What makes the acceptance of credit cards different from other payment devices is that there are so many parts to the jigsaw, all are necessary but all are different, to help understand this world better we have put together a glossary of terms;
What factors do I consider to accept credit card payment in an unattended environment?
Acquirer / Gateway
We recommend you first consider the Acquirer, are you set on using a particular acquirer? If so we can advise who has a solution with that acquirer, it is not the case that every payment gateway will have a solution with every acquirer. If the acquirer is not pre-set then select a payment gateway, they will have a list of supported hardware devices. The payment gateway will provide their software that interfaces between the payment hardware device and their processing centre, this reduces the requirement to develop your own software from scratch, it’s not plug n play but saves a massive amount of work.
Hardware devices are designed for two environments, indoor and outdoor, the hardware you choose should be suitable for the environment it will be used in, unattended devices are built to a different standard than indoor devices, they are designed to withstand moisture ingress, temperature extremes and impact attacks, they have in built tamper switches which activate if an attempt to open the device is detected and have a password controlled activation mechanism. All new devices will conform to PCI PTS 3.x or above which is the security standard for hardware devices as defined by the PCI.
There are different combinations of hardware available; you will need to consider the devices that suit your application best. Devices available are;
Having all three devices will cover all possible options for card payment, but not all transactions require a PIN entry as the transaction value may be under the limit where a PIN is necessary, in this situation you could not have a Pinpad and thereby have a lower hardware cost.Some manufacturers have a modular product, i.e. each device is separate and connected via cables and some solutions are all in one’s, i.e. a card & contactless reader in one device. You can see the different form factors on our website under products.