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Tips for Choosing the Right Credit Card Terminal

For virtually any business today, accepting payments by credit card is a must. However, because merchant accounts vary, credit card processing can be complex. To determine which credit card terminal is right for a business, there are many factors to take into consideration.

Does A Business Need a Terminal?

If the business is one that entails credit card processing face-to-face with customers, such as restaurants or retail shops, a terminal is a necessity. For businesses that do not deal directly with customers, such as mail-order or online companies, terminals can also be used to key in the credit card information.

How Much Should the Terminal Cost?

What a business pays for a terminal depends on several factors, such as how old the terminal is, the model, whether a printer is included and what features it offers. As is often the case, the older the terminal the less it will cost. For newer businesses that are just starting out, cheaper terminals are usually recommended. Many companies will offer a business the option to purchase a lesser-priced terminal starting out, then allow them to upgrade to newer models as their business needs dictate.

Phone line, IP or Wireless Terminal?

Businesses that purchase older terminals for credit card processing often use ones that dial out through a phone line. The advantage is these can use a shared line, enabling other devices such as modems or fax machines to use the same line. Newer terminals rely more on IP connections, which are considerably faster and can be more reliable. These terminals are best for businesses using DSL or high-speed internet connections, and also allow for saving money by eliminating the need for an additional phone line and having transaction times 2-3 seconds faster than phone line models. However, with mobility becoming more commonplace in the business world, wireless terminals are becoming very popular with merchant accounts. These are great for businesses that often go off-site to sell merchandise, such as at festivals or trade shows. These terminals can be used anywhere at anytime, and can be connected to mobile devices to download information onto a smartphone or tablet.

It’s also a good idea to buy rather than lease a terminal, since leasing will cost more over time and may come with some restrictions or hidden fees. By knowing exactly what a business needs, choosing the right credit card terminal can be a stress-free experience.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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