In the first part of this report we looked at the pros and cons of mobile-enabled websites versus custom-built apps for accepting mobile payments. But there's no point developing a mobile site or an app unless it's secure and safe to use.

SMEs should invest as much time and energy in ensuring the security of their mobile sites and apps as they do on protecting their website assets, says Jonathan Forde of Dublin-based online payment provider Realex Payments.

"Just because you're not on a website any more doesn't mean you can ignore having that [same] level of security because, obviously, if your site is unsecured, there's a risk of people stealing data from it, including credit card details," he says. "It's very important that the page you use to capture the credit card details on has security in place on it - whether that page is for your specific mobile web page or if it's just a version of your website that renders on a mobile phone or smartphone."