Simple, speedy and secure.
Once approved, you can download the mobile application, obtain the access code, and start key entering card payments immediately.*
Accepting cards takes four easy steps:
  1. Launch the free Mobile Pay app
  2. Plug in the reader
  3. Swipe a card, enter the amount, and have your customer sign on the phone
  4. Send an electronic receipt to your customer via email or SMS
You will receive your funds directly into your bank account. Also, you can view your statements and manage your account via the Business TrackSM website.
*Please note that the time period to begin accepting American Express® cards may be up to two business days
Delivering value.
Combining a user-friendly mobile app, the reader provides advanced security and a durable design.
Quick start-up with free app
Download the app and get started.
Automatic payments
Available as soon as the next business day.5
Secure, reliable payment acceptance
Securely accepts transactions for all major credit and signature debit card types.
Emailed or SMS text receipts
Email or text a receipt to a customer from the app.
Free account support
24 hour response support by phone and online.
Funding alerts
Receive daily summaries by email.
Process with confidence.
Mobile Pay on Demand helps keep you and your customers safer with advanced security that includes:
Password-protected mobile app
Use a PIN that you choose
Encrypted card reader
Encrypts card data upon swipe, so it's unusable to criminals and never stored on your phone or tablet
Card security code support
Helps prevent fraudsters who have stolen credit card information from using that information to buy something from you
Address Verification Service
Confirms that the billing address provided by a cardholder matches what the card issuer has on file
SSL encryption
Sends card information securely over the Internet
Privacy Policy

1  After deposit of transactions and only when you have a Bank of America business checking account. Valid only on Visa®, MasterCard® and Discover® transactions. Exceptions may apply.

2  Card-swiped rate applies to swiped Visa®, MasterCard®, or Discover® network transactions (also sometimes referred to as card present transactions) and requires the Mobile Pay card reader. Card-swiped transactions will be listed as "Qualified" on your merchant agreement and statement.

3  Keyed rate will be charged on all manually keyed Visa®, MasterCard®, or Discover® Network transactions that have verified addresses. Keyed transaction will be listed as "Non Qualified" on your merchant application and statement.

4  American Express® rates range from 2.30% - 3.50% + $0.00 - $0.15 and will vary based a variety of factors. Please review your merchant agreement and statement which will contain the rate you will be charged.

5  After deposit of transactions and only when you have a Bank of America business checking account. Only valid on Visa®, MasterCard® and Discover® transactions. Exceptions may apply.

Merchant Services are provided by Bank of America, N.A. and its representative Banc of America Merchant Services, LLC. Banc of America Merchant Services, LLC is not a bank, does not offer bank deposits, and its services are not guaranteed or insured by the FDIC or any other governmental agency.

© 2013 Banc of America Merchant Services, LLC. All trademarks, service marks and trade names referenced in this material are the property of and licensed by their respective owners.