Learn About Accepting
Credit Cards at Retail Store
Get the information you need to accept
swiped credit cards at your retail store.
Accept credit cards with your iPhone,
Android or iPad.

Accepting Credit Card at Retail Store

If your nonprofit organization would like to accept credit cards when you are face to face with customers at a store, you will need a retail merchant account. With a retail merchant account and a credit card terminal (wired or wireless), you can give customers the option to use their credit card to purchase products from your retail store.

Bluewater can help your nonprofit organization set up a merchant account and accept credit cards for less money than you ever thought possible.

How Accepting Credit Cards at a Retail Store Works

The illustration shows how a nonprofit organization can accept credit card purchases at a retail store.
  1. The nonprofit organization slides (swipes) the donor’s card through a wired or wireless credit card terminal and enters the sale amount. The terminal then connects to Bluewater’s processor for authorization.
  2. The processor passes that information onto the bank that issued the credit card where the bank checks to see if the card is valid and see if the sale amount is available on the card.
  3. The issuing bank sends back an authorization number or a decline message to Bluewater’s processor.
  4. The information is passed back to the credit card terminal which prints a receipt for the customer to sign if the card is approved. It takes less than 15 seconds to complete steps 1-4 on a credit card machine using a phone line. A wireless terminal connected to the internet can cut this time to just a few seconds.
  5. At the end of the day the nonprofit organization must "settle" or "batch out" their terminal which will begin the final process of the transaction. In most cases Bluewater can automatically settle the transactions at a specified time each day. Once the settlement process is initiated the funds are transferred from the card issuing bank and are electronically deposited into the nonprofit organization’s bank account. It typically takes no more than two business days from the time of the original transaction for the funds to reach the nonprofit organization’s account.

For more information on how you can accept credit cards to purchase products from your retail store, call 1-866-519-9624.

Learning Center Learn more about accepting credit cards for donations or sales.