In-Person Payments
Accept in-person payments securely through payment terminals
Our platform enables you to accept and manage in-person payments through payment terminals — with the same flexibility, control, and security as our online payment solutions. With a single integration, you can connect to terminals from multiple providers and support all major card entry modes — EMV chip, magnetic stripe, and NFC contactless — giving your customers a fast and familiar payment experience at the point of sale.
Key Capabilities
In-person and card-not-present transactions processed through a single PCE integration, ensuring consistent payment handling across all sales channels.
Card data is transmitted and authorized by the card network in seconds, with instant approval or decline feedback at the point of sale.
Sensitive card data is encrypted at the point of capture and never stored on the Terminal device throughout transmission to the card network.
Semi-integrated Terminal architecture reduces merchant PCI compliance scope without requiring additional certification.
Supports Keyed, Swiped, EMV (Chip), NFC (Tap) — covering the full spectrum of in-person payment scenarios.
Register, retrieve, and manage Terminal devices and transactions programmatically through the dedicated PCE Terminal API.
In-Person Payment Methods
PCE Terminal supports a broad range of in-person payment methods to accommodate different business requirements. The table below provides an at-a-glance comparison:
| Method | Card Present | Equipment Required | Processing Fees | Risk Level |
|---|---|---|---|---|
| Keyed | Optional | None | Highest | High |
| Swiped (Magnetic Stripe) | Yes | Magstripe reader | Lower | Medium |
| EMV (Chip) | Yes | Chip-enabled reader | Lowest | Low |
| NFC (Tap / Contactless) | Yes | NFC-enabled reader | Lowest | Low |
| Cash | N/A | None | None | None |
| Checks | No | None | None | Medium |
| ACH | No | None | Low | Low |
Prerequisites and Limitations
- Prerequisites: You must have an active PCE merchant account and a registered Terminal device before processing in-person transactions.
- Limitations: ACH and bank account payments are not supported directly through the Terminal. Terminal processes card-present transactions only via Keyed, Swiped, EMV, and NFC.
Note — Contact the PCE Account Management team to initiate merchant account setup and confirm activation for your account.