Retail or Swiped Merchant Accounts

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"Swiped” merchant accounts. also known as retail merchant accounts typically have lower discount rates because it requires a face to face interaction with the customer and their credit card to be physically swiped through a credit card machine when a purchase is made.

Retail merchants like your local department store, restaurants, hotel or lodging, and mobile merchants with a wireless credit card machine are some examples of swiped merchant accounts.