The Authorization Process

POS hardware terminals are keypad devices (like a telephone) equipped with a built-in magnetic card reader and modem. Retail – Storefront Merchants needing a credit card authorization must slide the magnetic strip of the card through the card reader, input the amount, expiration date, and zip code (cardholder address verification), and prompt terminal to dial out (toll-free) to obtain an authorization code. The terminal will display either an approval code, “card declined” or “call authorization center message.” The authorization process normally takes about 15-seconds.

POS virtual terminals work similarly to hardware terminals, but function as Client or Host. The client version is a software program residing within a merchant’s computer. The Host version is an Internet address where a merchant can go to complete a transaction. Virtual terminals can be manual requiring the merchant to input the transaction data from his or her physical business location, or automated whereby the cardholder inputs the data at a merchant’s site (see https://www.payready.net).

The Clearing and Settlement Process

Merchants running transactions throughout the day must close out the day’s credit card totals, AKA Batching. This process initiates the electronic movement of funds from a cardholders account to a merchants account.

POS Terminal Downloads

Each terminal type is unique and must be programmed with specific applications prior to a merchant being able to run transactions. For example, network processor protocols vary among each provider. Card One International merchants are placed on the Vital Processing Services Platform. Also, there are a wide range of business types. A standard retail store may not require tip adjustments like a restaurant would. Card One International insures all POS terminals are properly downloaded and ready to run transactions.

POS Hardware Terminals Sold and Supported

 

t4205

Hypercom T4205
Take advantage of the economically priced, fully functional Hypercom T4205. Comes with 24MB of memory for fast transactions and is also PCI PED approved with a built in pin pad.

 
t7plus

Hypercom T7Plus
The Hypercom T7Plus is designed for merchants requiring a compact countertop POS terminal which accepts all magnetic stripe cards and delivers fast, online transaction authorizations.

 
t4220

Hypercom T4220
The Hypercom® T4220 offers the speed and flexibility of payment processing through the Internet in a compact, ergonomic, user-friendly design. Leverage your internet connection to experience the convenience of 4-second transactions without the cost of a dedicated phone line. A unique IP diagnostic application and  embedded help system simplify installation and troubleshooting. Say goodbye to  paper jams; drop-in paper loading allows you to spend more time with customers  and less time dealing with paper jams. The T4220 can efficiently process a full range of payment types including credit, debit, gift cards and dynamic currency conversion. And the addition of a check imager allows you to convert checks into electronic transactions, increasing efficiency and cash flow.

 
FD100Ti

FD100Ti
FD100Ti terminal is an affordable, all-in-one terminal solution that combines performance, security, reliability and ease of use into a low-cost, feature-rich device. In addition, with EMV guidelines coming soon, the FD100Ti has been enhanced to make it possible for you to accept transactions when a customer presents you with a card embedded with a special chip that adds an important layer of security (FD35 PIN pad required). As one of the fastest, most secure point-of-sale terminals available, the First Data FD100Ti terminal is easily integrated, supports various communication interfaces, and can be adapted to changing environments and circumstances.

 

Hypercom T7P
The T7P is designed for upgrading authorization-only equipment and for merchants moving to data capture and debit applications. It features an integrated modular impact or quiet thermal printer.

 

Hypercom T77
The Hypercom® T77 compact, high-performance terminal supports a wide range of applications including credit, debit and stored-value cards, as well as check and proprietary card processing. It is ideal for retail environments requiring very fast transaction times, for upgrading existing authorization-only equipment or for merchants moving to debit applications.

 
Vx670

Vx670
Wireless Credit Card Terminal is sure to open new sales opportunities because there’s never been a device like the Vx 670. GPRS, WiFi and Bluetooth wireless technology options are perfect for accepting payment in restaurants, bars and stadiums, as well as delivery operations. It securely handles credit and PIN-based debit cards with a vertical mag-stripe reader, and has smart card support.

 
terminal-cat-verifone-vx510-dual

VeriFone Vx510
This terminal’s compact, all-in-one design offers the speed of IP processing coupled with value-added product capability.

 
terminal-cat-t4220

Equinox T4220
This countertop multi-application terminal provides IP performance and security that’s second to none. The T4220 comes standard with an integrated PIN pad and built-in printer.

 
terminal-cat-510le

VeriFone Vx510le
This hard-working, reliable stand alone terminal efficiently processes credit and debit transactions. The ATM-style interface is instantly intuitive and requires minimal training.

 
terminal-cat-vx570

VeriFone Vx570
State-of-the-art processing over an Internet connection or analog phone line. Easy-to-use ATM style interface makes this a great choice!

 
terminal-cat-vx520

VeriFone VX 520
Processing flexibility, speed and security packaged in one easy-to-use, tech-forward terminal that you and your customers will appreciate.

 

VeriFone Omni 3200SE
The Omni 3200SE makes the best-selling payment terminal in VeriFone’s history better. The terminal’s fresh new look and customizable faceplates add branding power to the point of sale.  An integrated printer with “clam shell” design provides drop-in paper loading, to prevent jams and reduce calls to your help desk.

 

VeriFone Omni 3750
Verifone Omni 3750 terminal convenient, all-in-one design combines a mag-stripe reader, smart card reader, internal PINpad, and quiet, fast thermal printer. This makes the terminal easy to install and keeps your countertop clutter-free. And because it runs VeriFone’s Verix multi-application architecture, you can support more than just electronic payment transactions.

 

VeriFone Omni 3750
Verifone Omni 3750 terminal convenient, all-in-one design combines a mag-stripe reader, smart card reader, internal PINpad, and quiet, fast thermal printer. This makes the terminal easy to install and keeps your countertop clutter-free. And because it runs VeriFone’s Verix multi-application architecture, you can support more than just electronic payment transactions.

 

VeriFone Tranz 380
With TRANZ 380, you can expand the range of services you offer. It handles sophisticated applications that help you manage your business better. And it lets you accept debit (ATM) cards in payment for goods or services. TRANZ 380 also can electronically track your employees’ time and attendance for more accurate payroll records and better resource management.  Machine is compatible with VeriFone Printer 250 and DataCard Silent Partner printers.

 

VeriFone Tranz 380 x2
The VeriFone Tranz 380 x2 offers merchants an ability to process both credit cards and an additional application, such as debit cards or gift cards, without additional equipment. Compatible with the older Tranz 330 terminal systems. Machine is compatible with VeriFone Printer 250 and DataCard Silent Partner printers.

 

NURIT 2085
A reliable and easy-to-use POS terminal that enables fast and secure card payment processing. Ideal for small and medium sized businesses.

 

NURIT 8320
An all-in-one, MasterCard & Visa PED payment terminal, which supports a range of applications on one secure multi-application platform, it is the ideal solution for small and medium-sized businesses around the world.

 

NURIT 8100
Specifically designed to meet the storage and security needs of today’s merchants. Features a secure internal PINpad, high security standards and extra storage capacity.