Bank of America Mobile Point of Sale
Bank of America Mobile Point of Sale: A capable mobile POS for offline, recurring, and card-present payments. Ranked #20 of 26 in Mobile Payment Processing Software by our editors (7.3/10); pricing: Paid; best for businesses needing offline and recurring POS payments.
At a glance
- Editor score7.3 / 10
- PricingPaid
- Best forBusinesses needing offline and recurring POS payments
- Tap to PayNo
- Facts checked20 Sep 2026
Where it wins
- Accepts swipe, dip, and contactless card payments
- Supports offline payments and recurring billing
- Includes inventory, reporting, and role management
Where it doesn't
- Requires the Mobile Card Reader D135
- Requires Bank of America Merchant Services and business checking accounts
- Tap to Pay is not supported
Our verdict on Bank of America Mobile Point of Sale
Bank of America Mobile Point of Sale combines a mobile app, card reader, and web dashboard for merchants accepting payments on smartphones or tablets. It supports swipe, chip, and contactless card payments, manual keyed-in transactions, email and text receipts, inventory management, transaction reporting, and user roles. The product is aimed at businesses that need a portable point-of-sale workflow across web, iOS, and Android, particularly when connectivity is not always reliable or when recurring billing is part of the sales process.
Its strongest functional advantage is payment flexibility. Offline payment mode helps support transactions when an internet connection is unavailable, while the system also records cash and check payments and accepts credit cards and signature debit. Recurring billing is handled through the Point of Sale back office, giving businesses a way to manage repeat charges alongside in-person sales. Inventory, reporting, and role controls add operational coverage beyond basic card acceptance. However, a card reader is required, and Tap to Pay is not part of the offering, so businesses seeking phone-only contactless acceptance should consider another option.
The account requirements are central to the buying decision. Merchants need a Bank of America Merchant Services account and a Bank of America business checking account, with deposits settled to that account. Processing rates use a percentage-plus-fee structure, and funding may be available the same business day for qualified accountholders; next-day funding is available to all merchants. Choose this product if those banking requirements fit and you want offline payments, recurring billing, and core POS administration in one system. Businesses wanting broader banking flexibility or a reader-free setup should look elsewhere.
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Bank of America Mobile Point of Sale pricing
Bank of America Mobile Point of Sale fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Reader required | Yes |
| Tap to Pay | No |
| Offline payments | Yes |
| Payout timing | Not verified |
| Payment methods | credit cards, signature debit, cash and check recording; magnetic stripe, EMV and contactless Visa/Mastercard |
| Recurring payments | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | PCI DSS, 2FA |
| Support | Phone, Docs · 24/7 |
| Built for | Small business, Mid-market (editorial estimate) |
| Pricing | Paid (source) |
| Website | business.bankofamerica.com |
| Facts checked | 20 Sep 2026 |
Alternatives to Bank of America Mobile Point of Sale
- Paid for StripeA flexible Stripe-based mobile POS for contactless payments, links, QR codes, and subscriptions.9.3
- PayAnywhereA flexible mobile POS for small businesses accepting cards, wallets, invoices, and offline payments.9.2
- PayPal Point of SaleA no-monthly-fee POS for in-person payments, inventory, reporting, and PayPal users.9.1
See all Bank of America Mobile Point of Sale alternatives →
Also Ranked In
Bank of America Mobile Point of Sale is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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