Wireless vs. Mobile Credit Card Readers: What’s Best For Your Business?

March 23, 2017, In: Finance

If you’re a business owner, then you know that it’s imperative for you to accept all kinds of payments from you customers. Whether it’s cash, checks, or credit cards, the more diverse your revenue streams are, the better off you will be. Plus, since most people pay with credit anyway, it’s irresponsible to ignore the impact it could have on your business. But what if you’re a mobile company that transacts with customers outside of a store? In that case, you will have to process transactions remotely. Today we’ll be comparing mobile phone credit card readers vs. wireless credit card terminals to see which will be best for your business.

Wireless Credit and Debit Machine

These devices are much like the regular credit card machines that you will see at many retail locations. They have a magnetic strip reader (or chip reader) and allow you to process your credit transactions in the same way. The biggest difference, however, is that you don’t have to hook up to anything for the machine to work.


  • Secure transactions
  • Portable
  • Easy to use


  • Liability if damaged or lost
  • Have to sync up to POS system to work

Mobile Credit Card Machine

These days, we all have pocket computers on us at all times, and the functionality of these devices is only increasing. If you have a smartphone, you could potentially have a credit card reader. The way that this works is that you download an app to your phone and then create your merchant account. Then you enter in the card information, and it processes the transaction for you. Programs such as Square also give you a magnetic strip reader, so you don’t have to spend time entering in numbers manually.

Best of all, these apps also usually allow you to create and customize a POS system so that you can create itemized receipts that will be sent to your customer’s email.


  • Works with your current smartphone
  • Fast and easy to use
  • POS-capable
  • Safe and secure


  • Relies on mobile networks
  • Drains phone’s resources (battery and data)

So which one is best for your business? For the most part, mobile readers are much more convenient. But if you don’t want to have your personal phone be used for business purposes, then a wireless reader is the way to go.


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