Accept Credit Cards by Phone – PayPal Here vs Square

Accept Credit Cards by Phone – PayPal Here vs Square

Though many small businesses are now using apps to accept credit card payments on their phone. Many also are not utilizing the convenience of accepting credit cards on your smart Phone – PayPal Here vs Square. The best info we’ve experienced of the most popular smartphone card reader systems, PayPal and Square. I will say that for myself I’ve only used PayPal and have been very happy with it. I can swipe a card or enter it manually on my phone. Most of the time I’ve entered manually when a client would provide their CC #, exp, secret code and billing zip. Pretty straight forward and the money straight to my PayPal account which they also supply debit card with so when the money’s in, it’s immediately available on the card.

Stacy Sossner of who uses both Square and PayPal has found overall, PayPal to be the better option and here is why:

Money is in your bank account by next business day, meaning transactions on Friday or Saturday, are not in your bank account and available til the following Monday, except holidays when available after the holiday and/or weekend.

PayPal Here:
Money available immediately on your PayPal debit card included with card reader dongle.

Customer service is available via email and more recently by phone.
855-700-6000, Monday through Friday 6am to 6pm Pacific Time.

PayPal Here:
Customer service available by phone 1-402-935-2050 or email. Though my experience has been that by phone is the best approach. I personally am a  big fan of doing customer service or tech support via online chat. PayPal does not have that however. They do have a “Virtual chat” which I have to say is really not very helpful. Their customer service hours are:
4:00 AM PST to 10:00 PM Pacific Time Monday through Friday
6:00 AM PST to 8:00 PM Pacific Time Saturday and Sunday

When swiping a card, often has to be done a few times before it takes. or you end up entering it manually for a slightly high transaction fee.

PayPal Here:
Swiping the card is fast and easy for quick transaction completion.

Though we find PayPal a better solution, many may prefer the option of the money going straight to their checking account and customer service not needed enough for emailing to be an issue.

Because these items were important to us, felt it good to share since many have yet to utilize either of these two great systems that allow you to process credit cards on your phone.

Of course in addition to using PayPal for accepting credit cards on your phone, you can also implement payment for products, services and events on your website and phone as well.

There are other companies like Intuit offering a similar service though reviews read on those looked less satisfactory than PayPal or Square.

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