Credit Card Processing

Getting your credit card processing set up and functional involves a few steps, a basic understanding of your credit card reader, and familiarity with running a credit transaction at the register. Here, we’ll take you step by step through setting up credit card processing.

Table of Contents

Set Up Credit Card Processing

The first step towards accepting credit cards at the register is to select a processor and integrate your processing with ShopKeep.

EMV processing is currently only available to ShopKeep Payments merchants using an eligible card reader. Learn more here.

  1. Pick a credit card processor.

    ShopKeep proudly offers a payment processing solution, ShopKeep Payments. ShopKeep Payments has competitive pricing with no long-term contracts. To learn more, visit shopkeep.com/payments.

    Select eligible merchants may see a landing page directly in their BackOffice.

    Already have ShopKeep Payments? Learn how to read statements, run reports, & calculate your all-in rate here.

  2. Connect your processing with ShopKeep.

    If you have an existing credit card processor, ask a representative from your processor to fill out our ISO boarding form. We’ll process the form, test your credentials, and send you an email when setup is complete. Once you get the email, you’ll need to open a new register shift and run a test transaction.

Using ShopKeep Payments as your processor? You can skip step 2!

Credit Card Readers

Merchants need an encrypted reader from our online store to process credit cards in ShopKeep. Here are our supported readers:

Ingenico iPP Series

  • The iPP320/iPP350 plugs directly into a router and connects to the register over WiFi.
  • Accept Apple Pay and EMV at the register with compatible processors.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Easily process credit, debit (no PIN entry required), and gift cards.
  • Learn how to set up the iPP320/iPP350 here.
  • The Link/2500 connects wirelessly to the iPad via Bluetooth.
  • Accept Apple Pay and EMV at the register with compatible processors.
  • The Link/2500 is only available to merchants processing credit cards with ShopKeep Payments, Chase, or First Data.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Easily process credit, debit (no PIN entry required), and gift cards.
  • Learn how to set up the Link/2500 here.
  • iDynamo

  • The iDynamo connects directly to the charging port of the iPad for plug-and-play functionality.
  • Easily swipe credit, debit (no PIN entry required), and gift cards.
  • Learn how to set up the iDynamo card reader here.
  • Clover Mini

  • The Clover Mini All-in-One Credit Card Reader and Printer bundles a credit card reader, receipt printer, and customer display into a single piece of hardware.
  • This device is available to eligible ShopKeep customers using ShopKeep Payments.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Accept EMV, Apple Pay, and various contactless payments.
  • Easily process credit and debit cards (with or without PIN entry).
  • This device is designed to sit on a countertop and must stay plugged into power.
  • Learn how to set up this Clover device here.
  • Clover Flex

  • The Clover Flex All-in-One Credit Card Reader and Printer bundles a credit card reader, receipt printer, and customer display into a single piece of hardware.
  • This device is available to eligible ShopKeep customers using ShopKeep Payments.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Accept EMV, Apple Pay, and various contactless payments.
  • Easily process credit and debit cards (with or without PIN entry).
  • This device has a rechargeable battery that supports multiple hours of use on a full charge.
  • Learn how to set up this Clover device here.
  • Run a Test Transaction

    After we let you know your processing is set up, run a sale to make sure everything works properly. Create an open priced item that can be used to charge any amount, then ring up that item at the register.

    Processing credit cards requires an active internet connection if Offline Credit Payments are not enabled. Have questions about processing credit cards? Visit our Advanced Topics FAQ for help.

    1. Create an open priced item in BackOffice or the iOS ShopKeep Register app (must be on v4.0 or above).
    2. Ring up $0.01 using the item created above, then tap ‘Credit’.
      Click to Enlarge
    3. Swipe, tap, or insert a card or use Apple Pay.

      Do not use a card issued in your personal or business name as this may result in an error.

    4. If prompted, sign the screen and tap ‘Next’.
    5. Tap 'No Receipt' to finish.

      Funds accumulate in the gateway and batch automatically the next morning.

    6. (Optional) Perform a return to refund the test transaction.

    Having problems running cards? Visit our Credit Card Troubleshooting Guide.

    Have some more questions? Check out our Credit Card Processing FAQ.


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