How to accept POS payments without a credit card terminal

Nitin -

Want to accept card payments but don't want the hassle of bringing a credit card terminal around? Guess what — you can now accept credit card payments on your phone!

In today's digital era, mobile point of sale (mPOS) technology has emerged as a crucial tool for businesses to keep up with the increasing demand for flexible, secure, and convenient payment solutions.

mPOS systems allow merchants to accept payments anytime, anywhere, without the need for traditional credit card terminals. In this article, we will discuss the importance of mPOS systems in modern business settings and introduce such as HitPay's mobile app, designed to simplify the payment process for SMEs.

The HitPay mobile app has free tools for in-person, contactless payments, providing a seamless and secure alternative to traditional credit card terminals.

The first tool, Tap To Pay, allows your mobile device to work as a credit card terminal. By tapping the customer's card to the back of your phone, you can accept credit card payments with ease. This feature supports cards such as Visa and Mastercard, as well as NFC wallet payments like Apple Pay and Google Pay. The HitPay app ensures that Tap To Pay transactions are completely secure, making it an ideal solution for merchants seeking a seamless credit card terminal experience without additional costs or hardware.

On the other hand, Scan To Pay enables merchants to accept payments by asking customers to scan a QR code generated on the merchant's phone. This tool supports a wide range of payment methods, including credit cards, NFC wallet payments, bank transfers, BNPL installments, and e-wallets. Scan To Pay is best suited for merchants who want to offer a comprehensive suite of payment methods for in-person sales.

Here's how they work:

HitPay Mobile App: Tap To Pay

HitPay Tap To Pay lets your mobile device work as a credit card terminal.  
Accept credit card payments by simply tapping your customer's card to the back of your phone. Completely secure through the HitPay app.

Best suited for: Merchants who want a seamless credit card terminal experience, without any setup costs or physical hardware.

Cost: Tap To Pay is free on the HitPay app. Pay per transaction based on your payment method. See pricing here.

Payment methods: HitPay Tap To Pay supports credit cards including Visa and Mastercard, and NFC wallet payments like Apple Pay and Google Pay

Compatible devices: See which devices Tap To Pay works with

Set up Tap To Pay with this easy step-by-step guide.

Scan To Pay

Accept in-person payments by asking your customer to scan the QR code generated on your phone.

Best suited for: Merchants who want to offer a full suite of payment methods for in-person sales.

Cost: Scan To Pay is free on the HitPay app. Pay per transaction based on your payment method. See pricing here.

Payment methods: HitPay Scan To Pay supports the full range of HitPay payment methods — credit cards, NFC wallet payments (Apple Pay, Google Pay), bank transfers, BNPL installments, and e-wallets

Compatible devices: Works with all Android and iOS devices

Set up Scan To Pay with this easy step-by-step guide.

Accept POS payments without a credit card terminal

When comparing Tap To Pay and Scan To Pay, both options offer unique advantages depending on your business needs. While Tap To Pay focuses on a seamless credit card terminal experience, Scan To Pay provides more versatility in terms of accepted payment methods. Regardless of the chosen tool, HitPay's mobile app offers several advantages over traditional credit card terminals.

Firstly, there are no setup costs or physical hardware requirements, making it a cost-effective solution for merchants. Secondly, the app works with all Android and iOS devices, ensuring compatibility across various smartphones and tablets. Lastly, HitPay's mobile app makes it easy and convenient for merchants to sell through their phones, eliminating the need to purchase and carry around additional hardware.

HitPay Tap To Pay and Scan To Pay are great mPOS technology alternatives to credit card terminals. No need to purchase and carry around additional hardware — just sell easily through your phone.

Setting Up HitPay for Your Business

Getting started with HitPay's mobile app is a straightforward process. To set up Tap To Pay and Scan To Pay, simply download the HitPay app, sign up for an account, and follow the step-by-step guide provided within the app. Once your account is set up, you can start accepting in-person payments with ease.

To optimize the use of HitPay's mobile app for in-person sales, consider offering both Tap To Pay and Scan To Pay options to cater to a wider range of customer preferences. Additionally, ensure that your device is compatible with the app and has a stable internet connection for smooth transactions.

While both Tap To Pay and Scan To Pay are free to use on HitPay's mobile app, transaction fees vary based on the chosen payment method.

Set up your POS system for free on HitPay iOS or Android 📲

About HitPay
HitPay's mobile app offers a modern and efficient solution for businesses seeking to embrace mPOS technology. Thousands of merchants have grown with HitPay's products, helping them receive in-person and online contactless payments with ease. Join our growing merchant community today!