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Credit Card Processing

Credit Card Terminals

A credit card terminal is a type of a Point of sale (POS) terminal that can do transactions with a credit card. A couple of types of credit card terminals are available to merchants. Most have the same basic purpose

mobile credit card terminal

and functions. They allow a merchant to insert, swipe, or key in manually the required credit card information and transmit such data to the merchant service provider for authorization and then later on the transfer the fund to the merchant.

With a credit card terminal, a debit or credit card is all the customer needs to pay for goods or even withdraw cash at a merchant store. Electronic credit card terminal technology has become standard in supermarket and store checkout counters, but these machines are also widely used by banks and other organizations. In order to use a credit card terminal, a store may attach an existing cash register. However, mobile and wireless credit card terminal technology is also available.

Many people now routinely use credit cards to pay for all their transactions. However, there are certain laws and regulations which might limit their use. In certain countries or regions, for instance, banks charge customers for every debit or credit card transaction. In other cases, transactions fees are applied to merchants every time the credit card terminal is used.

Nearly all stores accept credit cards and to boost your business, you should too. A credit card virtual terminal is great for many businesses and for a multitude of reasons. When a phone line is not available or is unreliable, a virtual terminal credit card processing system is the ideal alternative choice. These machines use the internet to process credit cards and payments using your desktop, laptop, and even tablet if you're on the go.

Credit Card Machine | Machines For Credit Card Processing

 

A credit card machine is a type of machine that can do credit card transactions. A couple of types of credit card machines are available to merchants. Most have the same basic purpose and functions. They allow a merchant to insert, swipe, or key in manually the required credit card information and transmit such data to the merchant service provider for authorization and then later on the transfer the fund to the merchant.

Most new models not only process credit and debit cards but can also handle gift cards, checks and so on. The majority of card machines transmit data over a standard telephone line or an Internet connection (either wired or wireless). Some also have the ability to cache transactional data and transmit the data to the gateway processor when a connection becomes available; immediate authorization is not available at the time the card was processed which can subsequently result in failed payments. Remote wireless machines can transmit card data using either cellular or satellite networks.

credit card machines

Retail Merchants have largely moved to using credit card machines to directly capture swiped card information instead of manually entering in card details. This provides an efficiency benefit of decreased transaction processing times. Previously, merchants could obtain lower processing costs by processing chip cards instead of magstripe cards.
Key functionality of a card machine

Modern card machines have multiple features. Depending on the needs of the merchant and the type of transactions processed by the card issuing bank, key operations and functions include:

Acceptance of credit, charge, and debit cards (both domestic and foreign, however foreign cards might have higher processing costs)
Key Entry (for Customer Not Present mail and telephone order)
Tips / Gratuities
Refunds and Adjustments
Settlement (including Automatic)
Pre-Authorisation
Remote Initialisation and Software update
POS Integration
Multi-merchant Capabilities
Pen or PIN authorization by the customer
Surcharge Function
Secure Password Operation

Manufacturers

Ingenico
VeriFone
Hypercom
Vivotech

credit card machine

What Happens At the Point of Sale

When a merchant swipes a credit card or debit card through a credit card machine at the stores the information from the magnetic stripe on the back of the card to be read. The machine will transmit the credit card data (Name, address, account number etc.) to the bank that issued the card in order to verify that the account exists. If there is enough credit or cash in the account to cover the sales transaction, the issuing bank generates an authorization code, and then places a hold on the cardholder's account for the amount of the sale.

merchant-account-service

Hypercom T4205 Credit Card Terminal

Note: Hypercom is now EQUINOX

We now offer the Equinox Credit Card Terminals and no longer offer Hypercom Terminals.

http://cdn6.bigcommerce.com/s-bdouqn8/product_ima/uploaded_ima/equinox-l5300-data-sheet-1.jpg?t=1422942568

 

If you have any questions about any credit card terminals or payment gateway processing feel free to call us at 1-800-757-5453.

firearms payment processing

 

Why settle for a dial terminal that limits your business? The Hypercom T4205 is everything your business needs, and nothing it doesn't. The Hypercom T4205 is built on the extremely successful T4200 platform, you are assured a terminal that will offer your business ease of use, simple integration and trouble-free years of credit card processing.

