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Retail - Face to Face
Retail - Face to Face
Face-to-face merchant processing (also called card-present transactions) is when a customer physically presents their credit or debit card at your business location to pay for goods or services. It’s the most secure and cost-effective method of accepting payments, thanks to real-time verification.
Face-to-face merchant processing (also called card-present transactions) is when a customer physically presents their credit or debit card at your business location to pay for goods or services. It’s the most secure and cost-effective method of accepting payments, thanks to real-time verification.
Top 5 Benefits of Our Retail - Face to Face Processing
How It Works
Card is Inserted, Tapped, or Swiped The customer uses a credit/debit card or mobile wallet (like Apple Pay or Google Pay) on your payment terminal. Terminal Sends Info to Processor The terminal encrypts and sends the transaction details to your merchant processor. Authorization Request The processor contacts the cardholder’s bank (via card networks like Visa, Mastercard, etc.) to check if funds are available. Approval or Decline The bank responds with an approval or decline—usually within 1-3 seconds. Receipt and Confirmation A receipt is printed or sent digitally. Funds are usually deposited to your business account within 1–2 business days.
Types of Cards Typically Used
Visa Mastercard American Express Discover Debit Cards Prepaid Cards Contactless Wallets (Apple Pay, Google Pay, Samsung Pay)
Why It Matters
Lower Processing Fees than online or keyed-in transactions Faster Funding Times EMV Chip + Contactless = Fraud Protection & PCI Compliance Better Customer Experience with instant checkout Eligibility for Retail Pricing Tiers, which are more competitive than e-commerce or MOTO (Mail Order/Telephone Order) rates
Equipment You’ll Need
EMV-compliant terminal (chip and contactless capable) POS system or mobile reader (for mobility and inventory integration) Secure payment processor (to handle authorization, batching, and funding)
Security Benefits
EMV chip technology reduces fraud liability Point-to-Point Encryption (P2PE) and Tokenization secure sensitive data PCI DSS Compliance keeps your business safe from data breaches
How it Works
Customer Initiates Payment: Customer inputs card or payment details (e.g., Visa, Apple Pay) on your site/app. API Sends Payment Request: The Payment API collects the data and sends it (encrypted) to the Payment Gateway. Gateway Communicates with Processor: The gateway passes info to the Payment Processor (e.g., First Data, Stripe, WorldPay). Processor Contacts Issuing Bank: The card’s issuing bank is contacted to check: Validity Sufficient funds Fraud detection Approval or Decline Returned: If approved, a transaction ID is sent back. If declined, a code is returned explaining the issue. Settlement: Funds are eventually transferred (typically in 1–2 business days) from the customer’s account to the merchant’s merchant account or bank account.
Shopping Cart Plugins
Our shopping cart plugins make it easy to connect secure payment processing to your existing e‑commerce platform. With simple installation, you can accept credit cards, debit cards, and digital wallets directly from your site’s checkout page. We support popular platforms like WooCommerce, Shopify, Magento, and more—keeping transactions seamless, fast, and fully PCI‑compliant.
Secure Vault
Our Secure Vault stores your customers’ payment details in an encrypted, PCI‑compliant system—so sensitive data never lives on your servers. Tokenization replaces card numbers with secure codes, allowing you to process future transactions or recurring payments without re‑entering information. It’s a safe, convenient way to protect data, reduce fraud risk, and build customer trust.
Card Updater
Our Card Updater keeps your customers’ stored payment details current by automatically updating expired, reissued, or replaced cards. This reduces failed transactions, protects recurring revenue, and minimizes the need for manual outreach. It’s a simple way to keep subscriptions, memberships, and repeat billing running smoothly without interruptions.
Virtual Terminal
Our Virtual Terminal lets you accept payments from any device with an internet connection—no physical card reader required. Simply log in, enter your customer’s payment details, and process transactions instantly. It’s perfect for phone orders, invoices, or remote sales, with full encryption and PCI compliance to keep data secure.
How it Works
Customer Initiates Payment: Customer inputs card or payment details (e.g., Visa, Apple Pay) on your site/app. API Sends Payment Request: The Payment API collects the data and sends it (encrypted) to the Payment Gateway. Gateway Communicates with Processor: The gateway passes info to the Payment Processor (e.g., First Data, Stripe, WorldPay). Processor Contacts Issuing Bank: The card’s issuing bank is contacted to check: Validity Sufficient funds Fraud detection Approval or Decline Returned: If approved, a transaction ID is sent back. If declined, a code is returned explaining the issue. Settlement: Funds are eventually transferred (typically in 1–2 business days) from the customer’s account to the merchant’s merchant account or bank account.
Shopping Cart Plugins
Our shopping cart plugins make it easy to connect secure payment processing to your existing e‑commerce platform. With simple installation, you can accept credit cards, debit cards, and digital wallets directly from your site’s checkout page. We support popular platforms like WooCommerce, Shopify, Magento, and more—keeping transactions seamless, fast, and fully PCI‑compliant.
Secure Vault
Our Secure Vault stores your customers’ payment details in an encrypted, PCI‑compliant system—so sensitive data never lives on your servers. Tokenization replaces card numbers with secure codes, allowing you to process future transactions or recurring payments without re‑entering information. It’s a safe, convenient way to protect data, reduce fraud risk, and build customer trust.
Card Updater
Our Card Updater keeps your customers’ stored payment details current by automatically updating expired, reissued, or replaced cards. This reduces failed transactions, protects recurring revenue, and minimizes the need for manual outreach. It’s a simple way to keep subscriptions, memberships, and repeat billing running smoothly without interruptions.
Virtual Terminal
Our Virtual Terminal lets you accept payments from any device with an internet connection—no physical card reader required. Simply log in, enter your customer’s payment details, and process transactions instantly. It’s perfect for phone orders, invoices, or remote sales, with full encryption and PCI compliance to keep data secure.