Retail Payment Processing

Retail transaction

Today’s retail environment has expanded well beyond the traditional brick-and-mortar operation that predominated for decades, and TransFirst® has kept pace by offering a full suite of industry-leading credit card payment systems, products and services merchants need to increase revenue, enhance their bottom lines and be competitive in the marketplace.

They include:


Point-of-sale terminals are the backbone of face-to-face (card present) credit card processing in the retail environment, and TransFirst offers a variety of state-of-the-art, fully-equipped, PCI-compliant terminals that make quick work of authorization, settlement and management of transactions.

Everything needed to process a credit card or signature debit card transaction can be found in a countertop point-of-sale terminal, including a magnetic cardreader, phone or Internet connection to the processor and a receipt printer. With the addition of a keypad, you’re ready to process PIN debit cards and EBT (Electronic Benefits Transfer) cards.

Mobile and Wireless Options

Credit card processing terminals have been constantly evolving to keep pace with a point of sale that has become increasingly diversified. Storefront merchants who rely on countertop credit card terminals with dial-up or IP connectivity will find that TransFirst offers a full range of state-of-the-art options to meet all their processing requirements.

As merchants diversify their operations, they are increasingly embracing new wireless and mobile processing technology. Both are ideal solutions for merchants who do business in locations where phone lines and Internet connections are unreliable or nonexistent.

Among TransFirst’s mobile processing options, ProcessNow® Mobile is specifically designed to meet the requirements of startups and smaller businesses operating out of one location with a few employees. This app-based solution transforms iPad miniTM or Google Nexus 7TM into a credit card terminal that can take you wherever you need to go for the sale. It can also supplement and expand upon our ProcessNow® Register option.

Wireless credit card machines free you up to accept credit card payments wherever you do business — even venues where connectivity used to be a problem. For example, if you sell at sporting events, outdoor venues, kiosks or food carts, open markets or convention sites, wireless processing gives you access to new customers and potential new sales.

Additionally, wireless processing reduces operating expenses and saves time. And with TransFirst, you can add to or update your wireless capabilities with Transaction Express®, our web-based centralized payment processing system.

Online Options

Whether you operating out of a storefront or online, our robust Transaction Express electronic payment gateway can handle your processing needs. Transaction Express can process swiped retail transactions of all major credit cards through its virtual terminal or through a custom integration using web services. Its IP-enabled point-of-sale system offers an end-to-end solution that’s efficient and reliable.

The benefits of Transaction Express include shorter lines and faster checkouts that are sure to keep your customers satisfied and, for merchants, a reduction in operating costs by eliminating multiple dedicated phone lines and consolidating service costs for broadband.

The payment gateway is continuously monitored for performance, and real-time online reporting is available by simply logging onto a secure website portal and entering your password. Redundant systems across geographic boundaries and optional dial backup capabilities help to ensure that you can keep processing even if your Internet service fails.


Low-volume MOTO (mail order/telephone order) merchants can tap into phone credit card processing from TransFirst that easily turns any touch-tone phone into a credit card processor, eliminating the need for additional equipment and software.

Telephone credit card processing is a very cost-effective solution for businesses that handle a small number of payment card sales, merchants who are on the go and businesses that want to keep their investment in equipment to a minimum. It’s accessible 24 hours a day/365 days a year, meaning your business never has a down moment.

Best-in-Class Processing

TransFirst handles millions of transactions every month across our networks, delivering best-in-class processing to meet your business needs. As the credit card processing industry continues to evolve, we’re committed to ensuring that you have the best processing solutions available, incorporating reliability, speed and security in every product and service we bring to market.

Whatever your retail credit card processing needs, look to TransFirst for the most reliable, secure and cost-effective solutions available. Get started today by completing the form on this page.

Marks are the registered trademarks of their respective owners and are not related to TransFirst.

Get Started Below

or Call 888.845.9457
Do you accept credit cards?
Are you a U.S.-based business?
What is your primary method of processing?
  • Your information is private and secure. We only accept U.S.-based businesses. We do not accept adult businesses


satisfied merchants, partners and vendors
See What Others Are Saying
Live Chat Risk-Free Trial


Chat with a Professional!

Your information is private
and secure.We only
accept U.S.-based
businesses. We do not
accept adult businesses.

©2017 Total System Services, Inc. TSYS® is a federally registered service mark of Total System Services, Inc. All rights reserved. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA, and First National Bank of Omaha, Omaha, NE. TSYS Business Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY for Visa and Mastercard transactions only.