The Hypercom T4205 credit card terminal combines simple workhouse features with racehorse pace utilizing its modem dial out. It supports value added applications such as check conversion with guarantee or our gift/loyalty card program. The thermal printer handles customizable text and graphics at 18 lines per second, the industry leading rate!

Witness the Hypercom T4205 in action and you'll wonder what you've been waiting for!

Features:
• Dial capability for fast transaction flow
• Intel XScale 32-bit processor - Quickest Transactions
• Rapid Configuration - Minimum keystroke setup
• Security standard - Fast, secure PIN entry
• Multi Merchant Capable - Up to 20 accounts
• Supports value added applications, Check Conversion, Gift Cards, PayPass

Perfect for:
Salons
General Retail
Kiosks
Carry Out, Gas stations
Discount Outlets
Department Stores
Restaurants and Coffee Shops
Grocery stores
Day Care
Cinemas and Theaters
Hotel/Motel/Lodging
Boutiques
Building Materials
Auto Repair
Medical Office or Clinic
Government Office
Any business who need the capability of accepting cards!

 

Internet Commerce Merchants

We are a world leading consultant group for hard to acquire and low risk merchants. We specialize in hard to acquire accounts, or merchants looking for a service above the normal offerings from traditional merchant accounts.

Retail Merchants

From the basic Hypercom T7 terminal, to fast IP enabled terminals, to USB based computer card readers (with QuickBooks compatibility), and wireless terminals, we can provide the correct equipment for your swiped transactions.

Mobile Merchants

We can support a wide range of mobile devices, from the iPhone to the iPad, to BlackBerrys and Androids. Please speak with an account manager for details on the best solution for your business.

merchant-account-service

 

 

firearms payment processing

VeriFone Taking Aim At Square

When Square Inc. launched its mobile card reader in 2009, VeriFone Systems Inc. was on its heels with PayWare Mobile. Now the terminal maker's ready to roll out another rival to Square with a product it calls Sail.

Whereas VeriFone designed PayWare Mobile for use off the shelf, it designed Sail for small businesses with technical savvy. It plans to offer Sail with open-source software that developers can adapt to work with merchants' inventory software.

Merchants also may use Sail as is, just like VeriFone's earlier product. Square similarly designed its product for merchant use right out of the box.

Developers will be able to register with San Jose, Calif.-based VeriFone to receive programming interface tools. By the end of the year, Sail will work with several different advertising platforms and smartphone apps.

"Square did a great job in showing everyone there is a micromerchant market," says Greg Cohen, senior vice president and general manager with the SMB Commerce group at VeriFone. "But Square only works with Square [software]; "¦ ours is open to develop other applications on top of it, or inside our application."

Other payment companies, such PayPal and the major card brands, offer developers toolkits to better integrate their payment products.

VeriFone is "playing catch-up baseball in a market that is now crowded by Square, PayPal" and others, says Brian Riley, a senior research director in the bank cards practice at CEB TowerGroup. "It's a play that they have to make, and they are definitely making it late in the game."

Since Square's launch, VeriFone has criticized the rival product. Its most blatant broadside was a website it made dedicated to the idea that Square's reader could be adapted to work as a skimming device. Square endured the attack and reportedly has worked to improve its device's security.

Sail is the first product to come out of VeriFone's roughly five-month-old SMB Commerce group. Cohen joined VeriFone about six weeks ago.

VeriFone has a better shot at success with Sail than with PayWare Mobile, says Rick Oglesby, a senior analyst at Aite Group.

"Their previous strategy was to work with traditional merchant acquirers who weren't focused at targeting micromerchants, so there was a bit of a mismatch between the product and the channel," he says. "This is a step forward because they are now matching their products and their channels."

