When processing EMV chip transactions with a credit card machine, it is important to first make sure that the machine is equipped to accept chip cards. When the customer inserts their chip card into the machine, it will prompt them to leave the card in the slot until the transaction is complete. The machine will then communicate with the card's chip to validate the transaction securely. It is important to follow the prompts on the screen and wait for the transaction to be approved before removing the card. If the transaction is declined, you may need to ask the customer for an alternative payment method. It is also important to ensure that the card is inserted into the machine with the chip facing up and towards the slot. Following these steps will help ensure a smooth and secure EMV chip transaction process.
Best Credit Card Machine For Small Business in 2024
1
Rating is 5 out of 5
Shopify POS Go - Mobile Point of Sale Machine & System for Retail, Small Business - All-in-One Credit Card Reader, Terminal, Barcode Scanner, POS Software Device
-
ALL-IN-ONE DEVICE – Designed for efficient, quick, user-friendly in-store transactions, this compact device acts as a complete POS terminal, barcode scanner, and card reader. Accept all payment types including cash, credit or debit cards, and digital wallets.
-
MOBILE CHECKOUTS - Close sales anywhere with this mobile wireless machine. Get everything you need to check out customers in the palm of your hand from the built-in barcode scanner to card reader, WiFi connectivity, and long battery life.
-
USER-FRIENDLY FEATURES - The touchscreen is easy to use and read, with a 5.5" HD display using strong Gorilla Glass 5. The barcode scanner and tap, chip, and swipe card reader functions are intuitive and powerful for quick, smooth operation.
-
SMART BUSINESS MANAGEMENT - Access your entire business from a single device. With this hand-held POS machine you can monitor sales, check inventory levels, update customer profiles, and view analytics.
-
REQUIRES SHOPIFY ACCOUNT - To use the Shopify POS Go, you need to have a Shopify account. New users can sign up for Shopify at shopify.com. Existing Shopify users can start using the Shopify POS Go right away by simply connecting it to your account.
2
Rating is 4.9 out of 5
Square Register - Powered by Square POS
-
Start selling right out of the box with payments processing, POS software and powerful hardware designed by Square. No extra tablet, apps or payment terminal required.
-
Accept all major cards at 2.6% + $0.10 per tap, dip, or swipe and get funds in your bank account as fast as the next business day. Plus, with Offline Mode, you can still take payments, even when your Wi-Fi is down.
-
Get expert phone support, protection from eligible chargebacks, and a 2-year limited warranty.
-
Customize your setup with two touchscreen displays: one for you and one for your customers
-
Grow your business with constantly improving point-of-sale software, including the Square Point of Sale app, Square Appointments, Square for Retail, and Square for Restaurants.
-
Plug in optional cash drawers, receipt printers, order ticket printers, or bar code scanners and get up and running instantly.
3
Rating is 4.8 out of 5
Square Terminal - Credit Card Machine to Accept All Payments | Mobile POS
-
With Square Terminal, you can ring up sales, accept payments, and print receipts, all with one device. Use it at the counter or ring up customers anywhere in your store.
-
Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
-
Process chip cards in just two seconds.
-
Get your money as soon as the next business day.
-
Use it cordlessly with the built-in battery, designed to last all day.
4
Rating is 4.7 out of 5
SumUp Solo + Printer Bundle - Credit Card Payment Card Reader. Full Touch-Screen Interface with Free SIM Card and Mobile Data (SumUp Solo + Printer)
-
Issue receipts on-the-go with the lightweight pocket-sized device, and benefit from fast and fully thermal inkless printing with 800 receipts on a single charge.
-
Use the printer as a battery pack to kick in when your Solo’s running out of power. Both the reader and the printer stay ready to go with double fast charging and optimal power distribution.
-
Accept all major payment types from chip and contactless to Google Pay and Apple Pay.
-
View your transaction history, issue refunds and enable smart tipping directly on the device
-
Connect to Wi-Fi or use the free, unlimited data service and enjoy automatic software updates to make sure you’re always ready to take payments
5
Rating is 4.6 out of 5
Swivel Stand for Pax A35 Credit Card Machine Terminal Pin pad - Complete Kit - Sturdy and Durable - 4.7" Tall, Swivels and Tilts
-
SWIVEL & TILT FLEXIBILITY: The Stand swivels (Left and Right Turns) 330 degree and Tilts (up and down) 50 degree. Swivel gives the cashier flexibility to turn the device towards him/her to help the customers when needed without going to customer side. The tilt feature will adjust the correct angle to hold the Device based on counter height.
