Credit and Debit Card Processing
Let’s start with the type of payment processing
you’re probably the most familiar with.
As consumers move away from carrying cash, accepting credit and debit card payments is an absolute must for retailers — grocery stores included.

To effectively accept these payments, you’ll need a credit and debit card processor. This provider acts as the bridge between your grocery store’s bank account and your customers’ account, facilitating the transfer of funds when your shoppers make a purchase.
When evaluating card processors, here are a few key requirements to keep in mind:
- Low transaction fees
- Fast, secure payments
- Integration with an all-in-one POS system
We’ll give a more detailed explanation of how to choose the right credit card processing provider later in this guide, so stay tuned.
Contactless Payment Processing
Contactless payments have surged in popularity in recent years — and the momentum won’t be stopping anytime soon. Experts predict that contactless payments will grow 130 percent in the next few years!
Before we dive into the advantages of accepting contactless payment, let’s briefly cover what contactless payment is.
Contactless payment allows customers to complete a transaction without physically inserting or swiping their card into your store’s PIN pad. Instead, they can simply tap their card or their mobile device to pay for their items.
Choosing a contactless and eWallet processor to accept tap-to-pay, Apple Pay, Google Pay, and Samsung Pay has several benefits for you and your customers, including:
- Faster, more secure transactions
- Higher customer satisfaction
- Shorter checkout lines
Accepting contactless payment is crucial for future-proofing your grocery store and ensuring the most convenient experience for your customers, so make sure that your payment processing solution allows you to accept this payment method.
Check Processing
While checks might seem like a relic of the past, many shoppers still prefer this payment method over more modern options. To appeal to the widest possible range of customers, choose a processor that allows you to accept checks quickly and easily.

Let’s take a look at the two main factors to consider when choosing a check processor:
- Speed: Since transactions involving checks can be more time-consuming than other payment methods, evaluate your options according to their speed and accuracy. Ensure that your machine will be able to read checks quickly.
- Compatibility: Your check processor should be fully compatible with the rest of your POS system to ensure accuracy and convenience when accepting check payments.
Choosing a fast, reliable check processor that integrates with your POS system will prevent costly slowdowns in your checkout wait times — and give your customers the widest range of payment options.
Cash Payment Processing
Your grocery store’s cash register is a fundamental but often overlooked tool in your small business toolbox. For quick, safe transactions, you need a modern cash register that integrates with your grocery store’s POS system.
Choosing a cash register that’s fully integrated with an all-in-one grocery POS system will keep your lines short by facilitating quick cash transactions, protect your bottom line by making transactions more accurate, and make accounting for your day-end sales easier.
EBT Payment Processing
EBT payment processing is a unique feature that is vital for grocery stores. EBT, which stands for Electronic Benefits Transfer, is how beneficiaries of the Supplemental Nutrition Assistance Program (SNAP) can pay for their groceries.
Before we look into how you can accept EBT as a payment in your grocery store, let’s cover why you should consider implementing an EBT POS system:
- Accepting EBT expands your customer base, allowing everyone in your community to shop at your grocery store.
- Accepting EBT strengthens your community’s trust in your small business and highlights how welcoming you are to all shoppers.
- By accepting EBT, you’re able to share nutritious, delicious groceries with those who need them most.
If you’re hoping to add EBT payment processing to your toolbox, look for a payment processing provider that makes accepting EBT as simple as accepting any other type of card payment.