PRODUCTS & SERVICES

The Authorization Process
POS hardware terminals are keypad devices (like a telephone) equipped with a built-in magnetic card reader and modem. Retail – Storefront Merchants needing a credit card authorization must slide the magnetic strip of the card through the card reader, input the amount, expiration date, and zip code (cardholder address verification), and prompt terminal to dial out (toll-free) to obtain an authorization code. The terminal will display either an approval code, “card declined” or “call authorization center message.” The authorization process normally takes about 15-seconds.

POS virtual terminals work similarly to hardware terminals, but function as Client or Host. The client version is a software program residing within a merchant’s computer. The Host version is an Internet address where a merchant can go to complete a transaction. Virtual terminals can be manual requiring the merchant to input the transaction data from his or her physical business location, or automated whereby the cardholder inputs the data at a merchant’s site (see https://www.payready.net).

The Clearing and Settlement Process
Merchants running transactions throughout the day must close out the day’s credit card totals, AKA Batching. This process initiates the electronic movement of funds from a cardholders account to a merchants account.

POS Terminal Downloads
Each terminal type is unique and must be programmed with specific applications prior to a merchant being able to run transactions. For example, network processor protocols vary among each provider. Card One International merchants are placed on the Vital Processing Services Platform. Also, there are a wide range of business types. A standard retail store may not require tip adjustments like a restaurant would. Card One International insures all POS terminals are properly downloaded and ready to run transactions.

POS Hardware Terminals Sold and Supported

	Hypercom T7P The T7P is designed for upgrading authorization-only equipment and for merchants moving to data capture and debit applications. It features an integrated modular impact or quiet thermal printer.
	Hypercom T77 The Hypercom® T77 compact, high-performance terminal supports a wide range of applications including credit, debit and stored-value cards, as well as check and proprietary card processing. It is ideal for retail environments requiring very fast transaction times, for upgrading existing authorization-only equipment or for merchants moving to debit applications.
	VeriFone Omni 3200SE The Omni 3200SE makes the best-selling payment terminal in VeriFone’s history better. The terminal’s fresh new look and customizable faceplates add branding power to the point of sale.  An integrated printer with “clam shell” design provides drop-in paper loading, to prevent jams and reduce calls to your help desk.
	VeriFone Omni 3750 Verifone Omni 3750 terminal convenient, all-in-one design combines a mag-stripe reader, smart card reader, internal PINpad, and quiet, fast thermal printer. This makes the terminal easy to install and keeps your countertop clutter-free. And because it runs VeriFone's Verix multi-application architecture, you can support more than just electronic payment transactions.
	VeriFone Tranz 380 With TRANZ 380, you can expand the range of services you offer. It handles sophisticated applications that help you manage your business better. And it lets you accept debit (ATM) cards in payment for goods or services. TRANZ 380 also can electronically track your employees' time and attendance for more accurate payroll records and better resource management.  Machine is compatible with VeriFone Printer 250 and DataCard Silent Partner printers.
	VeriFone Tranz 380 x2 The VeriFone Tranz 380 x2 offers merchants an ability to process both credit cards and an additional application, such as debit cards or gift cards, without additional equipment. Compatible with the older Tranz 330 terminal systems. Machine is compatible with VeriFone Printer 250 and DataCard Silent Partner printers.
	NURIT 2085 A reliable and easy-to-use POS terminal that enables fast and secure card payment processing. Ideal for small and medium sized businesses.
	NURIT 8320 An all-in-one, MasterCard & Visa PED payment terminal, which supports a range of applications on one secure multi-application platform, it is the ideal solution for small and medium-sized businesses around the world.
	NURIT 8100 Specifically designed to meet the storage and security needs of today's merchants. Features a secure internal PINpad, high security standards and extra storage capacity.