Heartland Payment Systems, payments processors, has launched a solution that helps restaurateurs accept and process card payments anywhere inside and outside a restaurant. Mobuyle is a mobile payment acceptance solution for Apple iOS mobile devices, enabling merchants to take credit, debit and gift card payments on the iPhone, iPad and iPod touch. This release follows the successful launch and adoption of Mobuyle for restaurants Android version and Mobuyle for retail iOS and Android versions, according to a company press release.

As one of the first secure, mobile payment applications fully designed and developed by a leading card payments processor, Mobuyle can be used by existing Heartland card restaurant merchants by downloading the free application from Apple's App Store and purchasing a Mobuyle Encrypting Card Reader from Heartland. Merchants just plug the reader into an Apple mobile device audio jack and swipe cards to process customer transactions from anywhere inside or outside a restaurant.

Mobuyle puts full terminal capabilities into the hands of restaurant staff while also enabling them to accept card payments with store and forward functionality, giving them the ability to accept payments, even if they are out of range of cellular coverage or WiFi access. These capabilities allow servers to accept tableside card payments while also expanding restaurateurs' payment options to coincide with their business offerings, including:

Pay at the table: Allows staff to accept tableside payment with customer tip entry and electronic signature capture.

Speeds the transaction process by allowing food runners/servers to accept car-side payments without having to go back into a restaurant to process a payment.

Catering: Enables restaurateurs with catering services to accept card payments onsite during an event and the embedded SAF functionality is beneficial at isolated or remote locations/venues.

Delivery services: Instead of paying more for card-not-present transactions, restaurateurs can now equip their delivery drivers with Mobuyle to accept payments at the door of a food delivery.

With Mobuyle, restaurant merchants pay rates similar to those for traditional card processing, which is more cost-effective than paying a higher, flat fee for all transactions. In accordance with The Merchant Bill of Rights and its advocacy for the clear, straightforward presentation of processing costs, Heartland follows an interchange-plus pricing model which passes card brand fees directly through to the merchant and charges processing fees separately. Restaurateurs also save money by working with Heartland directly and bypassing third-party provider fees.

"Restaurant merchants need payment acceptance capabilities from just about anywhere, and Heartland is leading the charge in providing a secure and comprehensive mobile payment acceptance solution," said Mike English, executive director of product development for Heartland Payment Systems, which is endorsed by the National Restaurant Association and 45 state restaurant associations. "By accepting credit, debit and gift card payments through AppleiOS mobile devices, Mobuyle enables restaurateurs and their staff to enhance the overall customer experience."

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