{"title":"Credit Card Payment Processing","description":"\u003ch3\u003e\u003cstrong\u003eWhat is a Merchant Account?\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003eA \u003cstrong\u003emerchant account\u003c\/strong\u003e is a type of bank account that allows businesses to accept payments via credit and debit cards. It is a fundamental part of the payment processing system, facilitating the transfer of funds from your customer’s card to your business's account.\u003c\/p\u003e\n\u003cp\u003eIn simple terms, a \u003cstrong\u003emerchant account\u003c\/strong\u003e acts as a middleman, temporarily holding the funds from card payments before they are deposited into your business's regular bank account. It is necessary for businesses that want to process card payments securely and efficiently.\u003c\/p\u003e\n\u003ch3\u003e\u003cstrong\u003eWhy Do You Need a Merchant Account for Your New Store?\u003c\/strong\u003e\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eAccept Credit\/Debit Cards\u003c\/strong\u003e: Without a merchant account, you can't process payments from customers using credit or debit cards, which are widely used today. This means you'll miss out on a large portion of potential sales.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eSecure Payment Processing\u003c\/strong\u003e: A merchant account provides secure payment processing, ensuring that both you and your customers are protected from fraud. It complies with \u003cstrong\u003ePCI DSS\u003c\/strong\u003e (Payment Card Industry Data Security Standard) to keep transactions safe.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eConvenience and Efficiency\u003c\/strong\u003e: A merchant account allows you to streamline your sales and transaction processes, making it easier to accept payments at the \u003cstrong\u003ePOS (Point of Sale)\u003c\/strong\u003e terminal, via \u003cstrong\u003eonline sales\u003c\/strong\u003e, or through mobile payments.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eFlexibility in Payment Methods\u003c\/strong\u003e: With a merchant account, you can accept a variety of payment methods, including credit cards, debit cards, mobile wallets (like Apple Pay or Google Pay), and even installment payments, if offered.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003e\u003cstrong\u003eWhat is the Process for Credit Card Payment Processing with Your Point of Sale (POS) Software?\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003eThe process of credit card payment processing involves several steps:\u003c\/p\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eCustomer Makes a Payment\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eThe customer swipes, dips, or taps their \u003cstrong\u003ecredit card\u003c\/strong\u003e (or uses another method like mobile wallets) at the \u003cstrong\u003ePOS terminal\u003c\/strong\u003e.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf it's an online transaction, they enter their card details on the payment gateway page.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eAuthorization Request\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eThe \u003cstrong\u003ePOS system\u003c\/strong\u003e sends an \u003cstrong\u003eauthorization request\u003c\/strong\u003e to the \u003cstrong\u003emerchant account provider\u003c\/strong\u003e (usually a payment processor like Stripe, Square, or your bank) to verify that the customer has sufficient funds or credit.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eVerification and Approval\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eThe payment processor sends the request to the customer’s bank (the \u003cstrong\u003eissuing bank\u003c\/strong\u003e) for approval. The bank checks if the customer’s card is valid and if there are enough funds available.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eIf everything checks out, the payment is approved, and the customer’s bank sends an \u003cstrong\u003eapproval code\u003c\/strong\u003e back to the POS system.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eAuthorization and Hold\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eThe approved amount is \u003cstrong\u003eheld\u003c\/strong\u003e by the issuing bank, and a transaction confirmation is sent to your POS system.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eA receipt is generated for the customer, and the transaction is processed in the system.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eFunds Transfer\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eAfter the authorization, the payment processor completes the transaction and \u003cstrong\u003etransfers the funds\u003c\/strong\u003e from the issuing bank to your \u003cstrong\u003emerchant account\u003c\/strong\u003e. This can take a few hours to a couple of days, depending on the processor and type of transaction.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eSettlement\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eAt the end of the business day (or according to your settings), the processor settles all approved transactions, transferring the funds from your merchant account into your business’s \u003cstrong\u003ebank account\u003c\/strong\u003e. This process is called a \u003cstrong\u003esettlement\u003c\/strong\u003e.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003e\u003cstrong\u003eHow Do I Get My Money, When, and What Are the Costs?