The difference between mobile payments & mobile acceptance



Whether buying online or in a brick-and-mortar store, today’s consumers are accustomed to using whatever payment type they prefer. In addition to cash, credit and debit cards, consumers are increasing expecting to have the option to pay using their smartphone, tablet, or smartwatch device – each a type of mobile payment.

With consumer demand for mobile payments increasing, it’s important to consider whether or not this is something you want to make available at your place of business. First, consider your customers. Are they asking to pay with the latest payments technologies? Have you lost business because you haven’t supported a particular payment type such as a smartphone or smartwatch?

Additionally, you should consider whether or not you need to be able to accept payments on a mobile device– known as mobile acceptance. Let’s explore these important trends in payments.

What we mean by ‘mobile payments’

A mobile payment happens when a consumer pays using their smartphone, tablet, or wearable device such as an Apple Watch. The consumer’s payment information is loaded onto the device, giving the consumer more control over authenticating the payment. With a mobile payment, a consumer doesn’t need to carry a physical wallet– all they need is their device containing their secure card data. The consumer makes a secure payment by tapping their device on the payment terminal and authenticating it using biometrics such as a fingerprint scan. In order to accept mobile payments, you must have the appropriate POS system and software. Mobile payment acceptance systems that are embedded or integrated into your POS software and run on the rails of existing payment methods help keep things simple for you and your customers. 

What we mean by ‘mobile acceptance’

Mobile acceptance refers to mobile or tablet based POS systems that allow merchants to service their customers away from the checkout counter. They’re convenient, affordable, scalable, and help merchants engage their customers better. They also help cut down checkout lines, allowing sales associates to “line bust” to serve customers. Many smaller merchants are jumping at the opportunity to experience the power of a mobile POS system that delivers much more than a stationary terminal.

What’s right for your business?

Implementing the payment technology that allows you to accept mobile payments, as well as accept payments on a mobile device, offers many benefits– not the least of which is helping grow your business. To find out about the new payment technologies that make sense for your business, contact your trusted payment processor.




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