 

firearms payment processing

Hypercom L5300 Credit Card Terminal

Large color screen allows for both sgnature capture and in-line advertising campaigns

Hypercom L5300 Payment Terminal

Hypercom's L5300 payment terminal features a 400 MHz, 32-bit processor for fast transactions, and supports streaming or pre-loaded video clips. With its large capacity memory of 128MB standard (256MB optional) and a MicroSD memory expansion slot, the L5300 securely accepts value-added applications to meet your needs now and in the future.

 

The L5300 has an 18-bit (256K) color, full VGA (640 x 480 resolution), large LCD display, integrated capacitive glass touch screen, audio and video capabilities, and electronic signature capture. This allows the L5300 to easily support interactive marketing programs and in-line advertising campaigns. All of this packaged in a small footprint and light-weight design.

 

The L5300 includes an integrated keypad with a non-removable rubberized privacy shield. Raised characters on keys were designed to address the needs of the visually impaired. An audio jack also allows for audible prompting using head phones to help meet Section 508 requirements.

 

Hypercom's commitment to security does not stop with the meeting of payment security compliance requirements. The L5300 comes standard with an encrypting magnetic stripe reader (MSR), ensuring the card data is automatically encrypted as cards are swiped, thus protecting sensitive card information during the transaction process. Each device has a full X509 public key infrastructure, allowing retailers to protect their applications from hacking and preventing all malware attacks.

 

Approvals

Security Features

Credit Card Processing

Accepting credit and debit card payments is essential for businesses in today's environment. Whether you are just opening your business or an established operation, accepting card payments allows you to give customers the choice and convenience of paying with their preference of cards or other forms of electronic payment.
By accepting electronic payments at your business, customers are not limited to a single form of payment and can use their credit or debit card to purchase, more items than just what can be purchased with the cash in their wallets. Accepting electronic payments also streamlines the check out process and reduces the time a customer stands in line.

 

merchant-account-service

 

firearms payment processing

Check Reader - Check Imagers

Featured Check Readers and Imagers

 

Featured Card Reader

MagTek mini card readers provide a low cost solution for swiped card transactions using your PC solution. Powered through the keyboard port, a dual color LED light indicates accuracy in performance. Multiple port options are available: USB, Wedge, RS-323, and TTL.

 

 

MICR Check Readers

 

firearms payment processing

Debit Card Pin Pads

There are several debit card pin pads on the market. Pin pads include products from VeriFone, Hypercom and Nurit. If there isn't a debit card pin pad on this list there's a good chance we can get it for you.

 

With the Nurit 202 PIN Pad you can accept debit card transactions. The Nurit 202 PIN Pad is secure and easy to use, and will give you more satisfied customers.

The Nurit 202 PIN Pad gives you the power to provide protected debit/credit

nurit 202

transactions for your customers. Lipman's new Nurit 202 PIN pad has an easy to use hand-held design, keypad, and simple one-to-two line instructional prompts. The unit also supports the Derived Unique Key Per Transaction (DUKPT) to enhance security and management.

For security purposes, all pin-pads need to be encrypted by your merchant account provider. We will handle this service, free of charge, for all of our merchants. If you are currently using another processor, you will need to contact them once you receive the product. You can call us at 1-800-757-5453 and we can look up your pin pad serial number to verify it meets all the current security standards.

  The Hypercom P1300 PIN pad is an affordable alternative that allows you to start accepting debit cards. Get the Hypercom P1300 PINpad with a Low Price Guarantee. The Hypercom P1300 PCI-approved PIN entry device is designed to meet the

Hypercom P1300 PIN pad

PCI-PED security standards for PIN entry, providing merchants with low-cost migration to newly imposed security guidelines. The Hypercom P1300 is compatible with all Hypercom product families and features flexible communications options for rapid integration with electronic cash register (ECR) systems.For security purposes, all pin-pads need to be encrypted by your merchant account provider. Merchant Warehouse will handle this service, free of charge, for all of our merchants. If you are currently using another processor, you will need to contact them once you receive the product. 

 

Accept debit cards securely with the 252 PIN Pad. Practical design and sophisticated security features make the Nurit 252 PIN Pad a safe choice for your business.

