Credit Card Readers

Point-of-sale (POS) equipment is a crucial part of almost every brick-and-mortar business in existence. As technology and the economy evolve, card readers become a more important piece of the puzzle. Staples offers a variety of these devices that suit all kinds of businesses with various functionality, mobility, and connectivity options.

Mobile sales
Portable credit card readers allow entrepreneurs to sell products and services on the go. These devices are available with Lightning connectors for use with iPads or iPhones as well as 3.5mm headphone-jack connectors for use with Android and Chromebook devices. These two variations typically only read magstripes. For chip or Europay, Mastercard and Visa (EMV) and contactless or near-field communication (NFC) payment methods, Bluetooth-enabled card readers are more suitable. These wireless devices are usually compatible with any brand of smartphone or tablet.

There are also portable POS systems. These devices typically include a tablet-like screen, Wi-Fi connectivity, and long-lasting rechargeable batteries that allow all-day use almost anywhere. Handheld POS systems include credit card swipers as well as EMV and NFC functions. Some models even have built-in printers.

Upgrading from cash-only POS
Bring an existing cash register into the 21st century with a USB-connected card reader. These function as add-ons to equipment already in use, which saves time and money compared to upgrading the whole system. By simply connecting them to a power outlet and USB port, your registers will be able to accept credit card payments. While they are not portable, these credit card readers are an easy, reliable, and necessary upgrade for any outdated cash-only systems. Some options read a variety of card types, which, for example, allows businesses in college towns to accept students' spending accounts as a method of payment. These models are usually are not capable of EMV and NFC payments.

Common access card readers
Common access cards (CACs) are growing in popularity in a number of industries. From identification cards in banks or healthcare offices, to government and military programs, these cards provide secure access to facilities and systems. The same technology provides limited access to hotel rooms and buildings on college campuses. CAC readers are, much like other card readers, available with various portability and connectivity options to suit the needs of any business that involves employee identification cards or even customer membership cards.

Are all portable credit card readers compatible with all mobile devices?
While many models are compatible with a range of devices, that isn't true for all of them. Be sure to check the product specifications on any device before purchasing. Some models only connect with certain brands of devices, and some are only swipe-enabled, not capable of reading chips or contactless payments.

Can any app or program pair with any card reader?
Some of these products, mostly the USB-enabled readers, can integrate with various POS programs. Many of them, especially the mobile devices, require sellers to use an app or program made by the same company, such as Square or PayPal. While these brand-specific apps offer many features and benefits, they will not integrate with an existing, third-party POS system. Always check product specifications before purchasing.

Is it worth it to invest in a chip reader or contactless card reader?
Most of the actual benefits of EMV and NFC technology are on the consumer end. Chip cards have better encryption technology than their magnetic-striped counterparts, and contactless payment hides the real card number altogether from POS systems. These technologies are safer for the consumer, but don't affect the seller. Meanwhile, credit card companies and banks are slowly phasing out swipe cards. It's always a good idea to stay ahead of the curve.