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A Retail Merchant Account is descriptive of a merchant who will be processing the majority of their transitions with the customer’s card present at the time of sale. Most commonly this can via a “swipe” transaction or contactless payment system.

Because the credit card is present at the time of the sale, there is less of a concern for fraudulent transactions. Due to this reduction in risk, Retail Merchant Accounts rates are among the best available.

For reference, this type of account may often be referred to as a swipe, CP, or Card Present account and serves as the foundation for rate structures common with markets, gift shops, restaurants, and many service based ventures.

What you should know about Retail Merchant Accounts

Having the credit card present at time of the transaction may reduce the likelihood of fraudulent charges, but there are many other important variables to consider when developing an appropriate rate structure for a retail merchant account.

There is a whole segment of merchant accounts that might be deemed as “high risk” based on the product type, service, or entity. For more information about this segment of accounts, please visit “High Risk merchant account” Section under "SERVICES".


Clover® Station is an all-in-one system with custom hardware designed specifically for POS software that helps you run your business better. Clover’s state-of-the-art technology eclipses what most merchants have known in the past. Clover combines your cash register, payment terminal and receipt printer in a single ergonomic package, and can be integrated with a suite of products including a pin pad, barcode scanner, kitchen printer, weight scale, and Asian character printer.

Accept EMV credit cards, debit cards, and Apple Pay. TransArmor® tokenization technology goes beyond EMV to make transactions even more secure by encrypting the transaction at the point of sale. Random number tokenization — completely removes cardholder information from the merchant by replacing the Personal Account Number (PAN) with a random token value.

Clover provides merchants with access to a huge library of applications in retail, restaurant and service to streamline their business. Choose the applications (apps) you want and simply download them similar to a Smart phone.

All security and application updates are done automatically in the Cloud. No more down time for updates and no unexpected expensive system or security updates. Ask a Passthrough Payments representative how Clover can revolutionize the way you do business.


We will be ready to talk about these changes on our call today. Hopefully you will have had the chance to read over these changes first so the call is productive. 

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