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Affordable Mobile Merchant Account Service Helps the Self-Employed Weather the Slowing Economy


Those turning to entrepreneurship or freelancing as a means of surviving current economic troubles need an affordable way to accept credit card payments from customers. Even mobile business owners not operating in a regular home or office environment now have a payment processing option they can afford with merchant account services from, which allows entrepreneurs to use their mobile phones as wireless terminals to accept payments from anywhere, even on the road.

Stockton, CA – November 17, 2008 – Between investments lost in the stock market and the fear of lost jobs comes a need for new income streams. In times like these, where it is often more cost-effective for businesses to outsource than retain full-time staff, freelancers and small business owners are sometimes best able to survive a slowing economy. While self-employment is an attractive option, it poses its own problems, including the need to accept and process credit card payments in an affordable way. A service launched this fall by offers an affordable option, allowing entrepreneurs and freelancers to accept and process credit card payments via any touch tone phone.

“Many people who work independently also don’t work in a regular office environment,” says Philip Ritchie of “Rather, they have a need to accept payments when away from their office, or they don’t even have a regular office to begin with. Our services address this need with phone credit card processing allowing customers to accept payments through a mobile phone, using it as a wireless terminal without paying for expensive equipment.”

ChargeOnPhone’s wireless terminal capabilities can come in handy in many circumstances where individuals are trying to earn extra income (or run a full-time business) independently, such as:

Crafts Businesses – Those wanting to sell arts and crafts predominantly at crafts shows can do so without investing in equipment by processing payments from their show booth over their mobile phone.

Moving Companies – An independent mover or moving business can opt to take client payments over a mobile phone at the time of the move as opposed to taking payment up front or at the office when the job is completed.

Attorneys – Lawyers can benefit by having a mobile solution to accepting credit card payments. Retainer fees are accepted as well with this method. offers small business merchant account capabilities for a low monthly fee and 3.85 percent transaction fee. The service is month-to-month with no minimum commitment, meaning there are no cancellation fees. There is a one-time $27 application fee, which is refundable if an application cannot be approved.

ChargeOnPhone is a wireless merchant account provider catering to the needs of small and mobile business owners who need the ability to accept credit or debit card payments over the phone. Their cheap small business merchant accounts allow clients to accept payments from anywhere with access to a touch-tone or mobile phone, approving charges and transferring funds to the user’s checking account quickly and easily. The company, launched in September 2008, is headquartered in Stockton, California.

For more information about ChargeOnPhone’s pay-by-phone small business merchant accounts, please visit or contact Philip Ritchie at 888-879-8198.


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