
Bank of America Mobile Point of Sale
Bank of America Mobile Point of Sale combines the BofA Point of Sale Mobile app with the Mobile Card Reader D135 for on-the-go payment processing and sales r…
What Bank of America Mobile Point of Sale is
Bank of America Mobile Point of Sale combines the BofA Point of Sale Mobile app with the Mobile Card Reader D135 for on-the-go payment processing and sales reporting. Customers can pay by swiping, dipping, tapping, or phone, and receive receipts by email or text. Listed payment methods include credit cards and signature debit, along with cash and check recording, and magnetic stripe, EMV, and contactless Visa and Mastercard. PIN Debit, EBT, and gift card transactions are not supported; contactless payments are also unavailable for China UnionPay and JCB. The app lets users view and manage Business Advantage and Merchant Services accounts in one place. Use requires both a Bank of America Merchant Services account and a Bank of America business checking account, with Merchant Services funds settled into that checking account. The maker says enrollment in Business Advantage 360 is required to have a Merchant Services account. The D135 reader requires a compatible iOS or Android smartphone or tablet supplied by the merchant. Per-sale pricing is 2.65% + 10¢ for in-person swipe, dip, and tap payments, 3.50% + 15¢ for manual keyed-in payments, and 2.99% + 30¢ for online e-commerce payments. The maker advertises same-business-day access to funds at no cost for qualified accountholders, subject to credit approval and other conditions.
Good
- Accepts swipe, dip, tap, or phone payments.
- Receipts can be sent by email or text.
- Includes 24/7 U.S.-based technical support.
- No long-term contracts or early termination fees.
- Same-business-day funds access is advertised for qualified accountholders.
Watch out
- Requires Bank of America Merchant Services and business checking accounts.
- Business Advantage 360 enrollment is required for Merchant Services.
- PIN Debit, EBT, and gift cards are unsupported.
- Contactless China UnionPay and JCB payments are unavailable.
Who it suits
This solution suits Bank of America business customers who need mobile card acceptance and sales reporting. It requires the specified Merchant Services and business checking accounts, plus a compatible merchant-supplied device for the reader.
Verdict
Bank of America Mobile Point of Sale combines a card reader and app for mobile sales, but it depends on specific Bank of America accounts. Review the per-sale rates and unsupported transaction types against the payments your business accepts.
Plans and prices
From Bank of America Mobile Point of Sale's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| In-person swipe, dip and tap payments | Priced on request | No long-term contracts · no hidden fees · no early termination fees · 2.65% + 10¢ per sale |
| Manual keyed-in payments | Priced on request | No long-term contracts · no hidden fees · no early termination fees · 3.50% + 15¢ per sale |
| Online e-commerce payments | Priced on request | No long-term contracts · no hidden fees · no early termination fees · 2.99% + 30¢ per sale |
| Charging Base D135 | $87, paid once | Optional charging base for Mobile Card Reader D135 · $87.00 |
| Card Reader D135 | $109, paid once | Bluetooth card reader for smartphone or tablet · $109.00 |
The facts
Each one read from Bank of America Mobile Point of Sale's own pages, with the date it was checked.
What it does
- Account management
- The app lets users see and manage Business Advantage and Merchant Services accounts in one place.checked 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.checked 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.checked 7 Oct 2026
- Contracts
- The maker states there are no long-term contracts or early termination fees, though a Merchant Services agreement is required.checked 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.checked 7 Oct 2026
- Payment acceptance
- Customers can pay by swiping, dipping, tapping or phone, and receive a receipt by email or text.checked 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.checked 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.checked 7 Oct 2026
- Support
- The product includes 24/7 U.S.-based Merchant Services technical support.checked 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.checked 7 Oct 2026
Where it runs
- Device compatibility
- The reader requires a compatible iOS or Android smartphone or tablet supplied by the merchant.checked 7 Oct 2026
The company
- Maker founding
- Bank of America identifies Bank of Italy, founded in 1904, as its legacy institution.checked 7 Oct 2026
- Maker headquarters
- Bank of America Corporation lists its principal executive offices in Charlotte, North Carolina.checked 7 Oct 2026
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