Accept Credit Card Payments In-store

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’re 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. See also: High risk merchant services account

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Why choose High Risk Pay as your merchant services provider ?



We offer high risk merchant accounts to all business types in high risk categories.


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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’s 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 Up a Merchant Account

If you’re 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’re 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’re 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 High-Risk Pay!