{"id":37671,"date":"2015-07-14T00:00:00","date_gmt":"2015-07-14T00:00:00","guid":{"rendered":"https:\/\/newrcblog.wpengine.com\/mobile-payments-vs-credit-card-payments\/"},"modified":"2025-03-13T06:14:15","modified_gmt":"2025-03-13T13:14:15","slug":"mobile-payments-vs-credit-card-payments","status":"publish","type":"post","link":"\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/","title":{"rendered":"Mobile Payments vs. Credit Card Payments"},"content":{"rendered":"<p><a href=\"\/blog\/2015\/07\/mobile-payments-vs-credit-card-payments\/mobile-payments\/\" target=\"_blank\" rel=\"attachment wp-att-16896 noopener noreferrer\"><img decoding=\"async\" class=\"aligncenter wp-image-16896 size-large\" src=\"\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/mobile-payments.jpg\" alt=\"mobile payments\" width=\"640\" height=\"373\" \/><\/a>The term &#8220;mobile payments&#8221; gets thrown around very commonly as customers have become inclined towards making payments using their phones, and merchants have become willing to accept payments through this new technology to add value to their customer\u2019s shopping experience.<\/p>\n<p>Whether, you\u2019re a manager at a restaurant accepting mobile payments, or a consumer at Starbucks choosing to use your smart phone to make payments, you\u2019re a part of the <a href=\"\/blog\/2015\/03\/4-ways-mobile-technology-enhances-the-customer-experience\/?BMID=BLOGNEW\" target=\"_blank\" rel=\"noopener noreferrer\">mobile payments movement<\/a>. But even you can use some pointers that will help you differentiate between credit card payments and <a href=\"https:\/\/www.boloro.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">how mobile payment technology works<\/a>.<\/p>\n<ul>\n<li>By using a digital wallet to make payments you can have all your information in one place. For example,\u00a0services like PayPal allow you to make payments directly from your digital wallet while you&#8217;re shopping online, instead of having to give the vendor\u00a0your credit card information directly. Basically, PayPal pays the merchants and you pay PayPal. Thus, giving the shopper <a href=\"\/blog\/2015\/04\/mobile-vs-web-payments-which-is-more-secure\/?BMID=BLOGNEW\" target=\"_blank\" rel=\"noopener noreferrer\">more security<\/a>.<\/li>\n<li>Credit cards, if stolen, can be used by the thief to impersonate you at checkout lines. However, if your mobile phone gets lost then the impersonator would have to &#8220;spoof&#8217; your fingerprints as new smart phones require a thumbprint scan to complete any transactions. Most mobile phones are also locked with a pin, so gaining access to sensitive account information is made more difficult.<\/li>\n<li>The convenience factor in mobile payments is higher as opposed to credit card payments. Just think about how much clutter you will cut by not having to keep all those credit cards in your wallet. You can also store gift cards and loyalty cards on your phone which will reduce the risk of losing them.<\/li>\n<li>Through mobile payments the checkout lines have gotten faster as it has been shown that <a href=\"https:\/\/www.creditcards.com\/credit-card-news\/mobile-payment-statistics-1276.php\" target=\"_blank\" rel=\"noopener noreferrer\">making payments from your phone is less time consuming<\/a> than using a credit card is.<\/li>\n<li>Tracking your phone in case it gets lost is much easier than it is to track your credit card. Applications like <a href=\"https:\/\/www.cnet.com\/news\/google-to-release-apple-like-find-my-phone-app-at-long-last\/\" target=\"_blank\" rel=\"noopener noreferrer\">find my phone<\/a> have made this process a lot easier than it used to be.<\/li>\n<li>People are more likely to remember using their coupons when they have stored them on their phones as most of the time they end up losing their coupons or forgetting to use them.<\/li>\n<li>Mobile payments don\u2019t require a big infrastructure to work. For example,\u00a0if you\u2019re an owner of a remotely located store and you haven\u2019t been able to provide your customers with a credit card payment facility, which decreases your sales, then mobile payments technology is ideal for you. This can also help merchants increase their profit and sales.<\/li>\n<\/ul>\n<p>Although mobile payments have a lot of advantages over cash and credit cards they haven\u2019t been widely accepted among most consumers ad merchants\u00a0yet. People are sticking to cash and credit cards to make payments because with new technology come new fears. Which is why, people are reluctant to completely switch to mobile payments.