Card payments

  • Useful for fast consumer and business transactions.
  • Can be accepted in person, online, mobile or remotely.
  • Processing cost varies by card type and transaction method.
  • Hardware and gateway needs depend on the sales channel.

ACH and bank payments

  • Useful for invoices, recurring payments and larger tickets.
  • Require accurate account information and clear authorization.
  • Return handling should be part of the workflow.
  • Settlement timing differs from card payments.

Mobile and field payments

  • Useful for contractors, delivery, events and field service.
  • Can use handheld readers, tap-to-pay or secure payment links.
  • Transactions should reconcile with the main reporting system.
  • Device and user permissions should be controlled.

Online and remote payments

  • Ecommerce gateways support web checkout and stored credentials.
  • Virtual terminals and payment links can support phone or invoice-based sales.
  • Fraud controls are important for card-not-present transactions.
  • Tokenization can reduce exposure to stored payment data.

Choose based on operational fit

  • Offer enough choice without overcomplicating the back office.
  • Compare total cost across the full payment mix.
  • Keep reporting and settlement manageable.
  • Review integrations before adding new channels.