Financial applications are all the rage nowadays, given their efficiency and convenience in making transactions. They are ideal for your business and personal financial balancing. Money matters are now simplified and all you need is your iPhone or iPad. Read on and find out about what wonderful application you can get to make your work far much easier!
1. Debt Dog
Spending using your credit card can turn out to be the best thing to do or the worst. The thin line between good and bad with credit cards is the payment period. Any delay on paying your credit card bill is accompanied by interest rates making it even harder to pay your bills. The best time to pay your credit card bill is immediately but we are all prone to forgetting.
It would be easier if you could just know, beforehand, the deficit before you bought the item, right. Well then, the Debt Dog answers your prayers. This lovely application for your iPhone allows you to calculate the cost before you go buying an item. It prevents you the huge shockers when you thought you would gain a 10 percent discount only to get you are paying double.
The Debt Dog is your credit watchdog and after using it for a while, you will be more knowledgeable about deficit spending. Its simplicity makes it very easy to use. However, it is too simple to allow you to add other complex credit card information such as your annual fees.
2. Square
Probably the most popular iPhone financial application and is free to obtain! You can use this nifty application with the Dongle or without it. The Dongle is compatible as it has a similar jack pin as that of your headphones. You accept credit cards by either swiping or entering the relevant card information.
The transaction is reflected immediately in the account and the customer gets a receipt at once in their email. The great thing is you do not need to subscribe to any merchant account and nor any form of contracting.
It is wonderful for your personal finance and even with your business as it enables you to track location of a payment, track your sales, tax and monitor your customers with high purchasing records. It charges for the transaction by either swiping the card or typing the information.
Its efficiency is great and should be on your top of applications-to-get list.
3. iPay POS
If you are already a merchant account holder then you are in luck, as another robust application comes your way. This application is highly flexible and uses many payment gateways. The iPay POS is a free application that uses the iMag credit swipe and portable receipt printers and specific dongles.
It allows you to accept credit cards and set up your own iPay gateways at only $7.50. Small merchants get to enjoy bundles of twenty transactions with the first ten at no cost and each additional slightly under a dollar. If you want the bigger merchant option, you get the unlimited bundle for 30 dollars.
4. Swipe It
This lovely app allows you to get credit card information by either swiping the card, or keying in the information and getting the signature of the cardholder on the card. For swiping, you have to purchase the accompanying card reader. This investment is worth it as it is ultimately cheaper to transact when swiping rather than keying in data.
Those with merchant accounts have to create a Swipe It account, to transact. The Swipe It gateway will cost you 15 dollars to set it up. This is a one-time charge but you will have to pay 20 dollars per month in usage fees and a fraction of $0.15 for every transaction.
5. Credit Card Terminal
This application is only applicable with authorize.net and uses a dongle to read the credit cards. It handles all numerous credit cards covering all the major ones, allows for one to get a partial or a full refund upon returning items. To accept credit cards as many other applications you get the signature, enter the details or swipe on the card reader.
An additional benefit is the receipt goes to both the customer’s email and printing. You can print out the receipts directly from Credit Card Terminal as PDF. The charges incurred range between 1.74 to 3.79 percent for each transaction. The difference lies in the type of transaction. It is not a free application but costs a minimal amount of a dollar.
Nick Thomas is a finance expert and loves the use of technology for management of personal and business management. His website debtconsolidation.com.au is a good source of information for those seeking help regarding debt, credit and finance advice.