Abstract: Payment acceptance transaction apparatus are standalone devices or associated with mobile devices running an application facilitating payment acceptance. Users indicate transaction preferences and a desire to accept payment from another party. Transaction apparatus receives payment data from the other party's device, such as by capturing data from a magnetic strip of a bank card using a strip reader or by receiving a wireless communication including payment data from the other user's mobile device or the cloud. Transaction apparatus receives an electronic signature for authenticating the other user. The transaction apparatus stores payment data and other transaction data for later upload and payment confirmation, or may immediately upload the payment and transaction data in order to receive payment verification from a payment processing server.