Few retail businesses can survive without accepting credit cards.  In fact the landscape of customer payment is changing and in 2008 debit cards overtook credit cards as the preferred method of payment.

And then there's checks - there's always a customer that hangs on to the old days.

The options for processing your customers preferred payment method and credit cards in this environment (card present) are many. 

For sure though, each merchant will need a-

• Merchant Account - with competitive swiped and keyed rates for all discount levels including qualified, mid-qualified and non-qualified, or better yet, an interchange cost plus pricing model

And

• Credit Card Processing Equipment or POS -  can be standard phone line or internet credit card processing terminals and printers, or laptops and credit card readers, integrated POS Equipment with retail transaction processing software, check readers can be attached to any option for electronic check conversion etc.

XBS merchant accounts are compatible with most retail credit card terminals and solutions so using current or used equipment, that is PCI DSS compliant - is easy!