<\/p>\n<p>Have you made the switch to mobile payments? Share with us in the comments below.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The term &#8220;mobile payments&#8221; gets thrown around very commonly as customers have become inclined towards making payments using their phones, and merchants have become willing to accept payments through this new technology to add value to their customer\u2019s shopping experience. Whether, you\u2019re a manager at a restaurant accepting mobile payments, or a consumer at Starbucks &#8230;<\/p>\n","protected":false},"author":140,"featured_media":37672,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18390],"tags":[5116,8875,8876,8877,8878,8879,8880,8881,7752,8882,7755,8883,143,8884,8885,905,8886,8887,8888,8889,7768,7770,4799,8890,8891,8892,8893,8894],"class_list":["post-37671","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-communication-and-collaboration","tag-apps-on-your-mobile-device","tag-boloro","tag-credit-card-payments","tag-digital-wallet","tag-e-pay","tag-find-my-phone","tag-find-my-phone-apps","tag-google-to-release-apple-like-find-my-phone-app-at-long-last","tag-mobile-payment-security","tag-mobile-payment-statistics","tag-mobile-payments","tag-mobile-payments-vs-credit-card-payments","tag-mobile-technology","tag-mobile-technology-enhances-the-customer-experience","tag-mobile-vs-web-payments-which-is-more-secure","tag-mobility","tag-online-payments","tag-online-wallet","tag-pay-by-phone","tag-pay-with-boloro","tag-payment-methods","tag-payment-security","tag-paypal","tag-processing-credit-cards","tag-processing-mobile-payments","tag-secure-payments","tag-virtual-payments","tag-virtual-wallet"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.3 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mobile Payments vs. Credit Card Payments | RingCentral Blog<\/title>\n<meta name=\"description\" content=\"The term &quot;mobile payments&quot; gets thrown around very commonly as customers have become inclined towards making payments using their phones, and merchants\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mobile Payments vs. Credit Card Payments\" \/>\n<meta property=\"og:description\" content=\"The term &quot;mobile payments&quot; gets thrown around very commonly as customers have become inclined towards making payments using their phones, and merchants\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"RingCentral Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ringcentral\" \/>\n<meta property=\"article:published_time\" content=\"2015-07-14T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-13T13:14:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.ringcentral.com\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/mobile-payments.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"466\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Syed Irfan Ajmal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ringcentral\" \/>\n<meta name=\"twitter:site\" content=\"@ringcentral\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Syed Irfan Ajmal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/#article\",\"isPartOf\":{\"@id\":\"\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/\"},\"author\":{\"name\":\"Syed Irfan Ajmal\",\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/#\/schema\/person\/a1d76bba266a80f910c79b7b1192f63d\"},\"headline\":\"Mobile Payments vs. Credit Card Payments\",\"datePublished\":\"2015-07-14T00:00:00+00:00\",\"dateModified\":\"2025-03-13T13:14:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/\"},\"wordCount\":515,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/newrcblog.wpengine.com\/us\/en\/blog\/mobile-payments-vs-credit-card-payments\/#primaryimage\"},\"thumbnailUrl\":\"\/us\/en\/blog\/wp-content\/uploads\/2020\/07\/mobile-payments.jpg\",\"keywords\":[\"apps on your mobile device\",\"boloro\",\"Credit Card Payments\",\"digital wallet\",\"e-pay\",\"find my phone\",\"find my phone apps\",\"Google to release Apple-like 'Find My Phone' app at long last\",\"mobile payment security\",\"Mobile payment statistics\",\"mobile payments\",\"Mobile Payments vs. Credit Card Payments\",\"mobile technology\",\"Mobile Technology Enhances the Customer Experience\",\"Mobile vs. Web Payments: Which Is More Secure?\",\"mobility\",\"online payments\",\"online wallet\",\"Pay by Phone\",\"pay with Boloro\",\"payment methods\",\"payment security\",\"paypal\",\"Processing Credit Cards\",\"processing mobile payments\",\"secure payments\",\"virtual payments\",\"virtual wallet\"],\"articleSection\":[\"Communication &amp; 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