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Is It Possible To Accept Card Payments With Smartphones And No Extra Hardware?

If you want to accept card payments with a mobile device, you’ll probably end up with Square or one of similar solutions (mPowa, iZettle etc.) – that’s what the search results will give you. But ask yourself, do you really need and want to set up a new account and attach a piece of hardware every time someone pays you?

Is this really the only solution?

Well, it depends.

There are alternatives, but whether you should use them or not – this mostly depends on your business type, its model and needs. It’s quite different if you want to accept payments in a single restaurant, a chain of restaurants, if you deliver goods to your customers or sell both online and offline.

But first things first, what’s Square’s alternative? The simplest solution, if you don’t want to attach anything to your phone/tablet, is to write a mobile app. Now I know this may sound scary and you probably thought only about services that already exist, but give me a chance here. Besides nobody says you will have to create the app by yourself.

The difference

You don’t have to swipe the card, but enter its data or scan it using the device’s camera. This should be as quick as swiping, but before we list the pros and cons, let’s explain how it works.

You know very well how to pay with a card online, right? You get a form, enter the card data and submit. Now we’re talking about the very same thing, but the form is not on the website, but in the mobile app. So this way you actually accept an online payment.

What about the said scanning? It’s just OCR, you can even use a library meant for such purposes (check out card.io).

So what are the main features of such solution?

Pros

Possible cons

There may also be some disadvantages of such a solution that you should be aware of.

Examples, give me examples

All above may sound both promising or discouraging – this probably depends on your needs. If you happen to be the second case, let me tell you about an example. We recently met a young startup (tagberry.in*) that created their own payment module and are implementing their solution in several restaurants. But it’s not the startup itself that we want to tell you about, but the restaurants that work like this:

You sit down by the table to find a tablet lying on top of it! What for? To order your food, of course.
You can go through the whole menu, check out the photos to learn what a dish looks like, talk to your friends. You can even check out other people’s opinions about a specific dish or share your location with your friends. And of course you can place an order and make a payment – the waiter’s only job is to bring you the meal and ask whether you like it or not. You can even play a game or surf the web while waiting for the food to arrive. How great is that?

The restaurant must obviously have an app, at least for the menu/ordering thing. So why not add a payment section as well? A customer places an order and scans the card (or scans it after the meal).

As you see, there are no good or bad solutions. It all depends on a specific case, but surely if you plan to create your very own app for your purposes, adding a payments module should be quite reasonable.

(*) – Tagberry.in already has working prototypes of their payment devices and we’re looking forward to seeing the official launch.

photo source: SXC.hu

Maciej is a PHP-freak, interested in everything that's related to new technologies and photography. He writes about being a young developer working in a company like PayLane and shares his experience in web development. As an IT technician, he loves to solve problems, especially if we are talking about debugging SQL queries or solving Rubik's Cubes He doesn't like to be bored, so his free time is full of activities such as being a professional dance photographer.

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