Card Present (CP) refers to In-Store transactions or transactions done at the point-of-sale (POS) where the card is physically present. Across our portfolios, this represents approximately 80% of our total volume. These are usually the most inexpensive and secure type of transactions for our merchants. This is also where we can really shine with our feature set over our competition since we’re able to introduce industry-specific features that the generic providers can’t.
| Brand | Available |
|---|---|
| DiveShop 360 (360 POS) | ✅ |
| Atlantic Systems (ASI) | ✅ |
| Bottle POS | ✅ |
| C-Store POS | ✅ |
| CellSmart | ✅ |
| Cigars POS | ✅ |
| Comcash | ✅ |
| eTailPet (ETP) | ✅ |
| FrameReady | ✅ |
| IT Retail (ITR) | ✅ |
| Jewel360 (ASC) | ✅ |
| LifeSaver | ✅ |
| Markt POS | ✅ |
| POS Nation (POSN) | ✅ |
| POSIM | ✅ |
| PowderCoat360 | ✅ |
| Rain Retail (Rain Payments) | ✅ |
| TAKU (ACE) | ✅ |
| ThriftCart | ✅ |
| Brand | Available |
|---|---|
| Adyen | ✅ |
| Stripe | ✅ |
All App versions support CP payments.
Because of the lower risk with Card Present (CP) transactions, pricing with Flat Rate and Interchange Plus will be significantly less than the fees for Card Not Present (CNP). CP is also the only option for Interac and Cash Discounting pricing models. Custom rate negotiation is a possible option although only Sales should offer it. Usually custom rates are only applicable to merchants doing at least $20,000 per month in credit/debit volume in-store.
Rates can be found on the Profile page.
CP transactions can be tokenized if supported by the POS software and the first transaction to tokenize the card will be charged the CP rate. With that said, since the card won’t be present for the recurring charges, any subsequent payments are considered CNP and will be priced accordingly. For additional information about tokenization, see the article linked below:
For most merchants, they will receive one combined payout for CP and CNP transactions. The only exception to this is if the merchant requested unique MIDs (different processing accounts) for their in-store and online sales. This is a rare occurrence that doesn’t happen often.
The risk to merchants is significantly lower than CNP transactions however there is still a risk. Recently we’ve seen a growing trend of social engineering used to trick merchants or clerks into letting fraudsters walk out the door with expensive goods or services. We have documented tips that merchants can use to help protect themselves in addition to the protections we already offer and have built into our software.