Card Swiping: Is it Illegal?

credit Card Swiping machine
credit Card Swiping machine

A credit card swiping machine is a device that allows users to swipe a credit card’s magnetic stripe through a slot and enter a personal identification number (PIN) for verification.

These devices are typically seen at a retail store’s point-of-sale (POS) to process credit and debit card transactions.

This article provides information about card swiping, and how card swiping machine works. Carefully read through!

What exactly is a Card Swipe Machine?

A card swipe machine is a device that reads a card’s magnetic stripe and extracts information from it. 

A credit card reader used with a cash register is the most prevalent type of card swipe machine. Debit card readers and ATMs are two more types of swipe machines.

Several card swipe machine models can be used for various purposes, such as the card swipe machine for sale, card swipe machine for rent, and card swipe machine for buy. 

The card swipe is simply one of many payment processing technologies used at POS. Other devices include magnetic stripe card readers, point-of-sale terminals, barcode scanners, etc.

Why Is a Card Swipe Machine Necessary?

Means and modes of payment develop as technology progresses and becomes more convenient.

When you own a business, you understand the importance of investing in innovative technology and using innovative money collection methods.

A magnetic card reader is a critical piece of technology in today’s corporate sector. Card swiping, often known as card reading, is a simple method for businesses to receive payments.

Contactless payments are becoming more widespread today, yet according to statistics, everyone carries at least one card with them at all times because card payments are accepted everywhere.

Some individuals still believe that the swipe method is a little archaic. Still, the standard justification for using the old-fashioned swipe machine is that it is the most convenient and is what people are accustomed to.

Simple Instructions for Installing a Card Swipe Machine

You’ve probably seen how a card swipe machine simplifies card payments. It just takes a few seconds from swiping to a completed transaction, yet this is a multi-step procedure on the backend. Let’s wait and see what happens in front of us.

The customer first hands over their debit or credit card, which is then swiped against a magnetic card reader by the staff. 

The cardholder then inputs a Personal Identification Number (PIN) as an approval for the transaction, depending on the card type. The payment is processed, and a debit receipt is issued.

Read Also: WHAT IS AN OUTSTANDING BALANCE? How Does It Affect Your Credit Card?

How Card is Swiped

The card is first swiped against a magnetic reader, which encrypts the code and reads the card data. 

It identifies the bank account and electronically communicates the data via an established network account to the merchant account. 

The card reader is waiting for approval while the data is transmitted to the bank to authorize payment. 

The bank gives its approval, and the transaction is accomplished after detecting the payer’s information and validating the transaction with the correct PIN.

A card swipe machine is simple to operate and install. There are a few steps involved in the payments. 

If you own a small business and find it difficult to accept credit cards, investing in a card swipe machine may be time. 

A card swipe machine is an expensive investment, but it will save you time and money in the long term. Here’s how to quickly set up a card swipe machine.

Selecting a Machine

Even before you bother with installation, selecting the type of swipe machine is critical. Depending on the type of equipment, you can either buy a new one or add a card swipe machine to your existing POS system. 

Third-party integrations for card swipe machines are sometimes permitted by point-of-sale systems. 

Card swipe choices vary by POS Type; some impose monthly leases or transaction fees. Before you make a purchase, double-check all the terms.

Charging and Linking

Most card swipe machines are wireless and may run for up to 15 hours on a single charge, though this varies by machine type. As a result, once you have the device, connect it and charge it.

Install and connect Merchant Account Information

Once you’ve decided on a machine, you’ll need to install it and connect it to your merchant bank account to accept payments. 

You must first connect it to the internet by wi-fi or a SIM card, just as you would with a mobile phone. 

When the connection is established, you can join the gadget to your bank account. 

Depending on your bank and the card machine company, this process could take two days.

After the account is linked, all payments made with the card swiping machine are automatically sent to the registered account details. 

