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Bank of America Mobile Point of Sale
What it is
Bank of America Mobile Point of Sale combines the BofA Point of Sale Mobile app with the Mobile Card Reader D135 for mobile payment processing and sales reporting. Customers can pay by swiping, dipping, tapping, or phone, then receive receipts by email or text. Supported methods include credit cards, signature debit, cash and check recording, plus magnetic stripe, EMV, and contactless Visa and Mastercard. PIN Debit, EBT, and gift cards are not supported, and contactless China UnionPay or JCB payments are unavailable. The app brings Business Advantage and Merchant Services account management together. Use requires a Bank of America Merchant Services account, a Bank of America business checking account, and Business Advantage 360 enrollment. Listed rates are 2.65% + 10¢ per in-person sale, 3.50% + 15¢ for keyed payments, and 2.99% + 30¢ online. The D135 reader costs $109, paid once; its charging base costs $87, paid once. Android, iOS, and web access are listed.
For and against
For
- Accepts swipe, dip, tap, and phone payments
- Provides email or text receipts
- Offers offline and recurring payments
- Includes 24/7 U.S.-based technical support
- No long-term contracts or early termination fees
Against
- Requires Bank of America accounts
- Card reader required for mobile use
- PIN Debit, EBT, and gift cards unsupported
- D135 reader costs $109, paid once
The verdict
Bank of America Mobile Point of Sale combines a mobile app, card reader, payment acceptance, and sales reporting. Account requirements, transaction exclusions, and listed per-contact charges should be reviewed before choosing it.
Who it suits
This solution suits businesses with Bank of America Merchant Services and business checking accounts that need mobile, in-person, or online payment processing.
Plans and prices
In-person swipe, dip and tap payments
No long-term contracts · no hidden fees · no early termination fees
Read 7 Oct 2026 · business.bankofamerica.com
Manual keyed-in payments
No long-term contracts · no hidden fees · no early termination fees
Read 7 Oct 2026 · business.bankofamerica.com
Online e-commerce payments
No long-term contracts · no hidden fees · no early termination fees
Read 7 Oct 2026 · business.bankofamerica.com
Charging Base D135
Optional charging base for Mobile Card Reader D135
Read 7 Oct 2026 · business.bankofamerica.com
Card Reader D135
Bluetooth card reader for smartphone or tablet
Read 7 Oct 2026 · business.bankofamerica.com
On the record
- Account management
- The app lets users see and manage Business Advantage and Merchant Services accounts in one place.business.bankofamerica.com · read 7 Oct 2026
- Account requirement
- Use requires a Bank of America Merchant Services account and a Bank of America business checking account, with Merchant Services funds settled into that checking account.business.bankofamerica.com · read 7 Oct 2026
- Business Advantage 360
- The maker says enrollment in Business Advantage 360 is required to have a Bank of America Merchant Services account.business.bankofamerica.com · read 7 Oct 2026
- Contracts
- The maker states there are no long-term contracts or early termination fees, though a Merchant Services agreement is required.business.bankofamerica.com · read 7 Oct 2026
- Device compatibility
- The reader requires a compatible iOS or Android smartphone or tablet supplied by the merchant.business.bankofamerica.com · read 7 Oct 2026
- Funding
- The maker advertises same-business-day access to funds at no cost for qualified accountholders, subject to credit approval and other conditions.business.bankofamerica.com · read 7 Oct 2026
- Maker founding
- Bank of America identifies Bank of Italy, founded in 1904, as its legacy institution.about.bankofamerica.com · read 7 Oct 2026
- Maker headquarters
- Bank of America Corporation lists its principal executive offices in Charlotte, North Carolina.investor.bankofamerica.com · read 7 Oct 2026
- Payment acceptance
- Customers can pay by swiping, dipping, tapping or phone, and receive a receipt by email or text.business.bankofamerica.com · read 7 Oct 2026
- Purpose
- The Mobile Point of Sale solution combines the BofA Point of Sale Mobile app and Mobile Card Reader D135 for on-the-go payment processing and sales reporting.business.bankofamerica.com · read 7 Oct 2026
- Security qualification
- The maker says customer data is secure and protected but disclaims that security solutions guarantee against breaches or guarantee PCI DSS or Payment Network Rules compliance.business.bankofamerica.com · read 7 Oct 2026
- Support
- The product includes 24/7 U.S.-based Merchant Services technical support.business.bankofamerica.com · read 7 Oct 2026
- Unsupported transactions
- PIN Debit, EBT and gift card transactions are not supported; contactless payments are not supported for China UnionPay or JCB.business.bankofamerica.com · read 7 Oct 2026
