What is a merchant account and integrated payments?
A merchant account is a service offered by merchant providers, and lets you accept EFTPOS or credit card payments for goods and services. Point of sale platforms which offer integrations with merchant processing (card payments) will, when you click the pay button, post the value of a sale to your merchant providers card swipe machine, pin pad or website, which then notifies the point of sale automatically if the payment was successful or not.
Note that integrated card payments for point of sale are slightly different from e-commerce payment gateways , in which the customer is directed to a payment page where they enter their own details (this is explained well on the Shopify website ).
However most merchant providers offer solutions for both point of sale integrated card payments AND e-commerce payment gateways. We don't have support for companies who only have eCommerce payments, like Stripe.
Does Vend offer integrated card payments?
Yes we do!
Vend currently offers integrated credit card or EFTPOS payments with merchant providers:
- iPad-specific payments with PayPal (US)
- Tyro in Australia
We have more to follow very soon. Details on configuring integrated merchant card processing with these services can be found here:**
PayPal (US - iPad only)
PayPal integrates with the Vend iPad app, allowing you to take debit, credit and mobile payments with PayPal Here and PayPal Local. As one of the most trusted payments providers in the world, PayPal offers a very simple and secure way to take payments in your brick and mortar store.
Australia’s only independent banking institution, Tyro brings you lower merchant costs, industry leading security, non-stop operation and superfast 3 second EFTPOS Transactions. Tyro is dedicated to helping merchants improve their business processes, manage their electronic payments and reduce the cost of their acceptance. Like Vend, Tyro has no lock-in contracts, and no set-up, break or cancellation fees.
To learn more about Tyro, click here or call +61 02 8907 1700
For help setting up, check out the article Tyro integrated EFTPOS for Vend point-of-sale .
What if my merchant provider is not yet supported?
We will over the coming months be internally releasing a limited number of additional merchant integration gateways, but with so many payment providers around the world, it wouldn't be prudent to try to build native integrations with every merchant provider.
However, we _ will _ be encouraging many more integrations by 3rd party developers via our payment platform has a public API. With a little, easy coding, it is possible for Vend customers to integrate our point of sale with just about any card processing service available.
There are a number of ways customers can seek to integrate Vend to their preferred merchant provider, via our payments API.
- Send us a feature suggestion
- Commissioning a custom integration via a software developer to integrate their current merchant provider with Vend payments API
- By requesting their current merchant provider write a 3rd party integration with Vend, through the Vend Payments API
Please note: although Vend credit card payment types include a URL field under 'advanced settings', simply entering your merchant provider's website or payments page will not enable integrated payments. Your provider must first be supported by one of the methods outlined above.
Can I still use Vend without integrated card payments?
Yes you can!
Many customers still use Vend without integrated card payments, by creating a manual 'payment type' (called, for example, 'credit card') and putting through any card sales on your merchant providers platform (card swipe, key pad etc) independently of Vend.