ROAMpay Mobile Payment Processing

ROAMpay enables businesses to transform mobile phones into secure point-of-sale terminals capable of processing major credit cards, such as Visa®, MasterCard® and Discover Network®.

ROAMpay allows your business to leverage the benefits of a tabletop terminal with the functionality of your cell phone. And if your business prefers to swipe card transactions at the point of sale, you can benefit from ROAMpay Swipe, a fully-encrypted mobile swipe attachment for your device.

Convenient to use

ROAMpay is simple since it requires two items you already have – your current cell phone and your current calling plan. ROAMpay is available for use on over 200 mobile phones and all major carriers. Even if you don’t have a data plan, you can pay-as-you-go for the data you use.

Key Benefits

  • PCI DSS certified
  • Real-time authorization
  • Serves as a virtual terminal for your phone, as well as your PC or Mac
  • Online reporting
  • Email receipts to your customers
  • Quick activation – 15-30 seconds to load application to a phone

ROAMpay Swipe

ROAMpay Swipe is a small mobile swipe attachment for your cell phone that allows you to swipe card transactions. Fully encrypted from end-to-end, ROAMpay encrypts the credit card information at the swipe, ensuring safety and security on every transaction.

Key Benefits

  • Benefit from lower card-present rates
  • Small enough to carry in your pocket
  • Connects through your device’s audio input jack – no special adapters

View the Commerce Bank ROAMpay PDF for additional information.

Interested in learning more?


  • To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.