Turn your iPhone into a mobile virtual terminal for charging customers’ credit cards. Deal with declined cards on-site as services are rendered. No special hardware required, just your iPhone (or iPod Touch with the 2.0 firmware update).

We are proud to offer credit card payment services through our partner, Authorize.Net^®, a leading provider of payment gateway services since 1996. You will need to sign up for Authorize.Net to use Credit Card Terminal.

Pay once. There are no monthly or per-transaction fees to use Credit Card Terminal (though you will pay monthly and per-transaction for Authorize.Net and your merchant account). New versions are free through the App Store.

Features

• Simple, fast entry of credit card number, expiration date, transaction amount, and card code
• Tap if you want to enter more info: first name, last name, address, city, state, zip code, country
• Supports CVV2/CVC/CID and AVS — enter the Card Code or Address info to potentially qualify for a better discount rate
• Instantly charges cards using “Authorize and Capture” transactions
• Connects over your carrier’s Edge/3G network or “WiFi” wireless internet
• Securely transmits credit card numbers using SSL
• Stores your API Login ID and Transaction Key securely using Apple Keychain

Security

Credit Card Terminal transmits credit card information directly to Authorize.Net. The credit card information is not communicated to our servers. All transactions are protected with SSL encryption. Credit Card Terminal does not store credit card numbers after the transmission is complete. Your Authorize.Net API Login ID and Transaction Key are stored using the Apple Keychain, which provides encryption and application isolation. We strongly recommend that you secure your iPhone by enabling Passcode Lock and Auto-Lock to prevent fraudulent transactions.

Works Great For

Antique Shows, Art Festivals, Bands, Carnivals, Computer Guys, Concert Merchandise Sales, Conventions, DJs, Equipment Rentals, Fairs, Farmers’ Markets, Gun Shows, Gutter Cleaning, Handymen, Home Party Sales, Independent Contractors, Lawn Services, On-Site Services, Party Services, Photographers, Rare Animal Shows, Windshield Replacement

As for the moolah involved, an Inner Fence page lays out your costs. First, you’ll pay a $99.00 set-up fee. Then, a $27.90 monthly fee covers both your merchant and gateway accounts. You then pay a flat $0.35 fee for each transaction, which goes to Authorize.Net. Beyond that, the credit card company gets its percentage, which ranges between 2.19 to 3.3 percent, depending on the kind of credit card in use. This varies by whether you’re using a rewards card, a sky miles card, or so forth; the page lays out the surcharges.

After that, you need to buy the program itself. Credit Card Terminal (iTunes) costs $49.99. As you can see, going high-tech sales with your iPhone isn’t for the casual user; don’t expect the guy sitting on the corner selling roses to whip out an iPhone to accept credit card purchases. And, since Ars didn’t get to actually test out the program, there’s no guarantee that transactions won’t end with the White Apple of Doom™. Caveat venditor.

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