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How to Accept Credit Card Payments In-store

Accepting credit cards can increase your store’s sales exponentially compared to taking only cash payments. It’s a necessity in the modern age when fewer and fewer people are carrying cash. Not to mention, it will help you stay ahead when you are competing against eCommerce stores.

Being able to accept credit cards will also encourage more significant purchases. Because customers have revolving lines of credit, they have more freedom to make large purchases quickly, which can help you grow your business.

Accepting Credit Cards In-store

The method of accepting credit cards that you will use will depend on where the payments are being taken. To accept credit cards in your business, you’ll need a card reader and a merchant account. Businesses have two options when accepting credit cards:
• A complete provider that has a solution for each step of the credit card payment process
• Individual providers for separate point-of-sale (POS) systems and merchant accounts

Here Is how you can accept credit card payments in your store:

1. Select a POS System
A point-of-sale (POS) system is a software system that manages transactions, tracks inventory, and provides your business with valuable analytics. It’s important to pick a POS system before doing anything else because some systems will have built-in payment processing for credit cards.

2. Open a Merchant Account
If you are not using an all-in-one system, you will need to select a merchant account. For high-volume sellers, a traditional merchant services provider may be the best option because they typically have lower processing fees.
If you are going to get a merchant account, you’ll need to understand the different types of fees. There will be credit card processing fees as well as possible account and gateway fees.
A merchant account is an account with an acquiring bank that your business will use to accept credit cards and electronic payments. Essentially, the merchant account is the holding place for the money you receive from customers.
It facilitates the authentication of the payment, along with other technical aspects, saving your business time and resources. After payments are processed and approved, the bank will put the funds into your merchant account.
Getting a merchant account is typically the best option for many brick and mortar businesses because it ends up being less expensive in the long run.

3. Purchase the Necessary Equipment
If you are selling in-person, or in-store, you’ll need a card reader. Credit card payments require a card reader that allows the customer or cashier to swipe the card physically. Businesses may also want to purchase additional credit card readers to accept tap and chip payments.
Start Accepting Credit Cards with a Merchant Account
If you want to start boosting sales in your store, make sure to work with an eCommerce merchant account provider like Unique Payment Technologies!

Accept EBT Today with EBT Payment Processing

Most businesses know that accepting EBT payments will help grow their profits. However, there is much to consider before accepting EBT cards, such as filing an application, meeting hardware requirements, and understanding the costs involved. Read on to learn more about EBT payment processing and how our EBT specialists can help you accept EBT payments.

Three Easy Steps on How to Accept EBT Today

1: You need a USDA FNS (Food and Nutrition Service) permit to process EBT transactions, so check to see if you have one. If not, call us directly at 1.888.376.0931 to start accepting EBT transactions today
2: We have a dedicated staff of EBT/SNAP experts who work closely with small business owners to ensure you have the proper equipment. Most importantly, they make sure you are not paying too much for your EBT processing services. Call 1.888-376-0931 now to speak with a Small Business EBT Specialist who can show you how to accept EBT payments today.
3: Once approved, we will ship you your new processing equipment. You will receive your new updated all-in-one machine that processes EBT/food stamps, EMV, and credit/debit card transactions in as little as 24 hours. Get approved and accept EBT today.

We provide merchants with the payment processing solutions they need to help their business grow.


At Unique Payment Tech, we understand every business is a different animal, All with its Unique demands and challenges for that reason we have partner with the best POS providers in the market which allows us to offer a wide selection.

Online Payments

Send invoices, tokenize customer information, and set up custom recurring billing. Perfect for service businesses.

Integrate into your existing hardware or software and keep processing just as you always have with zero downtime.


Easily set up an online shopping cart for your e-commerce store.

We can even integrate into your existing one.

What is a low-risk merchant?

Note that every payment processor has its own set of guidelines, but there are some characteristics common for all the players on the market.

General indicators for low-risk merchants are the following (but there are many other factors, and it’s based on compliance’s general evaluation):

  • Less than $20,000 processed monthly
  • Average credit card transaction is less than $500
  • The industry that a merchant operates in is considered low risk (these are, for instance, low risk-clothes and shoes, household goods, baby products)
  • Zero to low chargeback ratio
  • The country a business operates in is considered low risk (European Union countries, USA, Canada, Australia, Japan)
  • Minimized returns.