transactions.”

During the hearing, Montgomery said that there are well-defined regulations for mobile payments when credit cards and debit cards back them. But other forms of mobile payments, including those backed by prepaid cards, or linked to the customer’s wireless phone bill, fall into a murkier realm.

“They’re the areas where we need some further collaboration between the regulators,” he said.

No one from the Consumer Financial Protection Bureau, Federal Trade Commission or Federal Communications Commission testified at the hearing. And while there was broad agreement that Washington needs to be watching the mobile payments market closely, there were few concrete ideas about what specific actions the regulators should be taking.

One exception was in the area of data privacy, where Montgomery testified that consumers should be allowed to instruct firms not to share their customer information.

“Consumers need to have the option to opt out from information that is being collected about them,” he said. “Likewise, as they’re using particular services provided by mobile phone and mobile payments, they should be very much informed about what that data is that is being collected.”

Sandra Braunstein, director of the Fed’s consumer and community affairs division, testified about the results of a consumer survey on mobile payments that the Fed conducted late last year.

The survey of 2,300 respondents found that one in eight individuals had made a mobile payment in the previous year, usually by making an online bill payment with their mobile phones.

It also found that consumers who use mobile payments are more likely than the rest of the population to be underbanked.

“So it seems that the underbanked are not necessarily underphoned,” Braunstein commented.

She also offered an optimistic view of how mobile phones might make shoppers more prudent with their finances.

According to the Fed’s survey, more than two-thirds of mobile-banking customers reported checking their account balance or available credit before making large purchases, and they often held off on buying the item as a result of what they found.

Braunstein said consumers are also beginning to use their mobile phones to scan bar codes in bricks-and-mortar stores, allowing them to price-shop.

“So it’s one of those teachable moments, frankly, in financial education,” she said.

Democratic Sen. Mark Warner, who was an early leader in the cellular-phone business before entering politics, predicted that U.S. mobile payments will explode in the coming years.

Warner argued that Congress used a blunt instrument when it established caps on debit-interchange fees at a time when banks already were earning huge revenue from those fees.

He urged regulators to be more forward thinking with regard to the fees that he predicted will emerge in the mobile-payments sphere.

“You could end up having a marketplace set a whole bunch of fees that could be hidden, baked into your telecom bill, or baked into your provider bill,” Warner said.

Warner’s comments sparked an exchange with Republican Sen. Richard Shelby, who warned that heavy-handed government regulation could strangle the growth in mobile payments.

“Innovation will grow it. But we also could choke it to death by regulation and pricing and price fixing, like we did on the interchange fee,” Shelby said.