The document compares various mobile payment processing solutions for small businesses, highlighting PayPal Here as the top choice due to its ease of use, quick setup, and competitive rates. Other options discussed include Square, Intuit GoPayment, and PayAnywhere, each with specific features, pricing structures, and device compatibility. Overall, while all providers have their pros and cons, PayPal Here stands out for its low costs and extensive feature set despite some drawbacks related to fund holding procedures.

2. Being able to process credit card
payments away from your office
or store is an important part of
being competitive for small
business.
Once a complicated and expensive
procedure, it’s now easy and affordable to
turn your smartphone into a portable cash
register.

3. Our Top Choice for Mobile
Payment Processing for
Small Business Owners

4. PayPal Here Square Intuit GoPayment PayAnywhere
Ease of
Use
Easiest Very Easy Moderate Fairly Easy
Monthly
Fee
None None
2 Plans: Plan 1: no
monthly rate; Plan
2: $12.95 monthly
rate.
None
Swipe
Rate
2.7% for US
cards
Keyed rate/scan
3.5% + $0.15
Non US cards is
3.7%
Swipe rate
2.75%
Keyed rate
3.75% + $0.15
Plan 1: Pay as
you go $0/month
Swipe rate
2.75%
Keyed rate 3.75%
Plan 2: $12.95/
month plan (up to
50 users per
account)
Swipe rate 1.75%
Keyed rate 2.75%
Swipe rates
2.69%
Keyed rates
3.49% + $0.19

5. PayPal Here Square Intuit GoPayment PayAnywhere
Free App
and Card
Reader?
Yes Yes Yes Yes
Number
of Users
Per
Account
Up to 1,000
users/account.
Up to 10
users/account.
!
Both plans up
to 50 users/
account.
Unlimited
Users
Merchant
account
required
No. You create a
business
account when
you download
the app
No Yes Yes

6. PayPal Here Square Intuit GoPayment PayAnywhere
Reliability/
Glitichines
s!
(all have
complaint
s about
glitchiness
that are
corrected)
Transactions
can be held
Accounts can
be frozen for
up to 30 days
or longer
Holds on
significant
funds can
take place
and be hard
to remedy as
there is no live
customer
support
Holds can be
placed on
money
Large
transactions
can be held for
up to 30 days
!
Online
reviews show
glitches with
checkouts on
sites like
eBay

7. PayPal Here Square Intuit GoPayment PayAnywhere
Phone &
Device
Compatibility
Compatible with:
!Apple devices
running iOS 3GS
or higher (iPads
with iOS 5 or
later)
most Android
smartphones
!Incompatible
with:
!Android tablets
!Full Device
Compatibility
List
Compatible with:
Apple iOS 6.0
and up
Android Devices
2.3 and up
Some printers
Some cash
registers
Incompatible
with:
!- Android 10
inch tablets
!Full Device
Compatibility List
Compatible with:
!
Apple devices
running iOS 6 or
higher,
most Android
devices.
!
Full Device
Compatibility List
!
Compatible
with:
!
Iphone 4 and
Ipad 2 and
higher running
iOS 5.1 or
higher.
Some Android
Devices
!
Full Device
Compatibility
List

8. PayPal Here Square Intuit GoPayment PayAnywhere
Payment
Options
!
Visa,
MasterCard,
American
Express,
Discover, PayPal
payments and
debit cards
Accepts email
invoices
Accept checks
for electronic
deposit (US
only)
Records cash
transactions.
Visa,
MasterCard,
American
Express,
Discover, Square
and debit cards
Allows cash
transactions to
be recorded
Allows gift
certificates to be
recorded.
Works with all
major credit and
debit cards
Allows users to
record cash
payments.
Visa,
MasterCard,
American
Express,
Discover,
PayPal credit
cards, Amex
Allows users to
record cash
payments.

9. PayPal Here Square Intuit GoPayment PayAnywhere
Ease/
Speed of
set up and
processing
Easiest & Fast
Free card reader
sent in 5-7
business days.
Easy & Fast
Free card reader
delivered within
5-10 business
days.
Easy & Fast
Free card reader
is delivered
within 5-10
business days.
Easy & Fast
Free card
reader is
delivered within
a few business
days.
Speed of
access to
money
Instant if you
have a PayPal
merchant debit
card MasterCard
Funds are
transferred to a
linked bank
account within
3-5 business
days.
Next day (1-2)
business days
into a linked
bank account
*any funds via
transactions
deemed
suspicious can
be held for a
significant
amount of time
(months).
2-4 business
days
Only funds
suspected of
fraud are held.
1 business
day.

