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Accept Credit Cards & Increase Sales

Point of sale card swipe systems require a merchant to run a customer credit card through a machine that reads the magnetic strip on the back of that American Express, Discover, MasterCard, or Visa credit card. The customer then signs the slip ensuring they will pay the money and any fees that will be charged for this transaction. This is the easiest way for a store to accept payments for their product or service, and usually it involves the lowest fees because it is most secure.

As the card is read by the credit card company machine, their system will make sure there is enough money left on the credit card to allow the charge to be processed, that the customer is not late with his or her payment, that the card is not expired, and that the card has not been reported stolen. Providing all is okay, the credit card company then tallies up the store’s sales for the day and submit payment to that company account through an electronic bank deposit. These deposits generally take no more than three days, so money reaches the account in only a few days. This makes it faster than waiting for banks to process personal check payments where the check must clear your bank and then the customer’s bank before payment is submitted to your account.

To set up your storefront with a point of sale card swipe system, you will need to ensure that every cash register has access to a telephone jack where the card system is plugged in to transmit the information via the telephone lines. For this reason, your store should have separate telephone lines—one for credit card transactions and one for customers to be able to reach the store with questions. If you will also be accepting debit credit cards, you will need to install PIN entry pads at each register. This machinery can be costly, so you must plan for that expense.

 
     

     
  There are downfalls to the card swipe system. If you fail to look at the back of the customer’s credit card to ensure the signatures match, you are inevitably going to take some criticism from the real cardholder and his or her word of mouth can cause you to lose potential customers. Can you afford to lose business? Even established companies rely on customers to keep them turning a profit.

Every system has its faults. If you lose telephone in storms, you will not be able to accept credit card or debit card payments. This can frustrate your customers, even though it is out of your control. If you do experience outages, it is important to contact the company immediately and get someone out to fix the issue as soon as possible or you will lose sales during that time.

Recently, the major retailer T.J. Maxx had to inform customers along the east coast that they had been storing copies of the customers’ credit card, debit card, and checking account numbers following a sale. One of their employees had been selling this information for a profit. No store really needs to save this information once a sale is complete and payment has been received. If you do opt to store this information for whatever reason, be aware that you can do incredible harm to your company’s reputation if the information winds up in the wrong hands. T.J. Maxx lacked a decent security system to keep this information protected, so learn from their mistakes and ensure your security system is top notch.

Once you have installed a card swipe system, it is important to make sure your computer security meets high standards. Have it checked frequently and make changes if weaknesses are discovered. Your customers will appreciate it and return the next time they need to order the product or service that you offer.
 
 
     

 
 

Click Here to Apply

Processing credit cards is vital to a retail establishment. Use the link above and fill out the app form. A friendly knowledgable customer serivce rep will follow up with you and get additional paperwork needed to get your retail account up and running.

 

 
 

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