-
PACKAGE INCLUDES: This is a complete kit. The package includes the Base Stand with Back Plate to attach the credit card machine (pre assembled), Mounting Screws, Allen Key and Wrench (tools), Adhesive Glue Pad. You can either screw down on counter surface or use Adhesive Glue Pad where Screw is NOT possible, exable - glass counter.
-
PERFECT HEIGHT: The stand if perfect height of 4.7" for all counter level. It has enough clearance for Card Insert from button which can also be adjusted by tilt feature. Once you have the correct tilt position set, you can use the allen Key and Wrench to tight the screw so it won't tilt down anymore.
-
ADHESIVE GLUE PAD: A adhesive Glue Pad is included in each stand as an option to glue down the stand if the surface cannot use the screw (examble glass or marble). The glue pad is very strong to hold the stand as this is made for this purpose. If you ever need to remove the glue pad in the futire, simple slowly heat up the area (with hair dryer) and use a string/thread to workout to remove.
-
DURABILITY: The Stand is made out of robust mild steel with durable powder coated finish. It is very sturdy and durable.
6
Rating is 4.5 out of 5
Verifone VX520 Dual Comm Credit Card Machine- with Smart Card Reader
-
Combines an ergonomic design, small footprint and unique cable management system
-
VX520 DC w/SC 128/32 MB (Dial/ ETH 128 / 32 MB STK) (non contactless) EMV
-
Part Number: M252-753-03-NAA-3
7
Rating is 4.4 out of 5
First Data FD150 EMV CTLS Credit Card Terminal with Wells 350 Encryption
-
Chip Card / EMV / NFC Compatible
8
Rating is 4.3 out of 5
VeriFone Vx520 EMV CLTS 32MB Credit Card Terminal
-
NO ENCRYPTION FOR DEBIT. NEED PIN PAD TO ATTACH WITH THE DEVICE TO WORK FOR DEBI
-
Verifone VX520 terminal with EMV reader, contactless reader, and dual com modem.
-
PCI COMPLIANT
9
Rating is 4.2 out of 5
Clover Mini POS System for Small Business, Credit Card Reader Anywhere Machine, Built in Printer - Requires Processing Account Through Advantage POS Store
-
A SMALL, POWERFUL POS FOR TIGHT SPACES: Run your business with the sleek and powerful Mini, a POS that fits in any space. Everything you need is right on the device.
-
LARGER TOUCH SCREEN: The upsized 8" touch screen has plenty of room to confirm orders, complete payments, and manage everything to run your business.
-
ACCEPT POPULAR PAYMENT TYPES: The Clover Mini makes it easy for customers to pay with swipe, dip, or tap. Credit or debit. And contactless payments like Apple Pay, Google Pay, and PayPal/Venmo.
-
START SMALL AND EXPAND AS YOU NEED TO: The Clover Mini works with all other Clover devices and can expand with accessories to build a complete system so your system can grow as your business grows.
-
Payments: Accepts chip, swipe, and contactless payments Screen: 8" LCD color touch screen Receipt printer: Built-in thermal dot receipt printer Security: Clover Security end-to-end encryption Connectivity: Wi-Fi, ethernet, and LTE connectivity Cash drawer: Optional add-on
-
READY OUT OF THE BOX: Comes with a receipt printer — all you need to get to work..-(note) Requires new processing account through Advantage POS Store for this package. Rate match guarantee with current credit card payment processor or flat rate of 2.6% and .10 cents a transaction.
10
Rating is 4.1 out of 5
symcode New POS PDA Thermal Receipt Printer 5.99" High Resolution and Clear Touch Screen Handheld PDA Printer Mobile POS Machine Terminal Printer Android 8.1 OS Built-in Google Play and NFC
-
Symcode New POS PDA Thermal Receipt Printer,5.99" High Resolution and Clear Touch Screen, 5MP camera and Wifi 5G/4G/3G/2G/GPS connectivity.40MM Diameter Paper Roll Capacity, Support Nano SIM+TF , With NFC card recognition.
-
58mm POS Thermal Receipt Printer Android 8.1 OS,Usb: Support USB OTG.support developers to debug and use .Deca-core/10 cores MTK.
-
[ Control of Inventory ] This thermal receipt printer helps you keep better control of inventory, sales and profits, deliver tickets to your customers, create users, discounts, products by name, code or barcode and much more!
