Card-Present Transactions

Term – Card-Present Transactions

Summary – With this type of transaction, the card which can be a credit or debit card is physically present. The card will be presented at either a point of sale (POS) or a payment terminal during the transaction. Card-Present transactions are able to be done with traditional merchant processing and cash discount programs.

More Information on Card-Present Transactions

This is an important term as it offers the cheapest rates for traditional processing. Card-Present transactions is the opposite of card not present transactions where a card is taken over the phone or entered online. As you may imagine, card not present typically presents an increased likelihood of fraud.

Card-Present Transaction Examples:

A customer physically swipes their credit card in a terminal at a car dealership. Cash discount program or merchant programs both apply.

A customer hands their credit card to a waitress at a restaurant.

Google Wallet or Apple Pay contactless payment methods count for card-present transactions as the consumer is present during the transaction and interact physically with the payment terminal.

If you have any questions on how Eliminate Card Fees can eliminate all processing fees give us a call to learn more at 877-624-8043

Back to Terms

Are you ready to start paying 0% in processing fees?

Eliminate Credit Card Processing Fees!