Accepting In-Person Payments
Whether you're running a storefront, restaurant, salon, or pop-up — in-person payments are still at the heart of many businesses. With Pepper Pay, you’re equipped to accept all major card-present methods using modern and secure hardware.
EMV Chip (Insert)
EMV stands for “Europay, Mastercard, and Visa” — the global standard for chip-enabled cards. These are now the default for most customers.
Why EMV Matters:
- Safer than magnetic stripe (encrypted, dynamic data per transaction)
- Helps protect you from liability on fraudulent transactions
- Supported on all Pepper Pay hardware
Tip: If a card has a chip, always insert instead of swiping. It's more secure — and some terminals will require it.
Magstripe (Swipe)
Swiping the magnetic stripe is still supported — usually as a backup option.
When It’s Used:
- Older or international cards without chips
- If a chip is damaged or unreadable
Swiped transactions are less secure and may expose you to liability for fraud. Pepper Pay devices are EMV-ready to help minimize this risk.
Tap-to-Pay (NFC / Contactless)
Customers can also tap their card or phone to pay using Near Field Communication (NFC) technology — a fast and secure method built into all terminals offered through Pepper Pay.
Benefits:
- Speeds up checkout
- No need to handle cards or phones
- Safer and touch-free
NFC transactions are just as secure as chip insert — and often even faster.
Apple Pay & Google Pay (Digital Wallets)
More customers are choosing to pay via their smartphones or smartwatches. With Apple Pay, Google Pay, and other wallet apps, they simply tap their device to your terminal.
Highlights:
- Encrypted token-based security (no real card number shared)
- Accepted via any NFC-enabled device
- Works for both in-store and online (if you offer eCommerce)
Digital wallets offer some of the highest approval rates and the lowest fraud risks among card-not-present methods.
Pepper Pay Tip:
All in-person payment methods — EMV chip, swipe, contactless, and digital wallets — are supported through our platform. We’ll help ensure your equipment and setup are ready for all of them from day one.
Final Thought from Pepper Pay
No matter how your customers prefer to pay — card, phone, online, or over the phone — Pepper Pay gives you the tools to accept it securely and confidently. We support every modern payment method, help you stay compliant, and ensure your funds move smoothly.
Have questions about your device setup or how to enable certain payment types? Just ask — we’re here to help.
support@pepperpay.com; 786-358-9338 option 3