MOBILE POINT OF SALE
Modern mobile solutions for your business
Accept payments on handheld terminals or your own devices.
A Merchant Services Business Consultant
will contact you within 24 hours.
Customize your point of sale
Have a smartphone or tablet? We can work with you to set up your devices to authorize sales. And our wireless, handheld terminals allow you to offer the secure and flexible payment options your customers expect, backed by M&T’s proven fraud protection and data security.
Modern features, personalized service
Accept card payments anywhere, on your own device with SwipeSimple®. SwipeSimple includes an EMV® card reader that connects via Bluetooth, allowing you to accept payments on most iOS® and Android™ smartphones or tablets. Our small, plug-in readers enable your device to function as a fully encrypted mobile credit card terminal. Our experts will work with you to understand the right options for your business and help make sure your data and your bottom line are protected.
- Cash, credit card and digital wallet processing
- Transaction details – amount, signature, items/SKU detail
- Ability to send receipts via text and/or email
- Virtual Terminal – accept and track keyed card payments on any device
- Cloud-based inventory – allowing for bulk uploads across devices
- Offline mode – process transactions without wireless or cellular service
- Merchant dashboard with high-level user analytics with ability to track tips and payouts
Credit Card Terminals
We offer a range of countertop, wireless and compact payment solutions from leading vendors. Learn more about M&T Credit Card Terminals.
Top questions, answered by our experts
Do card readers need internet?
A card reader does not need an internet connection to capture a customer’s credit card payment information. But an internet connection is required to then pass that payment information on to the credit card networks for processing.
Your business’s point-of-sale (POS) system is multifaceted. When you accept a card payment—whether it’s a chip, swipe or contactless transaction—your card reader does the job of capturing that payment data. In the case of a mobile POS, that data can then be transferred via internet or Bluetooth to a POS app. The next step of getting that data from the app to the payment processor does require an internet connection.
Usually at the end of each business day, a merchant sends a batch of authorized credit card transactions to their payment processor. The processor then collects the money from the credit card issuer. And finally, the funds are deposited into the business’s merchant account.
What does EMV stand for?
EMV is an abbreviation for Europay, Mastercard, and Visa, which are the three companies behind chip technology standards. The term refers to credit, debit, and prepaid cards that that contain chip technology to process payments. This technology is a major security upgrade from the magnetic stripe card. Based on the EMV Compliance Law, all businesses need to upgrade their POS systems to accommodate EMV chip cards.
Unlike magnetic strip cards, chip technology is more difficult to replicate. EMV can significantly reduce card payment fraud. Each chip contains secure keys that generate dynamic coded data with each transaction reducing the ability to seize data to create counterfeit cards.
Partner with M&T Bank
Hear from a Merchant Services Business Consultant directly or book an appointment with your nearest branch in person, on the phone or by video.
We will contact you within 24 hours.