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Payments

Card-present payments explained for retail stores.

What chip, tap, and swipe mean for rates, receipts, and settlement review.

Card-present vs keyed entry

Card-present transactions use a physical terminal at the counter. Keyed or online entry is a different risk and pricing category. Cinder’s Deluxe integration is designed for supported in-store chip, tap, and swipe payments.

What to review before you switch

  • Published example rates by plan and card brand
  • Whether each register gets its own terminal ID
  • How refunds and settlements appear in your back office
  • What remains controlled by your merchant agreement

Cinder publishes starting in-store rate examples on the Solutions page. Final rates require merchant approval.

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