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ChargeOnPhone Makes it Easier for Business Owners to Accept Credit Card Payments by Phone


A new service launched this month at gives small and mobile business owners an easy and affordable option to accept credit cards over the phone. The wireless merchant accounts don’t require customers to buy or rent any equipment, by allowing business owners to use their mobile phones as wireless terminals.
Stockton, CA – September 12, 2008 – Small business owners often look for ways to save money on the cost of doing business. One common cost faced by entrepreneurs who want to accept credit cards over the phone is the cost of maintaining a wireless merchant account with the need to either purchase or rent credit card terminals. A new service launched by lets business owners use any touch-tone phone to process orders on major credit or debit cards. The service even allows customers to use their mobile phone as a wireless terminal.

“Small business owners need to work efficiently,” says Philip Ritchie of “This makes phone credit card processing services like ours ideal for them, and especially for entrepreneurs on-the-go who can authorize credit card payments from anywhere they can access a phone. They save money by not having to invest in equipment, and they can make credit card and debit card payment options even faster and more accessible for their own customer base. The best merchant account option for small businesses is one that addresses their particular needs without charging for unnecessary add-ons.”

The ChargeOnPhone system involves just three steps to process credit card payments:

1. The business owner (or authorized representative of their company) dials a toll-free Dialpay number.

2. The user then follows the voice prompts and enters their customer’s credit card information.

3. They then simply wait for an approval notice. If the credit or debit card transaction is approved, the payment will be automatically processed to the user’s account in one to three business days.

Unlike similar services that require minimum monthly charges on the account or annual fees, ChargeOnPhone makes small business merchant accounts more affordable for phone processing with only a $27 application fee (which is refundable if an application is denied), a low monthly statement fee, and competitive 3.85 percent rate on transactions.
Business owners can get approved for the pay-by-phone solution in 24 business hours, and agreements are month-to-month, meaning no cancellation fees or penalties apply.

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.


 merchant accounts
 credit card processing

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