CardFlight aims to make in-person purchases easier by enabling merchants to accept swiped card payments within their own mobile apps.

"We're not saying that e-commerce is a bad market … but most payments still occur in real life," says Derek Webster, founder and CEO of CardFlight. "Retail commerce is still a massive opportunity."

A typical use case would be integrating payment into an app that checks in conference attendees at the door. Event staff could take a payment without switching to a payment-specific app.

CardFlight casts itself as "only a part of an all-in-one solution," as opposed to the mobile card readers that work only with dedicated payment apps, Webster says.

The New York-based startup offers a mobile card reader, a software development kit (SDK) and an application programming interface (API). These allow developers to create a secure way to accept payments within their apps while ensuring the flow matches the rest of the app's functionality, Webster says. CardFlight works on most iOS and Android devices.

CardFlight also announced a partnership with Stripe, which provides tools to developers to allow them to accept payments. The companies let developers use their Stripe accounts in applications that work with CardFlight.            

The partnership "allows a person without a merchant account to sign up for a Stripe accounts and … be immediately linked to CardFlight," Webster says.

CardFlight also processes payments through First Data, WorldPay, TSYS and others.

CardFlight is currently in private beta and speaking to event ticketing, customer relationship management and charity fund-raising companies about the product, says Webster.

While Square revolutionized the payments space when it launched its mobile card-reader in 2010, the market has become saturated with similar products, including those like CardFlight that add capabilities beyond simple payment acceptance.

Intuit has the GoPayment mobile card reader, which integrates with its QuickBooks Point of Sale 2013 software. And PayPal created a PayPal Here to target the smallest merchants. 

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