\u003c\/strong\u003e\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eGetting Your Money\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eOnce the payment is processed, your \u003cstrong\u003emerchant account\u003c\/strong\u003e will hold the funds temporarily. After the transaction is settled, the funds are transferred from your merchant account to your \u003cstrong\u003ebusiness bank account\u003c\/strong\u003e.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003eTypically, this happens \u003cstrong\u003e1-3 business days\u003c\/strong\u003e after the transaction is processed, though some payment processors may offer \u003cstrong\u003enext-day deposits\u003c\/strong\u003e for an extra fee.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eCosts Associated with Merchant Accounts\u003c\/strong\u003e: Merchant accounts come with a few types of fees. These vary depending on the provider, but common fees include:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eSetup Fee\u003c\/strong\u003e: Some providers charge a one-time fee for setting up the merchant account, although many are waived or included in the service.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: Typically \u003cstrong\u003e$0 - $500\u003c\/strong\u003e.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eTransaction Fees\u003c\/strong\u003e: This is the fee you pay each time a customer makes a payment. It usually includes a \u003cstrong\u003epercentage\u003c\/strong\u003e of the transaction amount, plus a fixed fee per transaction.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: Typically \u003cstrong\u003e1.5% - 3.5%\u003c\/strong\u003e of the transaction amount + \u003cstrong\u003e$0.10 - $0.25\u003c\/strong\u003e per transaction.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eMonthly Fees\u003c\/strong\u003e: Some providers charge a monthly fee for using their services.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: Typically \u003cstrong\u003e$10 - $50\u003c\/strong\u003e per month, depending on the service plan.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eChargeback Fees\u003c\/strong\u003e: If a customer disputes a charge, the payment processor may charge you a fee.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: Typically \u003cstrong\u003e$20 - $40\u003c\/strong\u003e per chargeback.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eEarly Termination Fees\u003c\/strong\u003e: If you cancel your contract with the merchant account provider before the agreed-upon term, you might face a penalty.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: \u003cstrong\u003e$100 - $500\u003c\/strong\u003e.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003ePCI Compliance Fees\u003c\/strong\u003e: You may need to pay for compliance with PCI DSS standards.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eCost: Typically \u003cstrong\u003e$10 - $50\u003c\/strong\u003e per month.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eOther Potential Costs\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003ePayment Gateway Fees\u003c\/strong\u003e: If you’re processing payments online, you may need to use a \u003cstrong\u003epayment gateway\u003c\/strong\u003e, which could have additional fees for each transaction.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eHardware Costs\u003c\/strong\u003e: If you need POS hardware (e.g., card readers, terminals, receipt printers), these can add to your startup costs.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003e\u003cstrong\u003eHow Can I Save Money on Merchant Account Fees?\u003c\/strong\u003e\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eCompare Payment Processors\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eShop Around\u003c\/strong\u003e: Different payment processors offer different pricing models and fee structures. For example, some processors may charge flat fees, while others charge based on volume or transaction type.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eNegotiate\u003c\/strong\u003e: If you're processing large volumes, you might be able to negotiate better rates with the payment processor.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eChoose the Right Pricing Model\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eInterchange Plus\u003c\/strong\u003e: This is a transparent pricing model where you pay the cost of the card transaction (interchange fees) plus a fixed markup. This may be a better option for businesses with high volumes of transactions.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eFlat-Rate Pricing\u003c\/strong\u003e: This pricing model charges a single, predictable fee per transaction, making it easier for small businesses to budget.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eConsider a POS with Integrated Payment Processing\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eSome POS systems, like \u003cstrong\u003eSquare\u003c\/strong\u003e or \u003cstrong\u003eShopify POS\u003c\/strong\u003e, offer integrated payment processing at \u003cstrong\u003elow or no fees\u003c\/strong\u003e. These options can help save money on third-party payment processors and often include free or low-cost hardware.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eAvoid Chargebacks\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eChargebacks can be costly, so it's important to handle transactions securely, provide clear receipts, and resolve customer issues quickly to avoid disputes.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eBatching Transactions\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eSome providers charge transaction fees each time an individual sale is processed. \u003cstrong\u003eBatching transactions\u003c\/strong\u003e (settling multiple transactions in one go) may help you save on fees.