iPad credit card terminal: ePN vs CenPOS

This mobile POS review compares 6 features for swiping credit cards via an iPad mobile app. The features are:

 FEATURE ePN

epn mobile

 CENPOS

cenpos mobile payment app

Credit card processing- is the app compatible with many merchant services companies or is it proprietary?  universal  universal
Can the app store or use tokens in the transaction process. Tokens replace sensitive payment data. By enabling tokens for repeat customers, merchants can gain insights into customers.  no yes
Scalability: is it one app = one account, or can a merchant access data by user, by location, etc. Is it part of a suite of solutions to reduce PCI burden? centralized control & reporting  centralized control & reporting
Multi-channel: are all channels integrated with one reporting hub?  yes  yes
Fee relief: does the app have any intelligence to help merchants manage the cost of accepting payments, including swipe vs. key entered?  no  yes
Data storage: How long is data retrievable for? Searchable and exportable data helps reduce reduce audit costs, creates efficiencies, and improves business insights ? 7 year minimum

The review is based on publicly available information at the time of this writing. Technology products can change rapidly and readers are encouraged to review respective web sites for the latest information.

There are 62 Point of Sale (POS) apps listed on Infinite Peripherals App Partners. Infinite Peripherals is a leading provider of POS hardware for Apple products including the iPad.

To keep the list manageable the topics list is relatively small so merchants can see at a glance key differences. Your blog author, Christine Speedy, sells the CenPOS private cloud suite of payment processing solutions, that includes a free mobile app, compatible with all Infinite Peripherals products. Although other apps are also available from our partners, usually they don’t stack up to CenPOS after a consultation.

For more comparisons, search for this subject title: iPad credit card terminal.

For CenPOS sales, please ask for Christine Speedy.

Mobile POS and credit card swipe application reviews

There are 62 Point of Sale (POS) apps listed on Infinite Peripherals App Partners. Infinite Peripherals is a leading provider of POS hardware for Apple products including the iPad. In the coming weeks I’ll post reviews on a very specific set of features. The features are:

  • Credit card processing- is the app compatible with many merchant services companies or is it proprietary?
  • Can the app store or use tokens in the transaction process. Tokens replace sensitive payment data. By enabling tokens for repeat customers, merchants can gain insights into customers.
  • Scalability: is it one app = one account, or can a merchant access data by user, by location, etc. Is it part of a suite of solutions to reduce PCI burden?
  • Multi-channel: are all channels integrated with one reporting hub?
  • Fee relief: does the app have any intelligence to help merchants manage the cost of accepting payments, including swipe vs key entered.

To keep the list manageable the topics list is relatively small so merchants can see at a glance key differences. Your blog author, Christine Speedy, sells the CenPOS solution that’s includes a free mobile app, compatible with all Infinite Peripherals products. Although other apps are also available from our partners, usually they don’t stack up to CenPOS after a consultation.

Look for this subject title: iPad credit card terminal. Shown below is the Infinea Tab.  The Infinea Tab

 

ipad credit card terminal

Click the image above to visit the iPad peripherals manufacturer web site.

Compare wireless payment solutions for silent auctions – 2013

2013 update of 2010 blog article Compare wireless payment solutions for silent auctions.  After the Durbin Amendment fixed debit card rates, the need for pin debit wireless, especially in the non-profit world which tends to have very low fraud risk, is virtually non-existent.

wireless terminals vs mobile payment solution comparison:

  1. Wireless has a built-in receipt printer. Mobile sends receipts via email or wireless printer.
  2. Wireless can sometimes dial out where a mobile hot spot doesn’t exist. This situation is becoming more rare as venues ensure mobile internet access to compete for event hosting.
  3. Wireless terminal hardware costs range from $400 refurbished to $1000 new. Mobile swipe card readers range from free (with service) to $300, though most are in the $40-50 range. Wireless receipt printers start at $250 and up.
  4. Wireless terminal printers are built-in. Wireless WIFI Thermal Printers for mobile devices are $165 to $800, with $250+ typical.
  5. Wireless terminal networks are typically $20 hard cost per month per device, plus a wireless transaction fee.  Mobile swipe solutions may be standalone or scalable simply by purchasing more readers, with one fee regardless of the number of units.
  6. Wireless terminals support pin debit which reduces dispute period from 120 to 14 days, usually not a significant benefit for fundraising due to low fraud. Merchants don’t pay MASTERCARD & VISA ASSESSMENT FEE  dues and assessments on pin debit, currently $.001100 BASIS PTS TIMES total debit volume. Mobile pin debit is in development infancy.

wireless terminals vs mobile payment solution other:

  1. Wireless terminals require merchant account downloads. This can be tricky so terminals are not usually updated after deployed, which also rquires sending the unit out if pin debit encryption is needed. Mobile payment apps work in the cloud. Users may need to update apps from time to time, but processing is in the cloud so there is nothing related to download.
  2. Some wireless terminals can store transactions and send later, for example, after connectivity is restored. Caution: PCI Compliance may be in question as recent related data breaches have occurred in 2012-2013.
  3. Scalability. Cloud solutions provide unique scalability to temporarily add users and manage their permissions, and potentially integrate tightly with other payment sources such as online donor and event registration pages.

fd400-wireless-terminal

mobile card reader- universal for iphone, ipad, droid

mobile card reader- universal for iphone, ipad, droid