The Nurit 252 PIN Pad gives you the power to provide protected debit/credit Nurit 252 PIN Padtransactions for your customers. The Nurit 252 PIN pad has an easy to use hand-held design, keypad, and simple one-to-two line instructional prompts. The unit also supports the Derived Unique Key Per Transaction (DUKPT) to enhance security and management.

For security purposes, all pin-pads need to be encrypted by your merchant account provider. Merchant Warehouse will handle this service, free of charge, for all of our merchants. If you are currently using another processor, you will need to contact them once you receive the product.

Let your customers pay with their debit cards with the VeriFone PIN Pad 1000. With great value and convenient solutions, the VeriFone PINPad 1000 is a safe pick.

The VeriFone PIN Pad 1000 is the answer for all of your PIN-based transaction needs.

verifone 1000

The 8-character display allows your customers to enter their PINs carefully and confirm the purchase total. Your customers will appreciate the convenience of using their debit or ATM cards.

For security purposes, all pin-pads need to be encrypted by your merchant account provider. Merchant Warehouse will handle this service, free of charge, for all of our merchants. If you are currently using another processor, you will need to contact them once you receive the product.

 

BankPoint II is the smart way to add PIN entry to merchants' transaction processing portfolios. A secure, easy-to-use and VISAÂ PED certified PIN pad, BankPoint II fulfills the business needs of both merchants and cardholders.

The device fits comfortably in the palm of the hand for confidential data entry, and its

linkpoint bankpoint pin pad

widely spaced keys reduce errors. With an easy-to-read, two-line display, BankPoint II shows transaction data at a glance.

For security purposes, all pin-pads need to be encrypted by your merchant account provider. We will handle this service, free of charge, for all of our merchants. If you are currently using another processor, you will need to contact them once you receive the product.

 

Credit Card Terminal with Build In Pin Pad

Why settle for a dial terminal that limits your business? The T4205 is everything a merchant needs, nothing they don't. Since the T4205 is built on the extremely successful T4200 platform, your existing certified business applications for T4200 family terminals will run on the T4205 without any modifications. That's right! No re-certification is needed to take immediate advantage of the economically priced and full featured T4205.

T4205 comes standard with 24MB of total memory, an ARM9 processor for fast transactions and multi-application support. The T4205 is also PCI PED approved so

T 4205

that you can support debit with or without an external PIN pad. No better value exists for sensibly upgrading your install base to PCI PED compliance. You can also accept chip card transactions with the optional EMV-approved reader.

Features of Countertop /Optimum T4205

Extended Features of Countertop /Optimum T4205

Simple, Easy-To-Use Features

Fast, Time-Saving Performance

High Value

Industries & Applications of Countertop /Optimum T4205

Approvals for Countertop /Optimum T4205

Credit Card Terminal + Built-in Printer & Pin Pad

Our Credit Card Terminal + Built-in Printer is Easy to use. It offers Ease, Speed, and Security on all your Credit Card Transactions. Your Credit Card Terminal will Print "you" and your "Customer" a copy of the transaction with its high speed thermal printer in seconds. It even prints a detail report at the end of the day. Detail & Batch Total.

 

firearms payment processing

Nurit 8020 Wireless Terminal

Nurit 8020 Wireless Terminal

The NURIT 8020 is the most powerful all-in-one handheld wireless payment terminal available today. It is the ideal solution for businesses seeking the most effective way to Nurit 8020 Wireless Terminalcomplete credit card transactions off-site and boasts a wide range of payment services. The NURIT 8020 supports credit and debit transactions and is also equipped with an internal pinpad, smart card reader and an easy-to-load high-speed thermal printer.

PERFECT SOLUTION FOR MERCHANTS ON THE GO

The NURIT 8020 is the perfect payment terminal for all of your mobile transaction needs. The 8020 is a lightweight, handheld wireless device that works on the reliable Cingular GPRS network, allowing you to bring your products and services directly to your customers no matter where they are. The 8020 can also be combined with a headset in order to double as a cell phone, offering both voice and data transfer in real time.

