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I have received a lot of inquires to what the differences are between the two big players in mobile credit card processing: PAYware Mobile and ROAMpay mobile. I will first start with the similarities. They both have card readers that allow a credit card to be swiped. This is important for obtaining card present processing rates, and lowers chargeback disputes. Both applications process transactions in real time, and email customers their receipts. Emailed receipts provide an excellent resource for future marketing efforts. PAYware mobile and ROAMpay mobile are both PCI verified. They protect customers through encryption of card data, and no storage of card numbers, magnetic stripe information, or security codes on equipment.

Now lets take a look at the differences.

PAYware mobile has signature capture capabilities. ROAMpay mobile does not. Signature capture is obtained directly on the iPhones screen with a stylus pen.

ROAMpay mobile has voice to text capabilities. Users have the option to voice record notes about transactions, customers, or trends. The ROAMpay application converts the voice message into a text message instantly.


PAYware mobile only works with the iPhone 3G or 3GS. ROAMpay mobile works with many different phones: Android, Blackberry, and iPhone (just to name a few).


PAYware has a tracking capability that allows users to geographically track customers.


ROAMpay mobile allows merchants to track cash orders. Important for receipts and reporting.


ROAMpay start-up is more cost effective than PAYware mobile, through PaymentMax. PaymentMax is offering the ROAMpay mobile swiper free with new, approved accounts. PAYware mobile card reader is $139.00 at the Apple store.



Choosing the right application for your business depends on what type of phone (and service provider) you have, your reporting needs, and start-up costs. For more information visit: www.paymentmax.com