-
POS PDA Compatible with 99% of Android Apps, e.g. Loyverse(For Retail/Clothing), iREAP(For Retail/Inventory), CasierStock(For Shopping/Inventory Management), Kyte(For Mobile Sales), Pozool(Restaurant/Coffee Shop), allow accept order and print receipt in one POS.
-
Handheld PDA printer comes with Google Play and supports the following software, Shopify, Google Chrome, PDF, Loyverse, iREAP, and Kyte, Support Google Play software download.No need for secondary development.which allows accepting the order and print receipt in one POS , 90mm/s boosts 20% working efficiency.
-
POS Receipt Printer inside 3200mAh 7.6V battery lasts the whole day even in the most demanding situations.Work with android app, make bill printing, mobile payment, ordering, takeaway, queue control, marketing management, make all-in-one POS.
-
Terminal printer POS is portable, 0.7in body, 0.9lb weight , also with a 5.5-inch touch screen, also can scan 1D/2D.QR barcodes by the camera.(The camera mainly decodes 2D codes.and the ability to decode 1D codes is relatively weak) It is a combination of Bluetooth thermal printer and mobile phone, so that you can save your money and space, Widely used in food trucks, cafes, drink & food, pizza, bakery, restaurant, grocery store, fashion & boutique, convenience store, jewelry, carwash.
What is the encryption process for EMV chip transactions?
The encryption process for EMV chip transactions involves several steps:
- The terminal reads the chip on the credit or debit card and retrieves the card's encrypted data.
- The terminal generates a random number called the Application Transaction Counter (ATC) and combines it with other transaction-specific data.
- The terminal sends this data to the card for approval. The card uses its private key to decrypt the data and verify the authenticity of the terminal.
- The card generates a cryptogram, which is a one-time code that is unique to the specific transaction. The cryptogram is encrypted using the card's private key.
- The card sends the cryptogram back to the terminal, which uses the card's public key to decrypt and verify the cryptogram. This helps ensure that the card has not been tampered with or duplicated.
- The terminal communicates the transaction details, including the cryptogram, to the payment network for authorization.
- The payment network verifies the cryptogram and authorizes the transaction.
By using encryption and cryptograms, EMV chip transactions are more secure than traditional magnetic stripe transactions.
What is the PIN entry process for EMV chip transactions?
- Insert the chip card into the EMV card reader with the chip facing up.
- Follow the prompts on the screen to verify the transaction amount.
- The terminal will prompt you to enter your personal identification number (PIN) using the keypad on the card reader.
- Enter your PIN and press the 'Enter' or 'OK' button.
- Wait for the terminal to process the transaction and display a confirmation message on the screen.
- Remove your card from the terminal once the transaction is completed.
- Remember to take your receipt, if offered, and any other items such as cash back or the card itself.
What is the role of the card issuer in EMV chip transactions?
The role of the card issuer in EMV chip transactions is to provide the cardholder with a secure payment card that contains an embedded EMV chip. The card issuer is responsible for issuing the card, managing the cardholder's account, and authorizing transactions. When a cardholder uses their EMV chip card to make a payment, the card issuer validates the transaction, verifies the cardholder's identity, and approves or declines the transaction based on a number of factors including the cardholder's available balance, spending patterns, and previous transactions. The card issuer also plays a key role in protecting cardholder data and preventing fraud by implementing security measures such as encryption, tokenization, and two-factor authentication.
What is an EMV chip on a credit card?
An EMV chip is a small microchip embedded in credit and debit cards that provides an added layer of security when making transactions. EMV stands for Europay, MasterCard, and Visa, the three companies that originally developed the technology. The chip creates a unique code for each transaction, making it more difficult for fraudsters to clone the card or steal sensitive information. EMV chip cards are more secure than traditional magnetic stripe cards and are widely used around the world.
How to protect the EMV chip on a credit card?
- Keep your card in a protective sleeve or wallet designed to block RFID signals. This will help prevent unauthorized scanning of your card's information.
- Avoid exposing your card to extreme temperatures, as this can damage the chip.
- Never bend or scratch the EMV chip on your card, as this can cause it to malfunction.
- Be cautious when using ATMs or card readers in public places, as these devices can be tampered with to steal your card information. Look for signs of tampering before inserting your card.
- Regularly monitor your account statements and report any suspicious activity to your card issuer immediately.
- If your card is lost or stolen, contact your card issuer right away to have the card canceled and replaced.
- Consider using alternative payment methods such as mobile wallets or virtual credit card numbers for online transactions to reduce the risk of exposing your physical card to potential fraud.
