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LAST UPDATED: January 12th, 2021

Founded in 1996 and based in Buffalo, New York, ROAMpay leads in the merchant bankcard industry with its signature credit card reading device. The ROAMpay mobile credit card reader is distributed by Flagship Merchant Services, a company with which users can access additional merchant services. 

ROAMpay works with most major processors in the United States as well as small or large businesses in face-to-face or remote sales. 

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The Good

  • Device Features
  • Additional Services 

Device Features 

The ROAMpay reader has everything you would expect from a mobile credit card reader. With it, you can convert your cell phone into a secure POS terminal by connecting the reader to your phone. That means you can quickly process electronic transactions over a secure network, regardless of your location. End-to-end encryption protects sensitive customer data. 

The device and application are user friendly, easy to set up, and compatible with most mobile devices. The device is PCI-DSS and PA-DSS compliant and has all the other additional features that make mobile business easier, such as the capabilities to calculate tax, prompt a tip, generate customized receipts, and process refunds.

The reader is lightweight and compact and plugs into a 3.5 mm headphone jack. 

If you’re seeking regular POS terminals, ROAMpay does supply those in addition to the cell phone card readers. 

Additional Services

As mentioned, Flagship Merchant Services incorporates ROAMpay card readers into its repertoire of available merchant services, and Flagship provides other great services in addition to helping you process credit card transactions on the go. It specializes in credit card processing in general but also provides access to a suite of business management analytics and customer service resources. 


The Bad

  • Outdated Website
  • Undisclosed Rates and Fees

Outdated Website

On the company’s supported mobile device page listing devices compatible with the ROAMpay reader, the list includes many outdated iPhone models, Android phones, and BlackBerry devices and it does not list newer models. It may be that ROAMpay card readers are not frequently updated with the newest technology, so the outdated website could be an apt reflection of the product. While it’s more likely that new phone models are indeed compatible with the ROAMpay reader, the outdated website leaves something to be desired for prospective customers. 

Undisclosed Rates and Fees

Card reader prices and monthly rates or fees are not listed on the ROAMpay website. Expect PCI compliance fees and monthly minimums with a card reading service, but aside from that, you’ll need to contact the company for specifics. 


The Bottom Line

Assuming the product is up-to-date and compatible with the latest mobile devices, ROAMpay is a good option for a card reader service by virtue of its security, size, and connection with Flagship Merchant Services, our number one ranked merchant services company. 

ROAMpay claims to have a good transaction rate for credit card swipes, but be aware that pricing details are not on the website, so we can’t compare rates to that of other card reader companies. 

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