Payment terminal for your business: mobile and wireless

A mobile payment terminal is a device that lets you accept payments by card or smartphone.

Unlike a classic POS, the portable payment terminal has a built-in battery and connects via Bluetooth, 3G, 4G, or Wi-Fi.

Using a mobile payment terminal in your business offers many advantages for you and your customers.

For example:

1. Transaction security: the customer is only charged the sale amount once they enter their PIN, and data protection reduces the risk of fraud. On your end, you lower the risk of unpaid bills, such as bounced checks;

2. Reduced risk of theft or loss: keeping cash in your register exposes you to theft or loss of income — a mobile payment terminal eliminates that risk;

3. Payment convenience: you reduce checkout waiting times and save your customers time. A mobile payment terminal is also compatible with a wide range of payment cards (Visa, Mastercard) and mobile payments such as Apple Pay;

4. Easy setup: your Qonto mobile payment terminal arrives pre-configured and ready to use — just switch it on to start accepting your first payments;

5. Lower costs: unlike conventional payment terminals, mobile terminals charge a low transaction fee with no minimum billing and no maintenance costs;

6. Digitized administration: reduce your environmental impact and automate the bookkeeping of your income. By storing receipts digitally in the cloud and sending digital receipts to your customers, you can avoid purchasing a receipt printer;

7. Device design: beyond its sleek and elegant look, the Qonto payment terminal fits in your pocket. You can use it at your premises, while traveling, or during home deliveries.

To get your Qonto payment terminal, you need to be a customer or open a business account on our platform.

You'll receive your payment terminal within a few business days. While you wait for your POS, you can start accepting payments from your first customers via Tap to Pay on iPhone or Android.

With Qonto, no monthly subscription fees for terminal rental or additional charges. You pay a one-off device fee, then a commission starting from 0.7% on each payment.

Qonto's mobile payment terminal stands apart from smart POS terminals for Mobile Point of Sale, such as those offered by Zettle, SumUp, MyPos, Yavin, and Smile & Pay.

Our mobile payment terminal falls into the Smart POS category. These devices don't need to be paired with a smartphone to function — they are fully autonomous.

Directly integrated with your business account, it delivers simplified management of your bookkeeping and day-to-day operations.

To function, your mobile payment terminal requires a 3G, 4G, or Wi-Fi network connection.

Please note: our payment terminals cannot connect via Bluetooth.

It's straightforward to use — just follow these steps to process a sale:

1. Switch on your mobile payment terminal

2. Enter the total sale amount on your terminal

3. Use the reader to accept the card or contactless payment

4. Ask your customer to enter their PIN

5. Print the receipt or send it by SMS or email

It allows you to accept payments via debit and credit cards, with chip or contactless using NFC technology, as well as payments via Apple Pay, Samsung Pay, and Google Pay.

After a payment, it takes just one business day for funds to appear in your Qonto business account.

Our payment terminal also complies with the PCI PTS v6 standard — the most stringent in the industry — protecting you against fraud and certifying the integrity of the device and its software. Any hacking attempt immediately locks the reader.

To extend the lifespan of your mobile payment terminal:

1. Store the reader in a cool, dry place, ideally at 22°C;

2. Clean the outside of the device with a soft, damp cloth;

3. Never spray liquid directly onto your mobile payment terminal;

4. Avoid exposing the openings to a damp environment;

5. Do not use solvents;

6. Make sure no objects enter the reader through any opening, particularly the card slot;

7. Handle the terminal with care and avoid knocks.

Paying by card is the most widely used payment method in the Netherlands. That's why choosing the right payment terminal is crucial. To find the most suitable option for your needs, consider the following criteria.

Payment conditions

Start by identifying the payment terminals that match your way of working. If you only process transactions at a fixed location, any model may work (countertop or mobile).

If, on the other hand, you travel frequently, make deliveries, or open temporary locations (pop-up stores), you'll need a mobile payment terminal you can take anywhere.

Take the time to compare what Qonto and fintechs such as SumUp, myPOS, Yavin, or Smile & Pay offer alongside solutions from established players like Ingenico.

The payment input method

This involves analyzing the payment methods your customers prefer. If your business primarily serves 18-to-34-year-olds, for example, you'll want a payment terminal that supports Apple Pay and Google Pay to accept payments via mobile devices and wearables.

For PIN entry, opt for a

In the Netherlands, the rise of new sectors — such as home delivery and services like Uber — has brought many new players into the mobile payment terminal market.

They compete with the historic pioneer in the sector: Ingenico.

You'll now find a range of devices and pricing models, each targeting specific types of professionals.

The countertop payment terminal

This is the classic POS used in most fixed retail locations or professional offices.

It requires an internet connection via an Ethernet cable, a phone line, or Wi-Fi through a router. The merchant needs a cash register to accept all payment methods.

The countertop terminal isn't very portable, but it's built to last.

The Pinpad payment terminal

It closely resembles the classic POS but stands out with an extension system fitted with a card reader.

This extension gives customers full autonomy to insert their card themselves, adding an extra layer of security.

Like the classic payment terminal, this product is designed for fixed retail locations only.

The virtual payment terminal

This is a POS that facilitates remote sales. This virtual terminal must be installed on the merchant's website to secure online transactions.

The lockdown period caused by COVID-19 significantly increased customer demand for these payment methods.

Implementation can take several forms: through a third-party platform such as PayPal, by asking the customer to provide their card details, or by using mobile payment apps such as Apple Pay or Google Pay.

The mobile payment terminal

The Dutch market has seen a wave of new players emerge in this category, including SumUp, Zettle (formerly iZettle), Yavin, Adyen, and myPOS.

This type of terminal is ideal for merchants and professionals who are frequently on the move. Mobile payment terminals are lightweight, have built-in batteries, and connect via Bluetooth, 3G, 4G, or Wi-Fi.

They allow you to accept payments wherever you are in the Netherlands.

Whether you're a taxi driver, a construction professional working on-site, or a store manager, a mobile payment terminal meets all your needs.

As a Qonto customer, you can already order your mobile payment terminal through the Qonto app.

If you're a new customer, you can get your mobile payment terminal when opening your business account.

To find the right offer for your business, you need to calculate the total cost of your POS. This breaks down into three elements:

• the price of the device;
• transaction commissions;
• additional fees.

To offer you a solution that meets your needs without a large upfront investment, we provide two payment terminals: the Pocket and the Pro.

Prices start from €99 excl. VAT for a device that includes all the essential features to accept payments with ease.

Unlike our offering, some providers charge:

• fixed fees on top of transaction commissions;
• mobile data usage fees, and require you to open a business account with their bank.

Want to use your mobile phone to accept contactless card payments? That's now possible thanks to NFC technology.

With Tap to Pay on iPhone and Tap to Pay on Android, your smartphone becomes a fully functional mobile payment terminal.

This payment solution is an excellent option for taxi drivers or home service providers, for example.