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Flagship ROAMpay Review

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PROS / When you sign up for an account with Flagship ROAMpay, you are assigned a dedicated account rep.

CONS / You have a monthly minimum that you are required to meet through your processing costs.

 VERDICT / Though it has high fees and tiered pricing, Flagship ROAMpay offers standout customer service and doesn't require a long-term contract.

Flagship ROAMpay is a branch of Flagship Merchant Services that offers iPhone card readers and mobile credit card processing. Traditional retail accounts and online processing accounts are also available. Flagship offers tiered pricing rates, which can be good for merchants that make a large amount of debit transactions. This processor charges a monthly fee, a PCI-compliance fee and a monthly minimum, but it offers excellent customer service.

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When you sign up for an account with Flagship, you receive a free iPhone credit card reader. Flagship does not offer EMV-compliant credit card readers for iPhone, and it only offers an EMV-ready terminal that is prohibitively expensive.

Flagship offers tiered rates to merchants who use its apple card reader to accept mobile payments. Qualified debit cards are processed at a 0.38 percent rate, the lowest on our review. Non-qualified transactions are processed at a 1.98 percent rate while credit card transactions are processed at 1.58 percent for qualified transactions and 3.56 percent for non-qualified. Every transaction includes a $0.19 per-transaction fee. If your business has larger average ticket sizes, ROAMpay's tiered rate can save you money over mobile processors that charge a flat rate.

Flagship ROAMpay charges fees in addition to the processing costs. You pay a monthly fee of $7.95 along with a yearly PCI-compliance fee of $99. Each month, your processing costs need to meet a minimum of $25 or pay the difference of $25 and the amount you processed. These are higher costs than we recommend for mobile processing.

This provider of iPhone card readers posts its terms online, but information about pricing and fees is not available. Transparency of information is an important consideration when looking for a processor, and Flagship ROAMpay failed to meet those standards.

There is no long-term contract with Flagship. This gives you the flexibility to move on to another processor if Flagship doesn't meet your business's needs. One advantage of using an apple card reader to accept payments is that the setup time is quick; you can begin accepting payments the day after you sign up. If you want to avoid paying higher non-qualified rates for keying in transactions, you must wait for your iPhone card reader to arrive.

By providing a dedicated account rep and 24/7 phone support, Flagship's customer service is one of its standout features. If a personal touch from customer service is important to you, this mobile processor may be the best choice for you.


Flagship ROAMpay gives excellent customer service to customers who sign up for its full service merchant accounts. This processor uses tiered pricing, which can be the right choice for businesses with high average ticket sizes.

Flagship ROAMpay Get Quote