Top Credit Card Terminals for 2024

The increase in real-time payments underlines businesses’ need to update and enhance their payment systems, particularly regarding payment devices and hardware. Equipping your business with the most current payment processing technologies is crucial to improving customer service. Small and medium-sized businesses prefer the best payment terminals available today. The current market for credit card machines offers advanced technology, improved connectivity, and strong security features. This blog will explore the top credit card terminals designed to handle the 2024 real-time payment landscape requirements.

Key Considerations for Selecting a Payment Terminal

Outdated payment terminals can result in long lines and potential security risks. Investing in a reliable credit card terminal is critical for sustainable business growth. Here are important factors to consider when making this investment.

• Multi-payment Compatibility

82% of adults in the United States have credit cards, totaling 214 million individuals. In fact, on average, Americans hold about four credit cards each, with half of the population owning two or more—but this is not the only preferred payment mode. Around 17% of customers prefer using cash for in-person purchases.

A terminal that doesn’t support various payment methods could deter 83% of potential customers. Ensure your terminal supports your customers’ payment methods, such as digital wallets (like Google Pay, PayPal, and Apple Pay), chip cards, and contactless options.

• Security Features

With the rise in online shopping, opportunities for fraudulent credit card transactions have increased. The value of attempted fraud has also grown significantly. To protect against these threats, choose terminals that offer robust security features, including PCI compliance and encryption technology.

• Ease of Use

Terminals should be straightforward to reduce staff training time and improve customer interactions. Choose a credit card terminal with an easy-to-use interface and comprehensive training materials.

• Integration with Existing Systems

Terminals that integrate smoothly with your existing POS systems and business software minimize disruptions and downtime. Look for products that offer easy data migration and compatibility with your current systems. Verify that the terminal’s features can accommodate your business’s growth and adapt to your operational needs.

• Cost-Effectiveness

Understanding the full range of costs associated with your payment terminal, from initial setup to ongoing maintenance, is crucial for preventing unexpected expenses.

Firstly, check if the vendor publishes initial setup costs online. If not, contact customer service directly for a detailed price breakdown. Next, consider the structure of monthly fees. Your expected transaction volume should be analyzed to ensure you choose the most cost-effective option. Also, it’s essential to closely examine the transaction fees, which may include processing charges and additional costs such as cross-border, chargeback, ACH transfer, and early termination fees.

Considering these factors will help you choose the right payment terminal, ensuring efficiency in in-store, online, and mobile payments processing.

Top Credit Card Terminals in 2024

As businesses evolve, efficient and secure payment processing is crucial for smooth operations. In 2024, several credit card terminals stand out for their advanced features and reliability. Here are the top options to consider:

1. PAX A80

The PAX A80 Smart Terminal stands out as an ideal credit card terminal for countertop and indoor business use, with its compact dimensions of 7.12 inches, 3.3 inches in width, and 3.19 inches in height. Designed for small to midsize businesses, the A80 offers a range of connectivity options and operates efficiently throughout the day, thanks to its robust design. Featuring a smartphone-like interface and a large 4-inch HD color screen, the A80 is remarkably user-friendly, even on the move.

It supports various payment technologies, accommodating traditional magnetic stripe cards, EMV chip-enabled cards, contactless payments such as Apple Pay, and even QR code transactions.

Additionally, the A80 is equipped to handle errors or customer refunds efficiently. If a mistake occurs, transactions can be voided before completion, and refunds can be issued to dissatisfied customers when needed. The terminal has an impressive array of features, including Dual/Comm, Dial-Up, a built-in contactless reader, support for multiple merchants, NFC capability, encryption, and multi-application support, making it a versatile and secure choice for modern businesses.

Key Features of PAX A80

• Portable Design: The Pax A80 is noted for its portable, smartphone-like build and a large 4-inch HD color display, making it highly practical for mobile use.
• Robust Software: It runs on Android 6.0, which is well-suited for processing payments. The user-friendly, app-based interface is enhanced by the PAXSTORE app store, which offers a variety of payment-related applications.
• Diverse Payment Options: Beyond its compact design, the A80 supports an extensive array of payment methods, from traditional magnetic stripe cards to newer technologies like Apple Pay, NFC, and QR code transactions.
• Long-Lasting Battery: The device includes an optional 720 mAh 7.4V battery, allowing it to operate all day without needing to connect to a power source.
• Manual Keypad and Touchscreen: The A80 features a vibrant screen that doubles as a touch interface, supporting digital signatures. For those who prefer physical buttons, the device includes a manual keypad at the bottom, offering raised buttons for input and giving users a reliable method of interaction.

2. Dejavoo P1

The Dejavoo P1 offers a comprehensive solution for processing credit card transactions, designed with the needs of merchants in mind. It is equipped with a variety of features to streamline daily operations, including a large touchscreen, a built-in scanner, and a camera. Additionally, its high-speed printer supports up to 50 feet of paper, ensuring efficient receipt printing and transaction recording.

