Can Credit Card Terminals Process Debit Cards Also?
A credit card terminal is ordinarily meant for processing credit cards. Therefore you may not have any problem regarding processing of the credit cards. But all do not use credit cards. There are people who do not like to be indebted and they prefer debit cards. While the features of debit card are not much different from the credit card, there is no provision of payment by the provider if you do not have sufficient funds in your account.
Processing a credit card is easier with either the traditional or the wireless credit card terminal since you only have to swap the credit card or enter the number of the credit card in the machine. The case of debit card is different. You will have to provide the facilities of inserting their personal identification number or PIN in your credit card machine so as to activate the debit card. This makes your machine accessible for the customer and while he is concerned about the privacy and secrecy of his PIN, you are concerned about the safety of your machine and data stored in it.
To address such problems efficiently, the manufacturers have now come up with additional PIN pads that allow you to retain your terminal or wireless credit card machine safely tagged behind the counter while the customer enters his or her PIN in the machine through the additional pad. Once these security aspect are taken care of your terminal can easily process a debit card transaction just like the credit card dealings.