Bank of America Mobile Point of Sale review
A capable mobile POS for offline, recurring, and card-present payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Bank of America Mobile Point of Sale pros and cons
- 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
Bank of America Mobile Point of Sale fact sheet, pricing and score →
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