The P1’s connectivity options are extensive, with WiFi, Ethernet, and USB ports available, allowing for flexible integration into various setups. The device boasts a 5.5-inch IPS display for clear, sharp images and easy interaction. A physical keyboard provides tactile feedback for quick data entry. For added convenience, it includes a removable lithium polymer battery, enhancing portability and reducing downtime during busy periods. This combination of advanced technology and user-friendly features makes the Dejavoo P1 a reliable choice for enhancing transaction processes.

Key Features of Dejavoo P1

• Omnichannel Payment Acceptance: The Dejavoo P1 terminal stands out as a robust solution for businesses looking to manage credit card payments across multiple channels effectively. It supports omnichannel payment methods, ensuring flexibility in how customers choose to pay, whether in-store, online, or through mobile devices.
• Compatibility With Other Software: The terminal is compatible with several software solutions such as Denovo, iPOSpays, and DVSPIn, allowing for versatile integration with different business management systems.
• Powerful Processor: The Dejavoo P1 is powered by a Quad-Core Cortex A53 processor clocked at 1.5 GHz, ensuring swift transaction processing crucial during high-volume sales periods. It features a removable lithium polymer battery with a capacity of 7.4V/2600mAh, providing reliable performance through extended use without the constant need for recharging.
• Enhanced Connectivity: The device includes options for Ethernet, WiFi, and USB, facilitating various setup configurations according to specific business requirements.
• Amazing Display Quality: It has a large 5-inch HD display with a resolution of 1280×720, using IPS technology for clear, sharp visuals from any viewing angle. This feature set makes the Dejavoo P1 a versatile choice for businesses looking to enhance their payment systems with a reliable, high-performance device.

3. PAX A920

The PAX A920 merges aesthetics with functionality, making it an ideal choice for many independent businesses that accept credit cards and other payment methods. This device boasts a 5.5-inch touchscreen housed in a frame measuring 6.92 x 3.07 x 2.6 inches, which also facilitates transaction tracking by individual staff members. It comes standard with WiFi and Bluetooth connectivity, with the option to include 4G. Running on the Android operating system, the A920 offers high-level connectivity, built-in NFC for contactless payments, electronic signature capabilities, and extensive memory. To operate this device, a merchant processing account is required.

The A920 Pro is tailored to meet the needs of various sectors, such as public transportation, hospitality, quick service, home delivery, and petrol stations. This device revolutionizes point-of-sale technology by integrating the comprehensive functionalities of an Android tablet with the robust processing power of a payment terminal, all within a sleek, portable design.

It is powered by Android 7.1 and features a Cortex A7 processor and multiple connectivity options, including 4G, WiFi, and GPS. The terminal has a 5250mAh battery, front and rear cameras, and NFC contactless capabilities. It also supports PIN entry directly on the glass and adheres to rigorous security standards with ATEX certifications and PCI PTS 5.x SRED, making it a revolutionary solution for modern payment processing needs.

Key Features of PAX A920

• Enhanced Connectivity Options: This device supports complete wireless operation through integrated 4G and WiFi capabilities, along with Bluetooth functionality, allowing for flexible connectivity in various environments.
• Refined and User-Friendly Design: The A920 stands out with its stylish, compact form factor, engineered for convenience and user comfort. It features a 5-inch HD touchscreen display (720 x 1280 resolution), enhancing customer interaction by simplifying the entry of PINs or signatures, all within a device that fits comfortably in one hand.
• Robust Security Features: The A920 has the highest security certifications, including EMV Levels 1 & 2 PCI PTS 5. x SRED and EMV Contactless Level 1, ensuring that it meets stringent security standards necessary for safe transactions.
• Versatile Dual-Camera System: Equipped with a rear-facing camera for scanning 1D and 2D barcodes and a 5MP front-facing camera, the A920 efficiently handles QR and mobile code payments, making it a versatile tool for all forms of transaction processing.

4. Dejavoo P5

The Dejavoo P5 is a versatile, portable credit card terminal ideal for use in various settings, including active retail spaces. It is lightweight and can be operated with one hand. The device accepts various payment types, including credit, debit, and digital methods, and facilitates contactless, chip & PIN, and magnetic stripe transactions to meet contemporary payment requirements.

The device features a 5-inch HD touchscreen that provides a clear and interactive user interface, improving interactions by displaying transaction details prominently.

It works with major payment platforms such as TSYS, which enhances its utility in diverse commercial settings. The P5 includes Bluetooth, WiFi, and 4G capabilities, allowing for consistent transaction processing in different locations. It runs on a Quad-core Cortex-A53 processor for efficient performance and uses Android 10.0, which accommodates numerous applications and software, including the iPOS Pays Gateway, to expand its payment functionalities.

Key Features of Dejavoo P5

• Enhanced Touchscreen Interface: The device features a 5-inch high-definition color touchscreen designed for clarity and responsiveness. It simplifies operations and improves efficiency, allowing users to operate the device effectively with just one hand.
• Powerful Processing Capability: Equipped with a Quad-Core 2.0GHz A53 processor, the device delivers robust performance and handles complex transactions swiftly.
• Multiple Payment Technologies: This payment device supports various payment methods, including EMV Contactless, chip and PIN, and magnetic stripe swipes.
• Ample Storage and Memory: With 8GB of ROM and 1GB of RAM, the device offers substantial storage space and efficient memory usage. This capacity ensures it can store significant amounts of data and applications and perform consistently under varying operational demands.
• External Printer Support: While the device lacks an integrated printer, it is compatible with various external printing solutions.
• Designed for Mobility: The device is designed for easy mobility and durability in diverse business environments. Its lightweight and compact form factor makes it easy to handle and ideal for transactions in mobile or outdoor settings.

