Card payments at the counter
Card present means taking payments in your shop: your customer pays at the counter with a physical card or phone on a payment terminal. LunaPay provides that card acceptance for high-risk businesses too, with terminals linked to your point of sale and multiple licensed acquirers behind the scenes, so your counter does not go down when one party backs out. Contactless, chip and pin, and fast settlement.
What card present is
Card present is a payment where the card is physically there, at the counter, through a terminal. That is the opposite of card not present, where payment happens online without a physical card. For a shop, coffeeshop or club, card present is the core: you want every customer to be able to pay at the till, quickly and without hiccups.
What you get
Payment terminals
Countertop terminals for the till and mobile terminals for at the table or on the move, matched to your business.
POS integration
Through LunaPay Bridge we link your terminal to your point of sale, so amounts come through automatically and your staff never type anything twice.
Contactless and chip
Tap, chip and pin, and phone payments, all as standard.
Multiple acquirers as backup
If one declines or stalls, another takes over instantly. Your customer notices nothing.
Fast settlement
Settled the next business day.
Your own contact person
Someone who knows your business, not a rotating call center.
Your payments keep running
For a physical shop, depending on a single party is the biggest risk: if that party drops you or goes down, you cannot take card payments. That is why we set up your acceptance across multiple acquirers, so your counter keeps running.
For which businesses
Card present is for anyone who sells at the counter and struggles to get card acceptance elsewhere: coffeeshops, smartshops and CBD stores, and cannabis social clubs. Combine your counter with a webshop and we add card not present without the hassle.
Where are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Live in three steps.
Book a video call
In a short video call of around 15 minutes we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and the certainty of multiple acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions
Can I take card payments as a high-risk business?
Yes. We arrange card acceptance at the counter, even if you have been refused or dropped elsewhere, with multiple acquirers as backup.
Which payment terminals can I get?
Countertop terminals for the till and mobile terminals for at the table or on the move, matched to your business.
Can I link my till to the card terminal?
Yes, through LunaPay Bridge we connect terminal and point of sale, so amounts come through automatically.
Do you support contactless payments?
Yes, tap, chip and pin, and phone payments are standard.
How fast do I get settled?
Settled the next business day.
What if my current provider drops me?
We take over your acceptance and set it up so you no longer depend on a single party.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for card payments at the counter.