For the last couple of years, I have had to use the GoPayment app to process credit cards, separately from the QuickBooks Online app on my Android phone. For those not familiar with GoPayment, it is the mobile app for QB Payments, a credit card merchant services company owned by Intuit. I have used it for almost as long as my business because I get great rates: 1.6% swiped and 1.75% when clients pay online for invoices that I have emailed out of QuickBooks Online, and it conveniently and automatically records the batch deposits so they are matched perfectly in Banking, where posted transactions are downloaded. And unlike other credit card processors like Square, PayPal, etc., they deposit the full amount of my payments and charge the fees separately, making reconciling so much easier.

Since I also have the QBO app on my Android phone, it was not so convenient having to use the GoPayment app to process credit cards and not have my items synced with QBO. While not a big deal, I also had to import the GoPayment charges into QBO later, and the batch doesn't occur automatically. Now, I don't know if this was solely an issue with my Android phone (I have a Google Nexus 6) or just an app limitation, but I kept getting an error that my mobile card reader, the latest with the chip technology, was incompatible with my device. And when I checked with my colleagues, they confirmed that the app couldn't do it anyway. 

But that has all changed! I don't know when it started to work, but I can now process credit cards within the QBO app. This is a total game changer because I can select the products or services already in QuickBooks with pricing, create a sales receipt, and email it off to my client in record time. And the batch is created automatically when the money is deposited into my bank account. 

For small businesses that are in a field services industry (Plumbers, HVAC, etc.), this would mean not having to use another app for getting signatures on quotes and receiving deposits or payments, all within the QBO app. Even businesses that do point of sale (POS) transactions (counter restaurants, small shops, etc.), this could work on a tablet to process receipts and eliminate the accounting nightmares that other services like Square, Shopkeep, and Revel would normally cause.