How to Manually Enter a Credit Card Payment?

How to Manually Enter a Credit Card Payment?

While credit card transactions generally only need the customer to swipe their card for approval, sometimes the situation is slightly more complicated. For example, sometimes clients make orders over the phone. Other times, credit card strips may be demagnetized, or there could be other damage to the card that prevents it from running correctly. Luckily, manual credit card processing is a simple task that requires only a few key steps.

For payments to be credited to merchant accounts, processors have developed a fairly routine method for accepting manual information. First, the employee handling the transaction should record the full name of their client as listed on the card, and match that against a valid form of identification. Then, as an extra form of verification for merchant accounts, employees should also record down the customer’s billing address. After getting this basic information about the customer, it’s time to record the card’s information.

The next step in credit card processing is recording account information off of the card. This 16 digit number can be found on the front of the card; along with that you should also record the card’s expiration date, which will later be required to run the transaction. In addition, on the back of the card there is typically a 3 digit security number.

If the transaction isn’t automatically recorded, it’s important to make a receipt. This helps to ensure records match against any auditing of merchant accounts. Employees should be careful to record all this information onto a separate piece of paper or over thermal transfer paper so the customer can have a copy as a receipt. Once employees have this information down, the information is ready to be further processed.

Credit card terminals vary from company to company, but usually first require manual entry of the credit card number, as well as the security code. Employees should be instructed to follow the prompts terminals give them, and consult with the terminal manufacturer if there’s any issue. These days, there are several options in addition to standard point of sale terminals, such as apps for smartphones. It can be tempting to request customers pay in cash or check, but merchants shouldn’t be worried when a transaction can’t just be swiped through with a card. Once the company understands the flow of a manual credit card transaction, it’s a simple chore to later authorize the funds.

The Basics of Payment Processing

New business owners or small businesses that only accept cash or checks may be wondering how they can start taking credit card payments. Credit cards payments are a great way to bring in more revenue and to increase sales that are made in the business. The business can also build a website to offer their products on and process credit card payments. Businesses that handle services instead of selling products can also benefit from merchant accounts with their online sites. They can set up payment arrangements with their customers and have them login to their website to make a payment with a major credit card. Any credit card payments made to the business would link back to their account, and the business would receive their money immediately.

Credit card processing is quite simple. There are several ways that it can be done. The merchant account can be set up online to process payments from an online site. There are also card readers that can be used on a computer or smartphone that will allow the business to swipe the credit cards. Once the credit card is swiped, the business will be able to put in the amount that is going to be charged to the credit card. Within a few seconds, the employee will be able to know if the credit card will be approved or declined for the purchase.

Each transaction that is processed through the card reader will be charged a fee. The fee amount is going to be a small percentage of the charged amount plus a set fee. The fees are based on the brand of major credit card the customer is using. Each credit card processing company sets their own fees and will explain the fees before the services start. Most companies will provide the card readers to the business for free. They may have a set amount of readers that they will provide the business.

When a business starts accepting credit cards, they will find that more customers are going to be able to buy their products or use their services. Individuals are starting to do away with carrying cash. Bank accounts are giving individuals the option to use a debit card to link to their bank account instead of having to write checks or carry cash. If businesses wants to see a huge increase in profits, they should highly consider getting credit card readers and starting merchant accounts.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today! (866) 837-0751

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

Call (866) 837-0751 for details.