Credit and Loans

If you are getting a merchant account so your business or establishment can accept credit cards, you’re probably wondering which credit card terminal you should choose. Here are the most important things to consider:

First of all, think if you really need a credit card terminal. Credit card terminals are needed only if your business involves you dealing with your customers in person.

Next, consider the type of connection needed by the terminal. Old credit card machines would need a telephone line. This can be a good choice if you already have a phone line.

With the newer models, internet or wireless connections are needed. You should talk with your payment processing company to know which type is best for you.

You also need to think about exactly what you need your credit card terminal to do. Would you like it to print out two receipts automatically, for instance, or would you rather use carbon paper? Or would you prefer a terminal that includes a pad and electronic pen so the customer can “sign” directly on the terminal?

You could even get Tap and Go terminals, which enable customers with certain cards to get approval with one tap. Customers without those cards can still swipe their regular credit card, and no signature is required.

Another option you might want to consider is whether you want a credit card terminal that can also allow you to accept debit cards. This type of machines have keypads that enable PIN number entry.

Accepting debit cards is great for you because you don’t pay all the fees you pay if you accept a debit card without allowing the customer to enter his or her PIN. It’s a very secure transaction method and something you definitely should think about.

You should know all your options when you’re deciding on a credit card terminal. Some processors even provide equipment for free, which makes it even more attractive to get all the features you want.

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