10. PayPal Here Square Intuit GoPayment PayAnywhere
Integration
NCR Silver,
Excel,
QuickBooks.
QuickBooks;
Xero; Square
Connect API:
Customized
software
solutions.
QuickBooks
AirPrint Cloud
Printer, Star
printer,
information can
be downloaded
into
QuickBooks,
cash registers
Support
Options
Live phone
support
Email support
Knowledge
Base.
No phone
support
Email support
Twitter support
Support Center
open 24/7 365
year
Knowledge base.
Live phone
support
Email support
Video Tutorials
with detailed
instructions
Knowledge
Base.
Live phone
support
(English, Spanish
& Chinese)
!Chat support,
customer
service/tech
!Twitter support
!
Knowledge Base

11. PayPal Here Square
Intuit
GoPayment
PayAnywhere
Security
High
Encrypted card
reader
Fraud protection
PIN protected
24 hour
monitoring
High
Encrypted card
reader
Fraud protection
Dedicated staff
who monitor
transactions.
High
Encrypted card
reader
PIN protected
Dedicated staff
for monitoring.
High
Encrypted card
reader
Fraud protection
PIN protected
and PIN timeout
Extra
features to
note
- Create and
send electronic
invoices.
- offer discounts
- Views sales
history.
- Print cash
receipts.
-Tips
-Tipping option.
-Online receipts.
-Customer
loyalty program.
-Add inventory
shelf.
- GeoLocation
sales tax
- Customized
branded
receipts with
logos
- pay employees
- calculate and
payroll taxes.
-Heat map traces
sales locations
-Allows cash,
discounts, tips
-Prints receipts
-Calculates
GeoTax based on
location
-Inventory set up
-Reporting
Learn More Learn More Learn More Learn More

12. for Small Business Owners
WhyWe Chose
PayPal Here

13. PayPal Here was our top
choice among mobile credit
card processors.
Set up is fast and free, it’s easy
to use, and is compatible with the
largest number of devices. With
Papal here you get access to
your money within minutes.
PayPal here is one of the
lowest cost providers,
pricing is straightforward and your
can enhance customer service by
offering multiple payment options.

14. Does PayPal Here
have drawbacks?
Holding procedures can block
access to funds and it isn’t
compatible with Android tablets.
Overall, however, with a Better
Business Bureau rating of A+, we
feel that PayPal Here is the top mobile
credit card processing provider for small business.

15. VS
In-Depth
Review

16. Ease of Use

17. It takes just a few minutes
to get up and running with
PayPal Here from many kinds
of Apple and Android devices and you can start
processing payments easily.
It’s free to set up and does not require a merchant
account
PayPal Here:

18. Is that if you get stuck during set-up or when you’re processing,
you can access live phone support, unlike with Square.
The Big Plus

19. Square:Getting set up and taking mobile payments takes just a few minutes with
Square and doesn’t require the hassle of setting up a merchant account.
Without an abundance of features to figure out, this is a fast and simple
solution for many businesses.

20. is that if you do run into a problem, you’ll have to figure it out
for yourself. There is no live customer support by phone though
there is email support.
One major con

21. Here, set up requires a little more time and thought, as you need to
set up a merchant account and decide on one of two plans.
Taking the time to grasp the payment structure, and what it means to
your business if you’re dealing with rewards based credit cards and
American Express, will require some number crunching.
Intuit GoPayment:

22. Though this platform requires a merchant account, once you have set
up your merchant account it is also easy to set up and use within
minutes. Additional features can take some time to learn, but live
phone support helps with that process.
PayAnywhere:

23. Pricing

24. Free set up, app and card reader with fairly standard pricing of
swiped US cards at 2.7%, keyed rate/scan 3.5% + $0.15 and a
swipe rate of 3.7% for non US cards.
Check the User Agreement for exceptional and fine details.
PayPal Here:

25. Free set up, app and card reader. The swipe rate is 2.75% and the
keyed rate 3.75% + $0.15, no matter what kind of card you use.
!
Square no longer offers the flat rate monthly fee of $275. It was
dropped in late 2013. Here’s the Square User Agreement.
Square:

26. Pricing for Intuit GoPayment requires some
special thought. There’s the free app and
card reader version, which results in a swipe
rate of 2.75% and a keyed rate of 3.75%.
The other option is the monthly $12.95
version, with a swipe rate of 1.75% and
a keyed rate of 2.75%. If you’re doing
more than approximately $1,500 USD/
month the paid version may be a better
option.
!
Here is Intuit GoPayment’s User
Agreement.
Intuit GoPayment:

