Essential Credit Card Processing Equipment

If you’re in business to be competitive, credit card processing should be a major part of your overall plan. There was a time when merchants accepted plastic as a courtesy to their customers, but those days are over. Today’s consumers expect to pay however they please — and they are increasingly choosing credit, debit and prepaid cards. Choosing the right credit card processing equipment and merchant account to handle them is critical.

At Merchant Express®, we offer a wide selection of credit card terminals, PIN pads, printers and software options from top names in the industry, and we have the expertise to help you choose the best solutions for your processing needs. We can walk you through the entire process, from setting up a merchant account and providing the equipment to following up with superior customer service and support on a 24/7 basis. We know how important being able to accept all payment cards securely, efficiently and cost effectively is to your business and your bottom line.

Credit Card Processing Terminals 

Countertop credit card processing terminals really deliver for merchants who conduct the bulk of their business in a face-to-face environment. These transactions are also known as card present because the cardholder and card are both present. They are the least risky credit card transactions and carry the lowest processing rates.

Today’s credit card terminals are compact in size, can handle credit, debit and prepaid cards, feature integrated printers and are Internet ready. Some terminals even support multiple merchant accounts, an invaluable feature for merchants who have more than one merchant account or share space with another business.

Credit card terminals use an integrated cardreader that collects card data. When paired with a PIN pad, the terminal can also be used to process PIN debit cards that require the cardholder to input their personal identification number. A printer is used to issue the customer’s receipt.

Mobile Applications

New credit card processing technology makes it possible to accept credit cards in the field wirelessly or with a mobile application like PayFox® from Merchant Express that relies on a free, downloadable app that transforms your iPhone into a mobile terminal. The optional USB cardreader qualifies all your transactions for low, card-present processing fees, and you simply email the receipt to your customer when the transaction is complete.

Like mobile credit card processing, wireless credit card terminals allow merchants to do business wherever and whenever the opportunity arises. These compact, lightweight terminals are extremely portable and ready to go to work for you at the touch of a button. Wireless terminals feature a built-in PIN pad, thermal printer and rechargeable battery. Service providers and mobile merchants are one step ahead of the competition with either mobile or wireless credit card processing solutions.

It’s important to note that all credit card processing terminals and applications must meet industry standards established in the Payment Card Industry Data Security Standards (PCI DSS). If your credit card processing equipment is not PCI compliant, you are more likely to fall victim to a catastrophic data breach and associated fallout, including fines and damage to your business reputation and finances.

All equipment and services offered by Merchant Express are PCI compliant, including our Web-based payment gateway Transaction Express™. We work with all our clients to achieve and maintain PCI compliance as a first line of protection for their businesses and their customers.

As a trusted credit card processor with over 15 years experience in the credit card processing industry, Merchant Express deals with the top hardware suppliers to put cutting-edge technology to work for you. Talk to us today about essential credit card processing equipment for your business.