Credit-Card Processing from an iPhone


Many ecommerce merchants take a mobile device, like an iPhone or a Blackberry. An increasing amount of third-party software applications run on those devices. A number of these applications can benefit ecommerce merchants and one example is"Credit Card Terminal," an iPhone app which enables merchants to process credit card transactions remotely.

Credit Card Terminal is created by Innerfence, an iPhone applications developer, and we recently spoke with Innerfence's co-founder, Derek Del Conte.

PeC: Why should ecommerce merchants be interested in a mobile credit card terminal?

See our products:

Del Conte: Many ecommerce merchants sell directly to their clients through fairs, exhibitions, and performing onsite services. That is exactly what our Credit Card Terminal goods are created for. If you already have an Authorize.net account, all you will need to do is download the iPhone app and you are ready to process mobile transactions.

The iPhone is a excellent device to accept payments as you are carrying it with you all the time and because it does not require any extra hardware; it gives you a great deal of flexibility about how and where you could accept payments. By way of instance, we have many merchants in the handmade crafts and apparel sector. They have their ecommerce websites setup and they sell their products there, but they also sell at a fair on the weekend and some of these things can be high ticket. The ability to take credit card payments has led to additional sales and lowered their transaction risks. We also have clients that perform onsite services. Therefore, you could take somebody like an IT professional who is going to go outside and repair a network and then charge for it, or carpenters, electricians, plumbers, they are all really great examples. Additionally, we've got people which are limousine drivers, professional photographers, home cleaning services, and the mobile transactions are just another part of the overall strategy available.

PeC: Does the iPhone consumer need to be linked to the web in order for it to work?

Del Conte: Credit Card Terminal on the iPhone works everywhere you have data connectivity. That includes AT&T's advantage and 3G cell networks. You can also use Credit Card Terminal on Internet wi-fi stops, but that is strictly optional.

PeC: How much does Credit Card Terminal cost?

Del Conte: In the iPhone app shop it costs $49.99, and that is a one-time payment for the program. To use it, you want an Authorize.net account. There's no extra hardware to lease and there are no extra monthly charges for having the ability to accept mobile payments.

The iPhone app shop is available via iTunes. If you have iTunes on your computer, you can click on app shop. You only have to look for Credit Card Terminal and it'll appear there as an accessible application.

PeC: What are the processing fees?

Del Conte: If you sign up for an Authorize.net along with a merchant account through us, it comes out in another manner. It is $49.99 upfront for the app, and then on the merchant account side, it is $25 per month, $0.19 to $0.24 per transaction, and then the professional discount rate is 2.09percent and non-qualified discount rate is 3.79%. We've eliminated application sign-ups, minimal processing and termination fees.

If you already have an Authorize.net account, you can simply download Credit Card Terminal and begin. It is especially convenient for ecommerce merchants if they are already using Authorize.net. We have tried to give very affordable rates that are very similar to what present ecommerce merchant accounts will frequently charge.

See also:

free-try-pwa-consumer-app-and-customer-screen/

connectpos-partner-cardknoxpayment/

/connectpos-supports-offline-mode/

/progressive-web-app-native-app/

/the-easiest-ways-to-get-more-repeat-customers/

/marketing-ideas-to-raise-sales-besides-mass-discounts/

boost-holiday-sales-with-holiday-gift-cards/

PeC: Anything else on your mind for ecommerce merchants today?

Del Conte: We are often asked about two other topics related to Credit Card Terminal: Receipts and coverage. To create a receipt, a merchant collects the client's email address when doing the transaction. So, it's the same as an ecommerce transaction. The client will receive an email receipt as the record of the transaction.

On the reporting side, both your mobile and your ecommerce transactions appear in the Authorize.net reporting interface. You have one convenient place to look at all your transactions. Thus, if you do things like export to QuickBooks, it is available and aggregated between both your ecommerce website and your mobile processing side.

1 other thing which we recently announced is a complete mobile point of sale solution. We partnered with another iPhone app called Ring it Up Point of Sale by PingySoft. If you have both apps installed, you can keep an eye on your sales and then tap"accept credit payment" and process your card, and apply it to a sale ticket. Ring it Up Point of Sale can be sold in the app shop.

CAN-SPAM: Quick Refresher

The CAN-SPAM Act of 2003 (Controlling the Assault of Non-Solicited Pornography And Marketing) establishes requirements for those who send commercial email. It spells out penalties for spammers and companies who violate the Act while advertising goods in spam, and gives consumers the right to ask emailers to stop spamming them. The Federal Trade Commission is authorized to apply the CAN-SPAM Act, which also provides the Department of Justice the authority to apply criminal sanctions.

There are four major points to law.

  1. Ban false or misleading header information. Header information is the email's"From,""To," and routing information. Also included is the originating domain name and email address, which has to be accurate and identify the person who initiated the email. To put it differently, you can not mask yourself.
  2. Commercial email must be identified as an advertisement and include the sender's valid physical postal address. The email must contain clear and conspicuous notice that the message is an advertisement or solicitation, and that the recipient can opt out of receiving more commercial email from you.
  3. The Act prohibits deceptive subject lines. The subject line can't mislead the recipient about the contents or subject matter of this message.
  4. Demands that advertising emails provide recipients an opt-out technique. You have to offer a return email address or a different Internet-based response mechanism which allows a recipient to ask you not to send future email messages into that email address, and you must honor the requests.

Each violation of the above provisions is subject to penalties of up to $11,000. Deceptive commercial email also is subject to laws banning false or misleading advertising. If you are a company owner and you send email to potential clients or present clients, follow the four chief points above and you'll be fine.

Sources:

Comments