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Bank of America Mobile Point of Sale vs MobilePayments

Both stand on mobile payment processing software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Bank of America Mobile Point of Sale

Paid AndroidiPhoneWeb

Choose Bank of America Mobile Point of Sale if you need mobile payment processing and sales reporting and already meet its Bank of America account requirements. Check the per-sale rates and unsupported transaction types against your payment needs before choosing it.

Visit Bank of America Mobile Point of Sale

MobilePayments

Free plan iPhoneWeb

Choose MobilePayments if you want business POS features alongside in-person and remote payment options, including Tap to Pay on iPhone. Look elsewhere if you need support outside the listed weekday hours or want to avoid transaction fees and separate reader costs.

Visit MobilePayments

The facts

Bank of America Mobile Point of SaleMobilePayments
Free planNot publishedYes
Open sourceNot publishedNot published
Runs onAndroid, iPhone, WebiPhone, Web
Lowest paid planIn-person swipe, dip and tap payments: $0.10In-person card payments: $1.39
Plans published55
MakerNot publishedNot published
Websitebusiness.bankofamerica.commobilepayments.co.uk
On mobile payment processing software#16 of 26#4 of 26

Bank of America Mobile Point of Sale: what it does well

  • Accepts swipe, dip, tap, and phone payments.
  • Receipts can be sent by email or text.
  • Supports recurring and offline payments.
  • Includes 24/7 U.S.-based Merchant Services technical support.
  • No long-term contracts or early termination fees are stated.

What to know first

  • Requires a Merchant Services account and business checking account.
  • Business Advantage 360 enrollment is required for Merchant Services.
  • PIN Debit, EBT, and gift card transactions are unsupported.
  • D135 requires a compatible merchant-supplied iOS or Android device.

MobilePayments: what it does well

  • POS tools cover products, discounts, tables, bookings and team permissions.
  • Payment Links can be shared through messaging apps, social media and email.
  • Tap to Pay works on compatible iPhones without extra payment hardware.
  • Reports include live sales, VAT, fees and tips.
  • Reader security includes encryption and EMV certification.

What to know first

  • Applications require identity verification and eligibility checks.
  • Support is listed Monday to Friday, 8am–6pm.
  • Card readers have separate one-time prices; transaction fees apply.

Alternatives to Bank of America Mobile Point of Sale Alternatives to MobilePayments The whole list