MPOs

mPOS, or mobile point of sale, refers to a payment acceptance system that turns a smartphone or tablet into a checkout terminal. A merchant runs software on the device and pairs a card reader or NFC reader to accept card payments, as well as often managing inventory, receipts, and transactions. Unlike traditional fixed terminals, mPOS is portable and commonly used by mobile vendors, field service workers, and small businesses.

Most mPOS systems require a software application and a hardware reader. Card data is read by a magstripe, EMV chip, or contactless tap, transmitted securely to a payment processor, and returned as an approved or declined transaction. Connectivity may be via Bluetooth to a reader, or through the device’s internet connection (Wi-Fi or cellular). In addition to card payments, many apps accept mobile wallets (such as Apple Pay and Google Pay) and may support tips, refunds, digital receipts, and inventory integration.

Security is a central concern: modern mPOS solutions use encryption, tokenization, and PCI DSS-compliant processors; readers often employ end-to-end encryption and do not expose raw card data. EMV compliance reduces fraud risk. Merchants may need to complete a PCI SAQ depending on deployment, though many providers handle much of the compliance as part of their service.

Costs vary widely and may include per-transaction processing fees, monthly service fees, or bundled pricing; some hardware is sold upfront. Some systems offer offline mode for periods without connectivity, with data syncing when reconnected. Applications include retail pop-ups, restaurants, home services, and events, supported by cloud dashboards, inventory tools, and real-time reporting.