How to choose the right card machine for your business

May 28, 2021

If you’re accepting payments in person, among the short list of things you’ll want to do in order to get started is to select a card machine. You’ll want to choose equipment that’s right for the way you do business—both today and into the future.

Let’s take a quick look at a few typical business scenarios to see which type of card machine offers the best fit.

Scenario #1 – “My customers want to pay with their smartphone, but we don’t have the right equipment.”

Solution: Businesses can accept payments via contactless cards and digital wallets with a stand-alone card machine, or an integrated POS system.

Today’s card machines do much more than just accept traditional credit and debit card payments. Most new payment acceptance terminals contain near-field communications (NFC) technology that makes contactless payments fast, secure and convenient. NFC lets you accept payments via contactless cards as well as digital wallets used in smartphone apps and other devices like smart watches.

Scenario #2 – “I have a simple storefront business that needs to process credit cards at the lowest possible cost with no frills attached.”

Solution: You likely need a stand-alone card machine.

Card terminals have been processing payments for businesses of all sizes for decades. Their longevity and durability is attributed to their simplicity: they do one thing, accept credit and debit card payments. If your choice of credit card machines is driven by simplicity and affordability, this is right for you.

Card terminals may be known as “simple” but they’re up to the modern tasks of secure payment processing. These days even the most basic credit card machines for small businesses are equipped with secure EMV “chip card” technology, legacy magnetic stripe (or “magstripe) and near-field communications (NFC) to accept digital wallets.

Scenario #3 – “Our new restaurant is packed every night, but our ordering and checkout system can’t keep up. Plus our systems don’t talk to each other so after a long day we’re up late reconciling accounts.”

Solution: You need the help of a fully integrated POS system.

An integrated point of sale (POS) system offers the functions of a smart card terminal combined with other essential business systems like ordering, accounting and inventory. POS systems integrate the hardware, software and support, so you can focus on growing your business.

POS systems are highly customizable, and can evolve as the business grows and changes. POS systems are designed for virtually every type of food and beverage service to help you manage menus, kitchen and bar orders, delivery schedules, employee hours, sales analytics and more.

Scenario #4 – “I own a lawn maintenance company and my customers want to be able to pay me by card right on the spot.”

Solution: You need a mobile card terminal.

Mobile card terminal cuts cord off, you can take card payments anywhere your customers would like.

You can get great coverage from built-in SIM card connecting with major 3G provider in the UK. It can also be connected through Bluetooth or Wi-Fi and accepts contactless payments including Apple Pay, Android Pay, and Samsung Pay as well as credit and debit cards.

Selecting the right credit card machines for your business

So which card machine is right for your business? Only you can make that decision. Thankfully there are plenty of viable options for however you interact with your customers.

Many businesses don't need a card machine at all to accept electronic payments. Virtual terminals allow businesses to safely and securely accept card payments over the phone with nothing more than a computer, a web browser and an internet connection. Then there are a wide variety of options for accepting payments online, from payment gateways to integrated solutions built directly into eCommerce platforms.

Whether you plan on accepting card-present, in-person payments that require a credit card machine or online/over the phone card-not-present transactions, accepting credit card payments is easier and more convenient than ever.

Whatever your budget, your business type and your growth goals are, there is a card processing machine that’s right for your business.

Worldpay from FIS is a global leader in payment processing that helps business of all sizes enable every payment made anytime, anywhere and any way.