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How do credit card terminals work?


When a credit card transaction takes place, the total amount owed is either entered manually into the card payment terminal or automatically sent through the connected till or Point of Sale machine. The customer inserts their debit or credit card and enters their 4-digit PIN code. The card terminal then processes the transaction by contacting the merchant bank and the customer’s issuing bank for authorisation. If details are validated and funds cleared, approval is sent back to the card payment terminal, the transaction is completed and a receipt is issued. This all takes place within a few seconds via an Internet or phone connection.

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