If you are acquiring the machine from a banking partner with whom you do not have an account, you should discuss matters such as opening a new bank account. If you use one of the banks’ card swipe machines, you may be required to open an account with them.

Create a PIN

Using a POS machine usually asks for a Personal Identification Number for security reasons. 

After you’ve finished attaching the machine to your bank account, you’ll be prompted to create a PIN. 

This is usually a four or six-digit number that must be entered each time the machine is set up.

Begin Swiping

Now that the machine is ready, you may begin accepting debit and credit card payments. It is also worth noting that many payment terminal devices support contactless payments. 

The devices, for example, provide integrations for contactless credit card processing and QR code scanners to facilitate payments. 

When selecting a device to aid in your small business setting, you should consider such extra functions.

Read Also: LINE OF CREDIT VS CREDIT CARD: Definition And Differences Explained

Types of Best Card Swipe Machine

The following are some of the best card swipe machines:

SumUp Air

If you’re looking for a low-cost card machine, SumUp Air is excellent. There are no setups or delivery fees; buy the machine, and you will be paid a fixed rate of 1.69 percent for every transaction. 

SumUp’s pay as you go model means that you don’t have to pay anything if you don’t take any payments. The machine has all the essential capabilities required to accept card payments via the free SumUp app. 

The machine is essential and modern, with a user-friendly design that accepts both PIN and contactless card payments. 

Payments will clear in your bank account within 1-3 days, which is relatively quick compared to other providers. 

SumUp may be just what your business needs if you seek a card processing machine with no monthly fees.

iWL251 Ingenico

Although they are classic countertop card PDQ machines, they are entirely movable and may meet the needs of many small businesses. 

The PDQ is small enough to fit in a pocket and accepts PIN and contactless payments from all major credit cards. 

It is one of the best card machines for small businesses that need to accept payments rapidly and reduce wait times.


This is one of the most recent card readers on the market in the UK, offering a variety of handy features for small business users. 

There are several MyPOS devices to select from, with the MyPOS Go being the most basic and the MyPOS N5 being the most expensive. 

Card payment costs are in line with other small business machines, with a flat rate of 1.75 percent per transaction. 

Reader iZettle

Because the iZettle card reader is adaptable, it accepts any card reader’s most diverse range of card payments. 

The machine itself is elegant, with consumers able to select between white and black as the color option. 

This app includes several new features, such as linking to an eCommerce website. 

The fee for processing payments is fixed at 1.75 percent. Whether clients pay with a chip and pin or use contactless technology, this is true. 


If you like to work with a well-known company, the PayPal Here card machine may be the ideal solution for allowing your business to take card payments. 

PayPal is well-known for its online payment services, and they have made significant strides in mobile card payment options. 

In addition to Android Pay and Apple Pay, Paypal Here, the point of sale and mobile card reader, will take payments from all major credit cards. 


What is card swipe machine called?

A payment terminal, also known as a point of sale (POS) terminal, credit card terminal, EFTPOS terminal.

What are the best card swiping machine?

Here is the best card swipe machine:

  • Sumup Air
  • iWL251 Ingenico
  • MyPOS
  • Reader iZettle
  • Paypal

How Do Card is Swiped?

To swipe card follow the steps below;

  • Selecting a Machine
  • Charging and Linking
  • Install and connect Merchant Account Information
  • Create a PIN
  • Begin Swiping
" } } , { "@type": "Question", "name": "What are the best card swiping machine?", "acceptedAnswer": { "@type": "Answer", "text": "

Here is the best card swipe machine:

  • Sumup Air
  • iWL251 Ingenico
  • MyPOS
  • Reader iZettle
  • Paypal
" } } , { "@type": "Question", "name": "How Do Card is Swiped?", "acceptedAnswer": { "@type": "Answer", "text": "

To swipe card follow the steps below;

  • Selecting a Machine
  • Charging and Linking
  • Install and connect Merchant Account Information
  • Create a PIN
  • Begin Swiping
" } } ] }



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