Take payments from anywhere. Xipster’s Virtual Terminal lets you securely manage card details over the phone or in person — no hardware needed.
Made for Businesses That Need Flexibility
Collect installments, project fees, contract payments and B2B transactions—without the risk or burden of a physical terminal.
Enhance protection for medical offices, home services, consultants, salons or any business that takes credit card details by phone.
Contractors, HVAC, landscaping, mobile professionals — take payments anywhere you have internet access.
The Xipster Advantage
Save customer cards securely for faster future payments and smooth repeat business.
Every transaction is protected with industry-leading security so customer data is safe every time.
Automate installment payments or memberships with scheduled charges directly through the Virtual Terminal.
Monitor payment statuses, balances, and history without switching tools.
Email notifications will be sent immediately after payment so customers always have confirmation on hand.
Accept payments from any browser or device, whether you’re in the office, at home, or onsite.
Mobile payments refer to transactions made using a smartphone or tablet instead of cash or traditional credit card processing. Businesses can accept payments through mobile wallets, payment apps, or payment links sent via SMS or email.
Mobile payments work by allowing customers to pay using their mobile devices. Businesses send a secure payment link via SMS or email, or customers can scan a QR code to complete a transaction. Payments are processed instantly through digital wallets (Apple Pay, Google Pay) or credit/debit cards.
Yes, mobile payments are highly secure. They use encryption, tokenization, and multi-factor authentication (such as 3D Secure 2) to protect transactions. Additionally, mobile payment platforms comply with PCI DSS and other security standards to prevent fraud.
Mobile payments help businesses:
Get paid faster with instant transactions.
Improve cash flow by reducing late payments.
Offer a seamless and convenient payment experience for customers.
Reduce the need for physical POS systems and paperwork.
While mobile payments are fast and convenient, there are some potential disadvantages of mobile payments. Security concerns, such as fraud and hacking, can arise if businesses don’t use encrypted payment systems. Additionally, some customers may be hesitant to adopt mobile payments due to unfamiliarity or trust issues. Reliance on internet connectivity can also cause disruptions in areas with poor network coverage. However, platforms like Xipster eliminate these risks by using 3D Secure 2 (3DS2) authentication, ensuring every transaction is fully encrypted and verified, protecting both businesses and customers from fraud.
Mobile payment services refer to the different platforms and technologies that enable businesses and consumers to send and receive payments using mobile devices. These services go beyond just mobile payments and include:
Payment gateways that process transactions securely
Merchant accounts that allow businesses to accept digital payments
Fraud protection tools, such as 3D Secure authentication
Recurring billing solutions for automated payments
Two-way SMS payment systems, like Xipster, that let businesses send payment links and communicate with customers
Absolutely! Small businesses can easily accept mobile payments by using payment links, QR codes, or mobile card readers. Solutions like Xipster allow SMBs to send secure payment requests via SMS or email, ensuring fast and hassle-free transactions.
Xipster simplifies payment collection with instant pay-by-link functionality. Send secure, personalized payment links via SMS or email, allowing customers to easily pay with Credit Card, Apple Pay, or Google Pay. Transactions are quick, seamless, and mobile-optimized.
Not always. Many mobile payment solutions, such as Xipster, allow customers to pay directly through a secure payment link received via SMS or email—no app download required.
Mobile payments refer to any payment made via a mobile device, including SMS payments and payment links. Contactless payments, on the other hand, involve tapping a card or phone on a terminal using NFC (near-field communication) technology.
Yes, customers can use any internet-enabled device, such as a tablet or computer, to complete a mobile payment via a secure payment link. However, for mobile wallets like Apple Pay or Google Pay, a smartphone is required.
Mobile payments provide a fast, secure, and convenient checkout experience. Customers can pay instantly from their phones without handling cash or inserting a card, reducing wait times and enhancing satisfaction.
To start accepting mobile payments, choose a payment platform like Xipster that allows you to send payment links via SMS or email. Simply set up an account, send a secure payment request, and get paid instantly.