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eKeep Your Monthly Fees Low\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eChoose a provider with no or low monthly fees, and avoid unnecessary features you don’t need. Many POS systems have plans with no monthly fees for smaller operations.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cp\u003e\u003cstrong\u003eChoose Low-Cost Hardware\u003c\/strong\u003e:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cp\u003eSome POS systems come with \u003cstrong\u003efree or low-cost card readers\u003c\/strong\u003e and other hardware. For example, \u003cstrong\u003eSquare\u003c\/strong\u003e and \u003cstrong\u003eSumUp\u003c\/strong\u003e offer free card readers with their payment processing services.\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003e\u003cstrong\u003eConclusion\u003c\/strong\u003e\u003c\/h3\u003e\n\u003cp\u003eHaving a \u003cstrong\u003emerchant account\u003c\/strong\u003e is crucial for processing credit and debit card payments at your new store. It allows you to accept customer payments securely and ensures funds are transferred to your business account. The \u003cstrong\u003epayment processing process\u003c\/strong\u003e involves authorization, verification, and settlement of funds, with \u003cstrong\u003efees\u003c\/strong\u003e like transaction costs, monthly fees, and chargebacks potentially impacting your bottom line. By comparing providers, choosing the right pricing model, and optimizing your setup, you can save on costs and maximize your store's profitability.\u003c\/p\u003e","products":[{"product_id":"netepay-credit-card-payment-processing","title":"NETePay Credit Card Terminal Software","description":"\u003cp\u003eRequires new merchant account activation with PointOfSalePOS\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eWith solutions for both American and Canadian businesses. NETePay is an all-in-one payment processing service. Merchants can choose to set up the service to work with hundreds of POS software systems and business management applications, with a partner program that makes its application easy to integrate. Merchants have access to some of the best payment gateways, ensuring data is secure and compliant with regulations. Requires new merchant account application, contract activation through PointOfSalePOS.com\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003eNETePay \u003c\/span\u003esupports hundreds of point-of-sale (POS) software systems and business management applications in a variety of verticals such as Retail, Restaurant, Accounting, Hospitality, Beauty Salon, Campground RV park, and many others.\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eEMV Payment Processing through DataCap using NETePay.\u003c\/span\u003e\u003cbr\u003e\u003cbr\u003e\u003cspan\u003eNETePay software provides Point of Sale applications with the ability to process integrated credit, debit, check, EBT, FSA, gift, eCommerce and loyalty transactions directly to virtually all payment processors in North America via one, simple interface without per-transaction gateway fees.\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eProcess transactions through your existing shopping cart.\u003c\/li\u003e\n\u003cli\u003eAbility to offer customized gift cards to customers.\u003c\/li\u003e\n\u003cli\u003eDebit card processing allows customers to pay electronically using their bank debit card.\u003c\/li\u003e\n\u003cli\u003eOffers a variety of check processing services.\u003c\/li\u003e\n\u003cli\u003eConduct business anywhere with mobile solutions.\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"DataCap_NETePay","offers":[{"title":"Default Title","offer_id":39862149513402,"sku":"CC-PROCESSING-XCHARGE","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0564\/1699\/3466\/products\/netepay_credit_card_software.jpg?v=1625598199"},{"product_id":"ingenico-desk5000-credit-card-terminal-reader","title":"Ingenico Desk\/5000 Credit Card Terminal Reader","description":"\u003cp\u003eThe Desk\/5000 meets the most demanding use cases for Credit Card Terminal Reader\u003c\/p\u003e\n\u003cp\u003eTurning the point of sale into a point of service capable of running interactive business apps on its large 3.5-inch touchscreen.\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e\u003c\/strong\u003eRequires new merchant account application, contract activation through PointOfSalePOS.com\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHighest Security\u003c\/strong\u003e\u003cbr\u003eThe Desk\/5000 is PCI-PTS 4.x certified and satisfies the latest hardware and software security requirements. 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By securely running HTML5 applications right on the smart terminal, merchants can provide enhanced consumer experiences and create additional value for their business. \u003cbr\u003e\u003cbr\u003e\u003cstrong\u003eAn OS with secure payment and creative freedom\u003c\/strong\u003e\u003cbr\u003eBacked by 30 years of experience, the Telium TETRA Operating System is the perfect combination of Ingenico’s legacy in payment expertise and openness to the web. It embeds the best security mechanisms to protect transaction privacy, while enabling the deployment of HTML5 web-based rich media business apps.