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Which Merchant Card Processing Terminal Is Right for Your Business?

Almost every business needs to accept credit cards to be successful, but figuring out the best approach to do so can be difficult. Most merchants use one of the following terminals to process credit cards: Modified mobile phone, modem-based, IP-based, contactless, or computer We'll take a look at each sort of terminal in turn.


Modem Based Terminal

A conventional dialup connection is used in modem-based terminals, which provides stability and fast processing. They have been used for decades at in-store ports of sale (POS) and are appropriate for merchants who undertake continuous card transactions but do not have periods of high volume that demand high-speed processing.


IP Based Terminal

IP-based terminals, unlike modem-based terminals, feature Power over Ethernet (PoE) functionality, which improves transaction speed. They're swiftly catching up to modem-based terminals in popularity, especially among retailers who have busy periods.

Restaurants, pubs, and retail stores are examples of businesses that profit from IP-based terminals' Ethernet connectivity. 


Contactless Terminal

To read contactless credit cards, this merchant card processing terminal has an inbuilt antenna. When compared to modem-based and IP-based terminals, combining Power over Ethernet (PoE) functionality with contactless card reading gives higher processing speed.

Contactless credit cards are becoming more popular as a safe and sanitary means of payment. They can't be swiped by card skimmers because they aren't given to clerks. They also cut down on germ transmission.     

Modified Cell Phone Terminal

Cell phones that double as a phone and a payment terminal are known as modified mobile payment terminals. They are perfect for merchants who sell at trade exhibitions, public events, kiosks, or receive money after delivering products or giving services at businesses or households because they have built-in swiping technology.

Customer receipts can be printed using modified cell phone terminals and wireless printers.

·         Mobile Terminals

Accept payments on-the-spot or on-the-go by being where your clients are.

Having the capacity to accept payments anywhere, at any time, provides you with the assurance that you will nearly never lose a sale. You may quickly set up business wherever with internet access, from someone's home to inside your vehicle, with a Mobile Terminal. The options are limitless. 

Wireless Terminal

A regular or contactless card terminal is employed in the capacity of a modified mobile phone terminal in this merchant card processing terminal. Wireless terminals differ in that they contain a built-in printer, typically have more functions, and process data faster.


Computer Terminal

Computer terminals are personal computers that have been converted into payment terminals using a point-of-sale system. They're useful in a variety of scenarios, but they're most commonly connected with MOTO (mail order/telephone order) processing. Because POS software is costly, it is frequently utilized as a last resort.


·         What is a POS System?

§  A payment processor is not the same as a point of sale (POS) system. A POS system is made up of both hardware and software. A cash register, card reader, display screen, and receipt printer are examples of possible hardware. While the program's function is to record transactions and deliver that data, as well as other information that the software is tracking, to payment processors.

·         POS systems can be customized to meet the needs of unique businesses. You may have noticed that certain POS systems are built for retail venues while others are designed for eateries. Whatever type you choose, make sure it provides the capabilities you require to better manage payments.


·         Clover POS System

§  Clover POS ecosystem includes everything you need in a point-of-sale solution. Get what you need and add on later, whether it's a comprehensive restaurant or retail system or mobile features for on-the-go payments.

§  Clover POS Systems are all designed to make taking payments as simple as possible! Regardless of how big or small your company is, or whether you have a physical location or are constantly on the move.

§  Key features of Clover’s POS System –

Clover includes a slew of features that make processing payments a breeze. Some of the key features include:

a)   Inventory management

b)   Loyalty programs

c)    Employee management

d)   Credit card processing

Other features include staff management, reporting and statistics, and third-party integrations.

AVPS has the Account Solutions You Need

To serve their clients, many shops require multiple types of accounts and processing equipment. We provide retail, Internet, MOTO, and cellular accounts, as well as processing equipment, at AVPS. We can accommodate your demands for a single account or multiple accounts.

AVPS has over twenty-five years of expertise servicing Small Business Merchant Accounts and merchants, resulting in achievements that qualify us to assist you in meeting your sales targets. Call us today to find out which accounts are best for your business or to get processing equipment to support your present accounts.

Arya Potts


My name is Arya Potts. I am an Analyst. I love to watch movies and TV series. My hobbies include Dancing, Reading, and playing outdoor games. Some infinities are bigger than other infinities.

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