Accept Mobile Payments

Mobile Wallet Adoption is Accelerating

Over 60% of Americans have used a mobile wallet in the past year. Apple Pay alone processes over 10 billion transactions annually. Businesses that do not accept mobile payments are leaving revenue on the table.

Mobile wallets use tokenized credentials, which means lower chargeback rates and qualify for lower interchange categories. A Visa transaction through Apple Pay can cost 0.1% to 0.2% less in interchange than a standard card-present swipe.

NFC and Contactless Technology

Near-field communication (NFC) enables tap-to-pay at the point of sale. Customers hold their phone or smartwatch near the terminal and the payment completes in under two seconds. No PIN, no signature for transactions under $250.

If you already have an NFC-enabled terminal, accepting mobile wallets requires no additional hardware. Our partners provide terminals that support EMV chip, NFC contactless, and magstripe as a fallback.

Mobile Payments for Online Checkout

Apple Pay and Google Pay also work for online checkout. Adding a mobile wallet button to your checkout page can increase conversion rates by 5% to 12% because customers skip manual card entry.

Integration is straightforward through our partner's payment gateway. A single API handles both traditional card payments and mobile wallet transactions.

Getting Started with Mobile Payments

For in-person businesses, you need an NFC-enabled terminal. For e-commerce, you add Apple Pay and Google Pay buttons through your payment gateway. Both paths are included at no extra cost through the Payment Gods Partner Network.

Get a free quote to see how mobile payment acceptance fits your business.

Frequently Asked Questions

How much does it cost to accept Apple Pay?

There is no additional fee to accept Apple Pay. You pay the same interchange-plus processing rate as any other card transaction. Apple Pay transactions often qualify for lower interchange rates due to tokenization.

Do I need special hardware to accept mobile payments?

For in-person payments, you need an NFC-enabled terminal. Most modern terminals include NFC by default. For online payments, mobile wallets integrate through your payment gateway with no hardware needed.

Are mobile payments more secure than credit cards?

Yes. Mobile wallets use tokenization and biometric authentication (Face ID, fingerprint). The actual card number is never transmitted or stored, making fraud virtually impossible.

What percentage of customers use mobile wallets?

Over 60% of Americans have used a mobile wallet. Among consumers under 40, adoption exceeds 80%. Mobile wallet transaction volume is growing 25-30% year over year.

Can I accept mobile payments without internet?

Most mobile payment terminals require an internet connection. Some terminals support offline mode for a limited number of transactions that are batched and processed when connectivity is restored.