It's no secret that the iPhone is much more than just a smartphone. Apple has even started giving iPhones to Apple Store Concierge employees to schedule appointments and manage the store.

The ability to complete mobile transactions with credit card terminals is a great use of the iPhone for employees on the go or companies that do home or office calls. Like most applications in the iTunes App Store, there is no shortage of alternatives available for you to try. Here's a roundup of some of the most popular credit card terminals for iPhone.

Credit Card Terminal [iTunes Link] - $0.99
This app is pretty awesome. So awesome in fact, that it was featured internationally in an Apple commercial. The 99 cent application offers a (very) cheap alternative to expensive terminals and hardware. With a clean and easy to use interface, users can enter credit card information, complete transactions, and even view and refund past sales. The app also gives you the ability to collect customer information. The developer even offers telephone and email support and will walk you through setup.

Billing: Credit Card Terminal [iTunes Link] - $19.99
Another "easy to use" credit card terminal that is guaranteed to help make transactions easier. Sporting a pretty cool, and somewhat different kind of interface, the $20 application makes setting up a sale as simple as tapping a button. One cool feature offered in this version is the ability to get a customer's signature.

Some screenshots from the featured applications:

First they wowed us with Handshake for iPhone, now the same developers are back at it again with Transactions [iTunes link] for iPhone. Transactions gives you the ability to charge a credit card from anywhere! This application is excellent for small business owners who need to process credit cards away from an office.

Transactions interfaces with PayPal and Authorize.net and allows you to easily type in a credit card number, expiration date, CCV2 code, amount, and zip code. Once you have that information, you can select a contact to automatically auto-fill the purchaser's address and phone number. You can also enter in the name, email address, and additional notes about the transaction. When all of these fields are completed, return to the main screen and tap "charge" -- the information is whisked away using 128-bit SSL encryption to the appropriate service (either PayPal or Authorize.net). If the information was correctly entered you receive a message telling you the transaction went through.

Transactions gives you the ability to easily import your PayPal and Authorize.net account information using a useful tool on their site. They send an email to your device with a special URL that inputs your account information when opened. The application allows you to view all of the transactions completed, and allows you to export them as a a CSV file that opens in Excel, Numbers, and other applications that can read comma separated files. All of the information stored within Transactions is kept safe inside of Apple's Keychain, and you can password-protect the application to enable even more security.

Transactions is now available on the iTunes App Store, and comes in two flavors: paid and free. The free version is limited to 2 credit card transactions per 12-hours, while the paid version removes this limit. If you use the free version and plan to upgrade to the paid version, you have the ability to transfer all of your settings from the free version to the paid version -- a first on the iPhone. You can visit the Transactions website for more details about this iPhone application. You may also want to note that Authorize.net or PayPal Website Payments Pro account is required, and that some fees may apply.

There's been some talk about PayPal blocking Safari from using its services, and I'm among those concerned about it... even if only from a convenience standpoint. Originally the news was gleaned from statements by PayPal Chief Information Security Officer Michael Barrett regarding browsers without phishing protection -- which most assumed included our beloved Webkit-based compass. But in a brief addendum to a post at the Wall Street Journal last week it was reported that -- while Paypal will be blocking older browsers (IE4-era) and older operating systems -- Safari is safe from the cut.

I'm relieved, at least from the previously mentioned convenience standpoint. I prefer Safari as my surfing browser¹ and I frequently use PayPal. It's too bad that there are still a good number of sites that, while not blocking Safari, just plain don't work with it yet. Add to that some of the great plugins available for Flock/Firefox and you'll almost always find me with multiple browsers open. In much the way that the iPhone is preventing Gargoylism* by consolidating peripherals, I'm hoping for a day when I open just one browser in the morning. I'm getting a little teary-eyed thinking about it.

¹Since I know it will be bandied about in the comments, I'd like to offer these reasons for preferring Safari: It's faster (in general). It's more elegant (or prettier, either way it's subjective). It's AppleScriptable (which I make daily use of). And it's more elegant (redundant, but worth mentioning again).

I've seen some very convincing PayPal phishing sites in recent years. I've also worried many times that friends and relatives less savvy in the ways of the phisher may inadvertently hand off a password or two and blame me – the one who talked them into a PayPal account to begin with – for the draining of their life savings. Thankfully PayPal shares my concern for said friends and family members and has published a guide to "Safer Browsers." Apple's Safari web browser, however, was not included in the list of recommended browsers.

This is not all that surprising, at least to anyone who's followed Safari security concerns. Despite having improved in certain areas, such as IDN spoofing, Safari still lacks some fundamental security features found in Internet Explorer (7+), Firefox and Opera. Features such as Extended Validation certificates are heavily promoted by PayPal, despite the warnings of critics who feel that many targets of phishing scams don't notice the green background in the URL field until it's too late -- if at all. Plugins like Saft do their bit, adding a few security features too. But until Safari catches up with IE and Firefox in the area of security, it's not likely that PayPal's list is going to include the otherwise spectacular browser.

[via Macworld]

Happy Cyber Monday! Lots of online retailers are offering up discounts today and tomorrow, but if you use PayPal, you have the opportunity to save even more. At select merchants (see the entire list and details here), you can get 20% cash back if you pay with PayPal (the ceiling is at $50 for cash back per PayPal account, so maximum purchase price of $250 for the full discount), starting today. Some merchants are running the sale longer than others, so check the individual sites for details.

What does this have to do with Apple and Mac users? Well, although the Apple Store is not a selected merchant (it doesn't take PayPal, but it is offering free shipping today), lots of stores that sell Mac products or accessories are on the list. NewEgg.com carries Macs, iPods, software, RAM and accessories; 20% off on a $200 iPod Nano, with free shipping and a free holster, is an unbeatable discount. eBags.com has a great selection of laptop bags (the 20% PayPal cash back is enough for me to bite the bullet and order the Tumi messenger I've been eying for ages). BarnesandNoble.com has lots of great books about Apple and Apple products and Overstock.com often has great deals on older Apple products and on iPod accessories.

If you use PayPal and have been waiting for some deals for gifts for yourself or others, right now might just be the time to start shopping.

If you remember the P-P-P-Powerbook scam last year, then you're going to love the new and improved M-M-M-Macbook scam. Once again, a Something Awful forum dweller by the name of isnoop has documented quite the adventure involving a MacBook Pro sale on eBay, and the intrepid scammer who didn't quite get what he ordered. Check out the first post in the forum for links to the key events of the scam, and marvel at this wonderful entertainment the internets make available.

[thanks C Keigher!]