Abstract: An apparatus for commercial transactions using a transaction card via a communication device in audio communication with a remote processor assembly is provided. The apparatus comprises an input device for capturing information from the transaction card, a controller for converting the captured card information into an audio signal. The controller is linked to the communication device. The apparatus may also be part of an assembly wherein this controller is part of the communication device. The remote processor assembly includes a transaction server linked to a remote processor/issuer for validating the transaction card data. A system including this apparatus, the communication device and the transaction server is also provided. Methods therefore are also disclosed.