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SPECIFICTION
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Bank of America Mobile Point of Sale

business.bankofamerica.com

WebiOSAndroid
Visit business.bankofamerica.com
Spec score 7.9 #7 of 27 in Mobile Payment Processing Software

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 magnetic stripe, EMV, contactless Visa or Mastercard, signature debit, cash, or check recording, then receive receipts by email or text. The app brings Business Advantage and Merchant Services account management together. Use requires a Bank of America Merchant Services account and a Bank of America business checking account, with funds settled into that checking account; Business Advantage 360 enrollment is required for a Merchant Services account. The reader works with a compatible merchant-supplied iOS or Android phone or tablet. Listed rates are 2.65% + 10¢ per in-person sale, 3.50% + 15¢ for keyed payments, and 2.99% + 30¢ online. The D135 costs $109.00 once; its charging base costs $87.00 once.

Spec sheet

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.Read 7 Oct 2026 · business.bankofamerica.com
Support
The product includes 24/7 U.S.-based Merchant Services technical support.Read 7 Oct 2026 · business.bankofamerica.com
Account management
The app lets users see and manage Business Advantage and Merchant Services accounts in one place.Read 7 Oct 2026 · business.bankofamerica.com
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.Read 7 Oct 2026 · business.bankofamerica.com
Business Advantage 360
The maker says enrollment in Business Advantage 360 is required to have a Bank of America Merchant Services account.Read 7 Oct 2026 · business.bankofamerica.com
Contracts
The maker states there are no long-term contracts or early termination fees, though a Merchant Services agreement is required.Read 7 Oct 2026 · business.bankofamerica.com
Device compatibility
The reader requires a compatible iOS or Android smartphone or tablet supplied by the merchant.Read 7 Oct 2026 · business.bankofamerica.com
Funding
The maker advertises same-business-day access to funds at no cost for qualified accountholders, subject to credit approval and other conditions.Read 7 Oct 2026 · business.bankofamerica.com
Maker founding
Bank of America identifies Bank of Italy, founded in 1904, as its legacy institution.Read 7 Oct 2026 · about.bankofamerica.com
Maker headquarters
Bank of America Corporation lists its principal executive offices in Charlotte, North Carolina.Read 7 Oct 2026 · investor.bankofamerica.com
Payment acceptance
Customers can pay by swiping, dipping, tapping or phone, and receive a receipt by email or text.Read 7 Oct 2026 · business.bankofamerica.com
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.Read 7 Oct 2026 · business.bankofamerica.com
Unsupported transactions
PIN Debit, EBT and gift card transactions are not supported; contactless payments are not supported for China UnionPay or JCB.Read 7 Oct 2026 · business.bankofamerica.com

Plans and prices

In-person swipe, dip and tap payments Priced on request 2.65% + 10¢ per sale No long-term contracts · no hidden fees · no early termination fees Read 7 Oct 2026 · business.bankofamerica.com
Manual keyed-in payments Priced on request 3.50% + 15¢ per sale No long-term contracts · no hidden fees · no early termination fees Read 7 Oct 2026 · business.bankofamerica.com
Online e-commerce payments Priced on request 2.99% + 30¢ per sale No long-term contracts · no hidden fees · no early termination fees Read 7 Oct 2026 · business.bankofamerica.com
Charging Base D135 $87, paid once $87.00 Optional charging base for Mobile Card Reader D135 Read 7 Oct 2026 · business.bankofamerica.com
Card Reader D135 $109, paid once $109.00 Bluetooth card reader for smartphone or tablet Read 7 Oct 2026 · business.bankofamerica.com

Every Bank of America Mobile Point of Sale plan and price →

Strong points and limits

Strong points

  • Accepts swipe, dip, tap, phone, and signature debit payments
  • Provides receipts by email or text
  • Supports Android, iOS, and web access
  • Offers 24/7 U.S.-based technical support
  • No long-term contracts or early termination fees

Limits

  • Requires Bank of America Merchant Services and checking accounts
  • PIN Debit, EBT, and gift cards are unsupported
  • D135 reader requires a compatible merchant-supplied device
  • Listed per-sale rates and hardware costs apply

Who it suits

It suits businesses already using Bank of America business banking that need mobile card acceptance and sales reporting. Merchants should verify that their devices and required account setup meet the stated requirements.

Verdict

The solution combines a mobile app and dedicated reader with several card-present payment methods and account management. Its Bank of America account requirements and unsupported transaction types are important constraints, while the listed rates and hardware prices make the cost structure explicit.

Where Specifiction places it

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