As a retail business that does not accept tips, you have several options available to you for managing and processing your credit card transactions:

• Card Reader Terminal / Pin-pad
• Point of Sale (POS) systems
• Online Payment Gateway

CARD READER TERMINALS

If you are only using card reader terminals with/without a customer-facing pin-pad, then it is just a matter of swapping out your old equipment for new EMV-certified equipment.    The entirety of this process – including training – usually only takes around 30 minutes to complete.

We have both wired and wireless terminal options for your business.   While almost almost all businesses only need a wired terminal solution, the wireless solution can provide mobility around your office – or in those areas where wiring does not exist.

The cost of the equipment is around:

Switching over to our merchant processing partner can pay for the cost of your new equipment in as little as one month, depending upon your current effective rate and your average monthly credit card transactions.

 POS SYSTEMS

If you are already using a POS system, then moving to a new merchant processor (MP) only involves changing the POS software to use your new merchant processing credentials.   This involves supplying this information to your POS vendor who will need to update your system.   Please be advised that with most POS vendors, there is a small fee for making this change.

If you are not currently using a POS system, read more here about the benefits of a POS.   We are here to help answer your questions and work with you to setup a solution that works for your business.

ONLINE PAYMENT GATEWAYS

While your website is outside the realm of your storefront processing needs, should you require an online payment gateway, we can provide reduced rates here, as well.   The specific solution will depend upon your website software(s) being used, but this is a straightforward and seamless change that can typically be handled by your webmaster in a couple of hours or less.

As a retail business that accepts tips from your customers, your business is most impacted by the new EMV cards and new rules, as tips must be entered while the credit card is present inside the card reader terminal.  If your business uses standalone credit card readers, the transition is going to be easier, as you will only need new EMV-certified equipment that is setup to accept tips.    Businesses using a POS that is currently setup for all payments to be handled by your employees via a swipe card reader are going to need new equipment, new processes and modifications to their POS system.

CREDIT CARD READERS

For businesses that accept payment at a front/main counter and use a stand-alone credit card reader/pin-pad, you will not see much difference other than your new card reader equipment will be programmed to accept tips and that you will have a customer-facing reader/pin-pad so that the tip option is presented directly to your customer.

The card readers can present to your customer a list of preset percentages or the option to input their own percentage or a specific amount for the tip.   One benefit of the new EMV process will be the elimination of tip settlement after the close of business, saving you time and money.

The cost of the equipment is around:

Switching over to our merchant processing partner can pay for the cost of your new equipment in as little as one month, depending upon your current effective rate and your average monthly credit card transactions.

POS SYSTEMS

For businesses that are currently using a POS system, you are going to need to integrate a new EMV-certified card reader into your POS solution to capture the credit card/tip transaction into the POS.   This is going to require some potential software changes to the POS.

If you don’t currently use a POS, but have an interest in using one in your business, we have a POS equipment/software package that is fully EMV-certified and won’t break the bank.   It will hande everything from inventory management to sales tracking and can provide transaction data to Quickbooks for you or your accountant.

YOU USE CREDIT CARD READERS

Option 1: Payments are taken from customer at a front counter

For businesses that accept payment at a front/main counter and use a stand-alone credit card reader/pin-pad, you will not see much difference other than your new card reader equipment will be programmed to accept tips and that you will have a customer-facing reader/pin-pad so that the tip option is presented directly to your customer.

The card readers can present to your customer a list of preset percentages or the option to input their own percentage or a specific amount for the tip.   One benefit of the new EMV process will be the elimination of tip settlement after the close of business, saving you time and money.

The cost of the equipment is around:

Switching over to our merchant processing partner can pay for the cost of your new equipment in as little as one month, depending upon your current effective rate and your average monthly credit card transactions.

Option 2: Payments are taken from customer at their table

For businesses that accept payment tableside and use a stand-alone credit card reader/pin-pad, you will not see much difference other than your new card reader equipment will need to be programmed to accept tips and will be wireless with an embedded printer, so that you can print receipts at the table, too.

You will input the amount of the transaction and then pass the wireless card reader to your customer who will insert their chip card and choose a tip option (percentage or flat fee) and then finalize the transaction.   Upon approval, you can print the receipt for the customer and obtain a signature.

One benefit of the new EMV process will be the elimination of tip settlement after the close of business, saving you time and money.

The cost of the equipment is around:

Switching over to our merchant processing partner can pay for the cost of your new equipment in as little as one month, depending upon your current effective rate and your average monthly credit card transactions.

POS SYSTEMS

For businesses that are currently using a POS system, you are going to need to integrate a new EMV-certified card reader into your POS solution to capture the credit card/tip transaction into the POS.   This is going to require some potential software changes to the POS.

If you don’t currently use a POS, but have an interest in using one in your business, we have a POS equipment/software package that is fully EMV-certified and won’t break the bank.   It will hande everything from inventory management to sales tracking and can provide transaction data to Quickbooks for you or your accountant.

EMV-Certified Standalone Card Readers / Pin-pads

Verifone Vx520 Card Reader

Verifone Vx805 Pin-Pad

Pax S80

Wireless Card Readers (Pay-at-table / Mobile)

Coming Soon….

POS Solutions

ShopKeep POS

Thermal Paper

NOTES:

• All prices include tax.
• We sell in 25 roll increments.
• Delivery or shipping is free to all businesses in the Greater Metro Area

2.25″ x 85′    $1.00/roll

2.25″ x 50′    $1.00/roll

The costs of supplying paper for your card readers is often overlooked by a business as another area to save money.  We find that many business are paying between $1-2/per roll for a standard 2.25″ x 85′ roll of paper.   We can provide these same rolls for $0.75/per roll.    This may not sound like a big savings, but it does add up, as our analysis determined that the average transaction at a business consumes around 24″ of paper (itemized bill, your copy of receipt and the customer copy of the receipt).   If you don’t produce itemized bills, then this number drops to 15″.

This shows that a roll of paper will accommodate between 42 and 68 customer transactions depending upon whether you produce an itemized bill.