In-Person Payments
Securely Accept Payments in Person
In-person payments, also known as card-present payments, occur when the customer is present for the transaction and your business is able to capture the credit card data using a physical device at the point of sale.
Wind River securely processes the following in-person payment methods:
- Swiping a credit card’s magnetic strip into your card-reading device
- Inserting a chip (EMV) card into your credit card terminal
- Tapping a credit card using near-field communication (NFC) for a touch-free experience
- Utilizing a Mobile Wallet with tap-to-pay capabilities such as Apple Pay, Google Pay, etc.
Interchange fees tend to be lower for card present payments because the likelihood of fraud is lower.
Enhancing the Security of Your In-Person Payments
Wind River recommends enabling EMV chip card payments as this creates an extra layer of security for the transaction. Chip cards use an elaborate encryption method that makes the data difficult to clone and steal. Benefits of implementing EMV terminals for secure, in-person payments include:
- Enhanced Security: Tokenization of cardholder data makes in-person card theft and fraudulent activity nearly impossible.
- Easier Customer Payments: EMV technology supports contactless and mobile wallet payments, giving customers multiple payment options.
- Liability Shift: When your business accepts EMV chip cards, you will not be held liable for any fraudulent transactions.
- Lower Processing Fees: Card-present transactions typically incur lower processing costs because they carry less risk for fraud and chargebacks.
You must have an EMV-enabled credit card terminal to accept these transactions though. Wind River can help you select the best terminal for your business
Wind River Advantages
No matter what industry you are in or what technology your business requires, Wind River can process in-person payments from your POS system, credit card terminal, mobile card reader or virtual terminal.
Customer Testimonial
“Our transition to Wind River was smooth and easy. Working with them is leaps and bounds better than our former credit card processor. We are confident in the security of our customers’ data and our processes.”
Justin Killebrew
Vice President, Woodpeckers
Wind River Customer Since 2020
Ensure Your Business Accepts Your Customers’ Preferred Payment Methods
Credit Card Terminals
Taking payments at your business is easier than ever before. We offer fast, secure and easy to use credit card terminals designed to meet your business needs. We’ll work with you to determine your exact needs and what card terminal makes the most sense for your business to accept payments in-person.
Contactless Payments
Contactless payments allow customers to make transactions quickly and conveniently by simply tapping their credit cards, mobile devices, or wearable devices on a payment terminal. This not only saves time for your customers but also promotes a hygienic and safe in-person payment environment.
POS Systems
Point-of-sale systems have a multitude of different uses including processing payments for your products and services. Wind River payment processing that can integrate with a variety of POS systems.
Virtual Terminals
Virtual terminals make payments easy. Just open your web browser and quickly process electronic payments right through the web-based portal. With a virtual terminal, there is no need to purchase hardware, install software or maintain a separate phone line. A virtual terminal is a simple, secure and affordable solution for any small retailer or phone order environment.
Mobile Payments
Your company’s payment options don’t need to be limited because you don’t have a brick and mortar business. With just your smartphone or a wireless terminal, you can start taking mobile payments anywhere you have a wireless connection.
Ready to Learn More?
If you’re interested in accepting payments in-person at your business or switching your current payment processing, contact Wind River Payments today.
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