If you have a smartphone -- be it an iPhone or an Android-powered phone -- you can use a portable card reader to take credit card payments anywhere you can get an Internet connection. Smartphone ...

First, set up your phone to use Apple Pay, Google Pay or Samsung Pay. Think of it like a digital wallet in your phone that replaces your physical wallet. It contains your debit or credit card number.

You can use it to send or request money with friends (kind of like Venmo), use it in apps to pay for things and use it at a store or restaurant with an Android phone or watch running Wear OS .

To set up Google Pay, you just need to download the app. Once it's installed, you can use Google Pay to pay for goods both online and in stores.