5. Ingenico Desk 5000

The Ingenico Desk 5000 is a fixed-location credit card payment terminal that connects to power and the internet using an ethernet cable. It weighs 12 oz (340g) and measures 187 x 82 x 68 mm (7.3″ x 2.6″ x 3.2″). This terminal merges the features of smartphones and traditional bank card readers, allowing the download of both secure business applications (such as those for discounts, loyalty programs, electronic signatures, and virtual currency transactions) and standard payment applications.

Designed with an ergonomic layout, the Desk 5000 includes a clear 3.5-inch touchscreen. It supports various payment methods, including EMV chip & PIN, chip & sign, magnetic stripe, signature capture, and NFC/contactless payments. Additionally, it can integrate with your talech POS system to provide a secure and efficient checkout process.

Key Features of Ingenico Desk 5000

• Payment Flexibility: The terminal accepts all major payment types, including chip (EMV), swipe (magstripe), and contactless (NFC).
• Network Connectivity: Equipped to connect over a broad range of network types, this device supports ethernet, modem, 3G, GPRS, Dual SIM, Bluetooth, and WiFi, ensuring reliable connectivity under various conditions.
• User Interface: The device features an easy-to-use interface, a colorful touchscreen display, and a backlit keypad to enhance customer interaction.
• Software Management: Automatic software updates are provided, simplifying maintenance and ensuring the terminal runs smoothly.
• Transaction Settlements: Offers flexibility in handling transactions, allowing for manual or automated settlements at day’s end.
• Security: The terminal is PCI PTS Certified, with a secure Telium Tetra OS that employs advanced cryptographic methods. Additional security features include cable removal detection and Kensington locks to prevent theft.
• Environmental Considerations: The device is designed with sustainability in mind, featuring recyclable materials and reduced paper use thanks to digital receipt options and digitized documentation.
• Service Integration: The Desk/5000 is compatible with Ingenico’s range of services, facilitating access to back-office reporting and electronic receipt management alongside regular software updates and support, ensuring a smooth operation.

6. First Data FD150

The FD150 Terminal is designed for quick payment acceptance and supports the latest EMV chip-enabled devices. Its new design features a smaller footprint and a sleek titanium finish, ensuring high-quality credit card processing. It uses updated technology to offer a secure IP/dial-up platform. Compatible with numerous standard peripherals, the FD150 provides extensive versatility at a reasonable price, making it one of the quickest and most secure credit card machines on the market.

This terminal utilizes advanced technology to handle transactions with EMV cards, which contain a special security chip, enhancing transaction safety.

The FD150 Terminal supports rapid payment processing and is equipped for EMV chip-enabled payment devices. Its compact, sleek titanium design looks modern and provides robust credit card processing. Utilizing advanced technologies, it operates on a safe and secure IP/dial-up platform. The FD150 is compatible with numerous standard peripherals, offering great flexibility at a competitive price. It is recognized as one of the fastest and most secure credit card machines available.

This terminal employs advanced technology to process transactions with EMV cards equipped with a special chip that enhances security. Beyond this, the FD150 Terminal facilitates a comprehensive array of payment options, including credit, debit, gift cards, personal checks, and EBT, catering to various payment needs.

Key Features of First Data FD150

• Processing Capabilities: The FD150 accepts various payment methods, including ATM, debit, EBT, and checks, providing flexibility in transaction types.
• Security: The terminal supports EMV chip card transactions, significantly reducing the fraud risk. Additionally, it includes NFC technology for contactless payments, further increasing transaction security.
• User Interface: The FD150 is equipped with a touchscreen and a color display with a resolution of 320×240. This setup enhances user interaction, making operations straightforward and efficient.
• Performance: Powered by a Cortex A5 500MHz processor and equipped with 128MB of RAM, the FD150 ensures fast transaction processing. It features a high-speed printer capable of delivering receipts at a rate of 18 lines per second.
• Additional Features: The terminal is designed with three USB ports to facilitate the connection of various peripherals. It also includes a batch history feature and address verification service, which streamline and secure transaction processing.

Conclusion

Selecting the right credit card terminal is essential for businesses aiming to stay current with payment processing trends in 2024. The market offers various advanced options, each with unique features tailored to different business needs. The PAX A80 is ideal for those seeking a user-friendly interface and robust connectivity. The Dejavoo P1 and P5 terminals provide powerful processing capabilities and diverse payment options. For those looking for a blend of aesthetics and functionality, the PAX A920 is a versatile choice.

The Ingenico Desk 5000 offers extensive connectivity and user-friendly software management, while the First Data FD150 excels in security and fast processing. Equipping your business with one of these top-rated terminals ensures efficient, secure, and versatile payment processing to meet the demands of today’s fast-paced market.