27. The least expensive option for those doing $2,000/month or less, this
platform also offers a free set up, app and card reader. Swipe rates
are 2.69%, a half percent below PayPal Here, with the keyed rate at
3.49% (also a half percent below PayPal Here) + $0.19 ($0.40
higher than PayPal Here).
!
Here’s PayAnywhere’s user agreement.
PayAnywhere:

28. Phone
Compatibility

29. Has the widest range of iOS and Android compatibility of the four
options. Compatible with Apple devices running iOS 3GS or higher,
iPads running iOS 5 or later and most Android smartphones. PayPal
Here does not support Android tablets. Be sure you’re your device is
a match by checking the compatibility list.
PayPal Here:

30. As the first card reader provider, Square works with a number of
earlier Android versions of devices than PayPal Here and is
compatible with Apple devices running iOS 6.0 and later as well as
Google Android devices 2.3 and up. It is not compatible with
BlackBerry or Windows or 10 inch Android tablets. See the list of
compatible devices.
Square:

31. Compatible with Apple devices running iOS 6 or higher, and most
Android devices. GoPayment is incompatible with BlackBerry and
Windows. Check the GoPayment list of compatible devices.
Intuit GoPayment:

32. Compatible with Iphone 4, Ipad 2 and higher; also iOS 5.1 or higher.
Most Android devices are not supported, however they claim to be
adding more Android devices on a regular basis. See the list of
compatible devices here.
PayAnywhere:

33. Payment OptionsMost mobile credit card processors take all of the major credit
and debit cards. However some charge more for American
Express, Discover and non-US cards.

34. Your customers can pay with Visa, MasterCard, American Express,
Discover, and of course, PayPal. You can also accept electronic
checks (US) and track cash payments. Extra charges apply to non-US
cards.
PayPal Here:

35. Square accepts most major credit and debit cards, Square payments.
and allows you to track both cash payments and gift certificates.
Square:

36. All major credit cards and debit cards are accepted.
However, higher rates apply to rewards based credit
cards, American Express and Discover.
Intuit GoPayment:

37. Accepts major cards, such as Visa, MasterCard, American Express,
Discover, PayPal credit cards.
PayAnywhere:

38. Speed of Access
to Money

39. Using a PayPal account, or the PayPal debit MasterCard, you can
access your money within minutes of deposit. To transfer to a linked
bank account takes 3-5 business days. Something that merchants
should be aware of is the practice of putting holds funds, which can
last from seven to 30 days, or up to 180 days.
PayPal Here:

40. Part of Square’s customer promise is next day deposit. It can take
between 1 and 2 business days for funds to be deposited. Square
recently removed the practice of regularly holding funds, but they can
(and do) hold transactions that are deemed suspicious.
Square:

41. Funds are available in 2-4 business days, with only suspicious
transactions being held.
Intuit GoPayment:

42. This is one of the fastest services with
deposits funds in a single business day.
Holds can be an issue and there are many
online customer reviews complaining of
large transactions being frozen for
extended periods of time.
PayAnywhere:

43. Integration

44. This works with QuickBooks,
Excel and services like NCR Silver
sales products.
PayPal Here:
Integrations include QuickBooks, Xero and
some customized solutions.
Square:
Integrated with QuickBooks and Intuit Point of
Sales products.
Intuit GoPayment:
Works with several cloud printers and QuickBook.
Square:

45. Security
PayPay Here is well protected with
encryption of information, fraud
protection, PINs and 24 hour
monitoring.
PayPal Here:
Dedicated staff monitor activity. Information is encrypted
card reader and you are PIN protected.
Intuit GoPayment:
This platform offers an encrypted card reader, fraud protection and is
PIN protected with a timeout.
PayAnywhere:

46. Extra
Features

47. PayPal Here has a lot of extra features. You can create and send
electronic invoices, offer discounts, view sales histories, add tips, add
inventory, use barcode scanning, process 26 currencies from 193
countries and, something we love, collect information from
customers/donors and send them a thank you page.
PayPal Here:

48. Not as rich as PayPal Here, Square does offer some important extras.
These include a tipping option, creating online receipts, setting up
customer loyalty programs and adding inventory shelves.
Square:

49. Intuit is all about the accounting and offer features to help you get it
done. With GoPayment, you can add GeoLocation sales tax and look
more professional with branded receipts.
Intuit GoPayment:

50. Extra goodies from
PayAnywhere include heat
maps that help you identify hot
sales locations, printable
receipts, GeoTax calculation
based on where you are,
inventory set up and reporting.
PayAnywhere:

51. The Bottom Line
Small businesses looking to cash in on mobile credit
card processing can do so quickly, affordably and
securely with PayPal Here. It’s an excellent system. It
not only helps you sell wherever you and your
customers are, but also has extra features that
support your sales, marketing and accounting
processes.

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