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Credit Card Processing Equipment

Getting a merchant account is just the first step. Now find out what kind of equipment you'll need to process credit card payments.
September 24, 2001

Q: I want to accept credit cards online and by telephone as payment for my products. What kind of equipment do I need?

A: To compete in an online environment, you need a fast, secure transaction processor you can trust. To process your transactions safely, securely, quickly and affordably, you need the virtual (i.e., not physical) equivalents of point-of-sale hardware and software to process credit card and check transactions in a non-face-to-face environment, such as in cyberspace or over the telephone.

Next Step
Learn more about setting up a secure site with Secure Electronic Transactions: Introduction and Technical Reference by Larry Loeb.

You need to be sure your transaction processor provides you with the right products and services to conduct business online:

There are other payment-posting tools for more sophisticated Web sites to enable them to conduct e-commerce. These tools integrate quickly and easily into your Web site, with a full range of payment options and compliance elements (i.e., to help you comply with MasterCard and Visa rules and regulations).

Options found in various types of shopping carts may let your customers review:

You will find that setting up an online or mobile business offers exciting opportunities. For more information about establishing a merchant account for an Internet, mobile or a traditional business, please e-mail me or visit the Cardservice International Web site and click on "Online Inquiry."

Tim Miller is COO of Cardservice International and has more than 15 years of experience in the credit card processing industry.

The opinions expressed in this column are those of the author, not of All answers are intended to be general in nature, without regard to specific geographical areas or circumstances, and should only be relied upon after consulting an appropriate expert, such as an attorney or accountant.