Electronic Payment Terminal Types
There are numerous options available when it comes to choosing the correct credit/debit card processing terminal. It is important to have a secure, reliable, cost-effective merchant processing facility. As well as choosing the correct terminal, backed with market-leading technology - it is important to have a robust, comprehensive support structure. Regardless of your payment processing requirements, and whether a single simple 'chip and pin' verified fixed terminal, or multi-site, multi-unit software and hardware solution is required, careful consideration and expert advice should be sought.
Counter Top Terminals
These are ideal for use in standard retail environments, and are used in millions of retailers, the terminal has a large back-lit display and simple to use, clear keypad.
Portable Terminals
An ideal solution where the terminal is taken to the customer, for example in restaurants and bars. A base unit controls multiple terminals and the transaction is done right in front of the customer. The terminals are simple to use for both the customer and retail staff.
Virtual Terminals
These virtual terminals are powerful, but easy to use applications which allows the merchant to accept payment on any computer connected to the internet, an ideal for taking transactions over the phone or for retailers that operate at different locations.
Mobile Terminals
A truly portable terminal which transacts the data securely over a phone signal via a mobile network SIM card. Any network SIM can be used depending on signal strength in main location. These are perfect for exhibitions, trade-shows, or field based sales staff.
Mobile Phone Solutions
A software application is added to a mobile phone to allow payment to be taken securely and quickly, regardless of location. No terminal is required and the customer can be automatically emailed a receipt direct from the system ideal for tradesmen, field sales staff, and mobile workers such as taxi drivers, delivery staff, van sales, etc.
Terminal ranges includes the latest connectivity technology (3G, GPRS, Bluetooth, Wi-Fi, IP, PSTN).
E-Commerce
E-Commerce, or shopping on-line over the internet is one of the fastest moving market sectors for card payment processing. There are various integrated solutions available which allows your company the facility to easily accept payment securely over the internet. These solutions allow a retailer to keep a 24 hour sales facility operational, as well as opening up new markets round the world, or certainly farther afield.
There are a few important considerations to make, regardless if you have an existing merchant account or are just looking to set up for the first time. Ensure that your terminal choice suits the environment and the application you wish to use it for. For example a fixed terminal is not normally a good choice in restaurants and bars, as customers like to remain seated and the waiter to bring the terminal to the table. Also worth bearing in mind that most terminals are rented or leased over a three, four or even five year period, so you may be locking yourself in for a fixed period of time.
A second, but equally as important consideration is who to transact your card payment processing with - as well as the traditional high-street banks, there are other options available - often giving you the company to save money on your merchant costs. It is well worth looking for cheap merchant services, rather than just assuming you are on the best deal, merchant savings are there to be had if you hunt!
Andy Beatt is a merchant processing specialist, offering advice and consultation on UK merchant card processing solutions. If you would like further information, or to see if you are on the most competitive rate, why not visit http://www.crystalsms.co.uk It potentially could save you considerable sums. Whether you wish to accept payments on-line, over the phone or face to face with your customer, there are a number of options available.
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