IMPRESSIVE CAPABILITIES

The NURIT 8020 features multi-application support, a large, back-lit graphical LCD display and an 18 button ergonomically designed back-lit keypad with programmable quick keys. The 8020 can also be enhanced with many additional features, including a touch screen for electronic signature capture, a docking station for a battery recharge and up to 6 MB of additional memory.

ADD THIS ADVANCED WIRELESS PAYMENT TECHNOLOGY TO YOUR BUSINESS TODAY

The NURIT 8020's wireless functionality and dependability cannot be matched by any other wireless terminal. The 8020 is one of the most flexible terminals on the market today and its diverse features, simple to use graphical interface and compact size make it an ideal all-in-one terminal for any business. Contact us today and add the power of wireless credit card processing to your location today!

firearms payment processing

Blue Tooth Credit Card Reader

The Blue Tooth Credit Card Reader is a self-contained wireless data collection system for capturing the information stored on cards with magnetic stripes, and is currently the smallest wirless portable reader in the world. It can store the data from tracks 1, 2 and 3 in Blue Tooth Credit Card Readerits internalnon-volatile memory for later downloading to a PC via bluetooth or USB. A timestamp is also stored alongside the data. It features an internal rechargeable LithiumIon battery, which is recharged using the mini usb cable.Applications include time and attendance tracking in classrooms or jobsites labour tracking as well as contact management and leadretrieval for trade shows and conferences.

The MINIDX4B is equipped with a 512K Byte internal memory chip, which canstore two thousand complete track 1, 2 and 3 swipes before needing to be emptied, after which it can resume operation. Interface specifications are available to qualified developers wishing to integrate the mini series of portable readers into existing software.

The self-contained Bluetooth tm wireless interface allows the MINIDX4B to transmit data to a remote computer or peripheral, either in real-time or in batch mode. This includes not only any Bluetooth equipped PC, butalso our CMP wireless printer or standalone sideKick Bluetooth interface.

Features

Fast Charge Card Present Virtual Terminal with MAGTEK Card Reader

Now you can process retail POS transactions and take advantage of reduced card present merchant account transaction fees using our Virtual POS (VPOS) and an inexpensive credit card swipe reader attached to your PC. No software Blue Tooth Credit Card Readerinstallation is required, and no dedicated credit card terminal needs to be installed.

Fast Charge VPOS allows you to process real time credit card transactions using your existing computer with an Internet connection.

Advantages:

What do I need to start processing card present transactions?

  • A computer with an Internet browser (Internet Explorer or Netscape)
  • An Internet connection, preferable full-time (for example, Cable or DSL)
  • A merchant account that is configured for card present (retail) transactions
  • A credit card swipe reader

To start getting card present transaction rates, you will need to swipe the customers credit card at the time of sale. Swipe card readers are simple devices that attach to your computer via USB, serial port, or keyboard wedge (attaches between your keyboard and your computer).

