Debit Card Machines

What is Debit Processing?

Debit Processing is a money transfer from your Customer’s bank account to your business account.

What does a Debit Card Machine or Terminal do for my business?

A Debit Card Machine is needed for a business to swipe a Customer bank card. Check that funds are available and make the transfer. This usually takes less than 10-12seconds from swiping to receipt printing. This provides convenience to your Customer, so that they don’t go to your competitor if they don’t have cash on them.

Are they easy to use?

Yes. You simply swipe your Customer’s bank card. Then punch in the purchase amount, and hand your terminal to your Customer for their PIN# and ‘OK’. Then the receipt prints. Give one to your Customer and keep one for your records.

Why are there so many types?

Different terminals are usually used for different types of business or situations.

  • Dial-Up Terminal– are good for most businesses. Dial-Up terminals work with an analog phone or fax or data line. Most small businesses just share a fax line with their terminal or their phone line. Dial-Up terminals will not work with digital phone systems. Can even be used as a mobile unit if your type of business is one where your Customers will trust you enough to use their phone line for the duration of a transaction.retailprocessing
  • IP (Hi-Speed) Terminal– are good for businesses that need speed. Less than 5-6second to do a transaction. Works with a Hi-Speed internet connections- DSL or CABLE with a Dial-Up option in case your internet is down.
  • If you are anticipating long line ups, then get an IP terminal so that you can make the customer purchasing experience quick and convenient.
  • A second reason for IP is that you have multiple cash registers, so that you only need one hi-speed connection for as many devices as you need including computers, instead of paying for multiple phone lines or tying up a shared phone line.
  • Cellular (Mobile/ Wireless) Terminal– are good for mobile businesses. If you have to get payment from Customers on the spot and you are not in a traditional stationary location, then you’ll need a Cellular Terminal.

Can I get credit card acceptance on my machine?

Yes. You can have a Debit Only Terminal, or you can add Credit Card Acceptance or you can start off with Debit Only and add Credit Cards 6mths or whenever you choose down the road.

When do I get my money?

Next bus day for debit card transactions, and 1-2 bus days for credit card transactions.

What are do these Point of Sale and their Credit Card Processors look for to approve the application?

If you are leasing, then good credit or $10more/mth for poor or no credit history.

For credit cards, then read this.

How do I get started?

CLICK HERE for a Debit Card Machine Quote

Do you have any pictures and technical specs of the  debit card terminals/ machines that your suppliers use?


Scroll on the name of the product, then the corresponding picture on the right will appear, CLICK THE NAME, and you will go to a page with a larger image with the detailed specs.

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