\u003cbr\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e","brand":"Ingenico","offers":[{"title":"Default Title","offer_id":39879689601210,"sku":"CCTERMINAL-INGENICO-DEK50001","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0564\/1699\/3466\/products\/ingenico_desk5000_chip.jpg?v=1625598223"},{"product_id":"ingenico-move5000-credit-card-terminal-reader","title":"Ingenico Move\/5000 Credit Card Terminal Reader","description":"\u003cp\u003eA game changer, opening the portable credit card payment terminal to a new world of business apps. Requires approved merchant account application via PointOfSalePOS\u003c\/p\u003e\n\u003cdiv class=\"summary\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003eHighest Security\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe Move\/5000 is PCI-PTS 5.x certified and satisfies the latest hardware and software security requirements. Its Telium TETRA OS uses the latest cryptographic schemes with future-proof key length.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eAll Payment options\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe Move\/5000 supports all forms of electronic payments including EMV chip \u0026amp; PIN, chip \u0026amp; sign, magstripe, signature capture, and NFC\/contactless.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eUser-friendly and intuitive interface\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eFeaturing powerful multimedia capabilities and a large 3.5-inch color touchscreen, the Move\/5000 provides a best-in-class user experience thanks to a rich user interface.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eDesigned for Mobility\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe Move\/5000 comes with a wide variety of wireless communication options, including Wi-Fi, Bluetooth, and 4G, guaranteeing payment availability and optimizing communication costs.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eBuilt-in data capture capabilities\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eWith its optional camera or barcode scanner and GPS tracking, Move\/5000 enables alternative payment schemes and unlimited possibilities for innovative business apps.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eSeamless NFC payment\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe Move\/5000 seamlessly enables contactless payment acceptance by providing a dedicated customer-facing NFC card reader zone for faster transaction flows.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eOpen ecosystem of HTML5 business apps\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eThe Move\/5000 combines a proven and secure OS, specifically used for payment, with the openness of HTML5, CSS3 and JavaScript. By securely running HTML5 applications right on the smart terminal, merchants can provide enhanced consumer experiences and create additional value for their business.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cstrong\u003eAn OS with secure payment and creative freedom\u003c\/strong\u003e\u003cbr data-mce-fragment=\"1\"\u003eBacked by 30 years of experience, the Telium TETRA Operating System is the perfect combination of Ingenico’s legacy in payment expertise and openness to the web. It embeds the best security mechanisms to protect transaction privacy, while enabling the deployment of HTML5 web-based rich media business apps.\u003cbr data-mce-fragment=\"1\"\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cbr\u003e\u003c\/p\u003e","brand":"Ingenico","offers":[{"title":"Default Title","offer_id":39879838695610,"sku":"CCTERMINAL-INGENICO-DEK5000","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0564\/1699\/3466\/products\/ingenico-move5000-main.jpg?v=1625598234"},{"product_id":"id-tech-securemag-credit-card-reader","title":"ID Tech SecureMag MagStripe Credit Card Reader","description":"\u003cp\u003eCredit card swipe, mag card reader\u003c\/p\u003e\n\u003cp\u003eSuperior reading performance while encrypting sensitive data that complies with PCI-DSS requirements. The SecureMag supports TDES and AES data encryption using DUKPT key management. Each SecureMag card reader is assigned a unique serial number for tracking purposes. Encrypted data output with confirmation data in clear text form is programmable up to the first six digits and the last four digits of the account number. For increased data protection, SecureMag has several operational security levels allowing the user to select the security profile needed for the application.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eFeatures:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eReader can function as a standard reader, or configured to an encrypted reader\u003c\/li\u003e\n\u003cli\u003eEach device includes a unique serial number\u003c\/li\u003e\n\u003cli\u003ePowered through USB port, no external power supply required\u003c\/li\u003e\n\u003cli\u003eBi-directional card reading\u003c\/li\u003e\n\u003cli\u003eClear identification of successful card reads with a beeper and tricolored LED indicators\u003c\/li\u003e\n\u003cli\u003eSupports TDES \u0026amp; AES encryption (TDES is standard)\u003c\/li\u003e\n\u003cli\u003eDUKPT key management\u003c\/li\u003e\n\u003cli\u003eSize: 3.94 x 1.38 inches (L x W)\u003c\/li\u003e\n\u003cli\u003eColor: Black\u003c\/li\u003e\n\u003cli\u003eInterfaces: USB Keyboard or USB HID\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"IDTech","offers":[{"title":"Default Title","offer_id":39886145814714,"sku":"CCREADER-IDTECH-SECUREMAG","price":76.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0564\/1699\/3466\/products\/idtech-securemag-card-reader.jpg?v=1625598266"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0564\/1699\/3466\/collections\/4ab63f0c8b984af5a915dce8d5fabef7.jpg?v=1743973800","url":"https:\/\/pointofsalepos.com\/collections\/merchant-account-payment-processing-credit-card-terminals\/credit-card-payment-processing.oembed","provider":"Point of Sale POS","version":"1.0","type":"link"}