Fast Charge Compatible Hardware List

Credit Card Swipe Readers Compatible Hardware List
Mfg Model Part Number Product Type Expiration Date Description
IDTECH Keyboard Wedge 3341xxxx Not PCI PED Expired VersaKey Compact keyboard features 103/104 keys and an integrated magnetic stripe card reader for maximum user productivity.
IDTECH Mini-Mag Duo IDMB-354133BM
IDMB-354112BM
Not PCI PED Expired A unique dual-head design reduces the confusion at the point of swipe by accepting cards being swiped regardless of the magnetic stripe orientation.
MAGTEK Keyboard Wedge 21080205
21080206
21080203
21080204
21080201
21080202
21080021
21080058
21080057
21080020
21080141
PED 4/30/2014 Powered by the keyboard port - no external power supply needed. Low cost, small size. Single, dual or three track capability
MAGTEK USB 21040109
21040110
21040107
21040108
PED 4/30/2014 Powered by USB (No external power supply required). Low cost, small size. Single, dual or three track capability
MAGTEK IntelliPIN RS232 30015119
30015120
PED 4/30/2014 Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading.
MAGTEK Mini MICR USB 22532005
22532001
22533003
22533001
PED 4/30/2014 The Mini MICR enables retailers to easily format the data to match any application input requirements.
MAGTEK MICRImage RS232/USB 22410002
22410003
PED 4/30/2014 Supports check reading (MICR) for check conversion as well as standard credit card swipe reading.
CHERRY MultiBoard G81-7000 G817000LPBUS0
G817000LPDUS2
Not PCI PED Expired Programmable keyboard with integrated magnetic card reader.
INGENICO i3070 3070US0293 PED 4/30/2014 The Ingenico 3070 is a PCI PED approved, multi function, programmable PIN Pad with smart card and magnetic card readers.
VERIFONE Vx810 M28150302R PED 4/30/2014 The Vx 810 offers retailers all they want in a PIN pad. Its a whole new kind of PIN pad that's fully loaded and future-proof. Its highly reliable, remarkably modular and exceptionally user-friendly.
VERIFONE SC 5000 M10843YA0USA Not PCI PED Expired Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading. Connects to the serial port on your PC.
PIN-based Debit Compatible Hardware List
Mfg Model Part Number Product Type Expiration Date Description
MAGTEK IntelliPIN RS232 30015119
30015120
Not PCI PED 4/30/2014 Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading. Connects to the serial port on your PC.
MAGTEK IntelliPIN USB 30015160
30015161
Not PCI PED 4/30/2014 Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading. Connects to the USB port on your PC.
MAGTEK IntelliPIN Wedge 30015121
30015122
Not PCI PED 4/30/2014 Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading. Connects to the keyboard cable on your PC.
MAGTEK IntelliPIN SPT USB 30037385 Not PCI PED 4/30/2014 The IntelliPIN SPT (Swipe and Park Technology) is the latest secure, encrypting PIN pad from MagTek. Designed with our Swipe and Park technology, the IntelliPIN SPT reads magnetic stripe cards and smart cards in a single swipe/insert motion.
INGENICO i3070 3070US0293 PED 4/30/2014 The Ingenico 3070 is a PCI PED approved, multi function, programmable PIN Pad with smart card and magnetic card readers.
VERIFONE SC 5000 M10843YA0USA Not PCI PED 4/30/2014 Supports PIN entry for PIN-based debit cards as well as standard credit card swipe reading. Connects to the serial port on your PC.
Check Reader Compatible Hardware List
Mfg Model Part Number Product Type Expiration Date Description
MAGTEK Mini MICR USB 22532005
22532001
22533003
22533001
PED 4/30/2014 The Mini MICR enables retailers to easily format the data to match any application input requirements.
MAGTEK MICRImage RS232/USB 22410002
22410003
PED 4/30/2014 Supports check reading (MICR) and imaging for check conversion. Connects to the serial port or USB port on your PC.
RDM EC6000i 6000-7501
6000-7501
6000-7502
6000-7504
6000-8228
6000-7702
6000-7714
6000-7704
6000-7701
6000-7112
6000-7111
6000-7114
6000-7102
6000-7101
N/A N/A Check reader and imager. Optional franking feature available to print "Void" on the checks after scanning. Connects to the serial port on your PC.
PANINI My Vision X VX 1001FFIJ N/A N/A Check scanner designed to read the check MICR line, capture the front and back of the check, and print customized endorsement information.
DIGITAL CHECK TellerScan TS215
TS230
14900002
14800002
N/A N/A Check reader and imager. Connects to the serial port on your PC.

payment processing
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Electronic Transfer, Inc. is a Registered ISO/MSP of Westamerica Bank, Santa Rosa, CA.

Electronic Transfer, Inc. offers merchant accounts and credit card processing to accept Credit Cards. ETI has helped merchants with their Credit Card Processing since 1989 - This web page is about Merchant Accounts, Hypercom, Credit Card Processing, Virtual Terminals, Card-Swipe Terminals, VeriFone, Website Payment Processing, Secure Gateway, Wireless Credit Card Terminals and iPhone Credit Card Systems.