Retail Credit Card Processing

Your customers want the flexibility and convenience of multiple payment options for purchases. Offering your customers the convenience of accepting electronic payments removes limitations on those customers who may not have cash on hand to make purchases. Customers are likely to purchase additional products and services if they have the option of paying with a debit or credit card.

If you are face-to-face with your customers, a countertop point-of-sale (POS) device at your fingertips is the solution for you. Whether you are a clothing store, salon, automotive shop, or kiosk in a mall, NPC can customize your retail credit card processing solutions for your business needs. Accepting electronic payments allows you to streamline your business cash flow and reduce the handling of paper checks and cash.

Retail credit card processing also reduces the personnel time needed to manage manual processes for payment collection. Many software packages and e-commerce solutions offer automated recurring payment schedules that allow you to arrange a payment plan with your customers to ensure that amounts due are paid in a timely manner.

Learn more about Equipment options that may work best for you

Retail Credit Card Processing Tips

If you are opening a new store, adding another location, or simply looking for a new service provider, allow for sufficient time to set up your account.

A few tips for accepting credit cards when face-to-face with your customers:

1. Look at the card for security features to verify that the card is valid;
   • Point-of-sale security
   • Warning signs of fraud
   • Safer key-entered transactions
2. Swipe the card and follow the prompts for entering data;
3. Check the authorization response to ensure that the transaction has been accepted;
4. Get the cardholder’s signature on the receipt;
5. Compare the name, account number and signature on the card with the signed receipt.

Processing transactions with a tip included:

Depending on your account type and your business needs, you may be able to accept tips on electronic payments from customers.  Many terminals can be programmed to enter a tip amount immediately after running the transaction.  Talk with your sales consultant regarding how you can properly and effectively process customer tips with the least impact to your rates.