A "card present" merchant account is any merchant account in which the credit card and customer are present at the time the credit card is swiped through the terminal or magnetic card reader.

A wireless merchant account is a one that is used with a wireless credit card terminal. This type of account allows a merchant to accept credit cards on the go and obtain a real-time authorization for the transaction. Wireless accounts have low rates and fees like retail merchant accounts but the monthly fees are higher.

A retail merchant account is one where the majority of a selling payment processing transactions are physically swiped through a credit card terminal that is connected to a land line phone. Retail merchant accounts have the lowest discount rates and transaction fees and are the most common type of merchant account.

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