The mobile payments market is overrun with companies offering clip-on card readers in a variety of shapes and sizes. Tantrum Street is betting that it can offer the same service without any add-on hardware at all.

Tantrum's Cartwheel Register app uses a smartphone or tablet's camera to scan the consumer's card number to accept payments. "The consumer doesn't have to swipe a card," says William Cervin, Tantrum's CEO.

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