Terminals

Dharma offers a wide range of terminals from Verifone, Ingenico, Dejavoo, First Data and Clover, and includes a free Virtual Terminal with every account.

Jump to the terminal hardware.

FD-150

Is a terminal required?

If you’re accepting credit cards in person, a credit card terminal is usually the best option – but not always!  Typically, we recommend credit card terminals for merchants who are in the following categories:

  • Low-average-ticket merchants usually prefer terminals. This is due to the fact that terminals process quickly, and can be configured to not require a signature. This means that quick-service merchants or retailers with long lines will usually prefer terminals.
  • If you’re physically swiping the credit card the majority of the time. Merchants who are keying-in most of their transactions may benefit more from a Virtual Terminal.
  • If your customers require a paper receipt. Many non-profits need to provide receipts to donors, and a standalone terminal is the easiest and fastest way to provide them.

Hardware terminals versus a Virtual terminal

Hardware terminals offer the convenience of everything in a single package: swipe, chip reader, printer. A virtual terminal offers more flexibility, however, because it can be used from most any device, and in almost any situation where you have access to the internet and a browser, including mobile devices running Android and iOS / iPadOS.

However, a virtual terminal is just that, virtual, and you input the card rather than swipe it or read the chip. This typically means the transaction processes as card-not-present, and is therefore charged a slightly higher interchange rate than for a similar card-present transactions. You can get around this by adding a card reader to your virtual terminal setup: either a USB swiper for desktops, or a Bluetooth swiper and chip reader to a mobile device.

Terminals versus a Point of Sale system

A Point-of-Sale (POS) system can be invaluable to certain types of merchants, and is a “must have” in certain retail/restaurant industries. However, many businesses will have little to no use for a POS, since they aren’t customer-facing or they don’t have fast-moving inventory levels. The majority of businesses can get by with a hardware terminal, or a virtual terminal.

However, for mobile-first merchants, the line becomes a bit blurred as few terminals support 4G or have built-in batteries, whereas a virtual terminal on a mobile device or a dedicated mobile POS such as Clover Flex may better suit your needs. Ultimately the decision on hardware terminal, virtual terminal or POS all come down to your business and your primary mode of interacting with your customer.

Terminals offered by Dharma


Dharma offers a range of hardware / countertop terminals from Verifone, Ingenico and First Data.

Verifone Engage V200c Terminal: $229

The Verifone Engage V200c is well known as one of the most reliable terminals in the industry. It has all of the major features you’d expect – EMV acceptance, IP/Dial-up connectivity, an internal PinPad for PIN-debit transactions, and a familiar menu structure for merchants who’ve utilized the Verifone product line in the past. See a full feature list:

  • Internal Ethernet (IP) connection as well as a dial-up phone line, so you can choose how you want to connect. (No WiFi connection)
  • Internal PIN-pad for taking PIN debit sales.
  • Chip+PIN and Chip+Signature is available with the V200c.
  • EMV tip adjustment, so that you can take tips on your EMV sales
  • Accept contactless (NFC) payments like Apple Pay.
  • V200c terminals can be setup as “Multi-merchant” terminals so that multiple businesses can share the same terminal.
  • Color back-lit screens and keys make for quick and easy inputting of sales.
  • Easy-to-use menus and user-friendly controls make this terminal a fast favorite.
  • Allows for B2B acceptance for level 2 rates
  • This terminal uses 74′ paper rolls, with a “drop in” loading technology.
  • Verifone stands behind their products with a 1 year warranty.

Verifone Engage V200c: Just $229

FD-150

Full-Featured FD-150 Terminal: $295

The FD-150 is First Data’s flagship new terminal, allowing merchants to accept Chip+PIN as well as adjust for tips on EMV sales. This terminal is perfect for restaurants or any fast-paced business, and has all of the most desirable features offered in standalone terminals, including a WiFi credit card reader. Please note, this terminal is only available on the First Data platform. With the FD-150, you can accept every form of payment, in the most secure way possible:

  • Accept EMV (chip) sales and magnetic stripe cards
  • EMV tip adjustment, so that you can take tips on your EMV sales
  • Allows for Chip+PIN, for the most secure transaction possible
  • Connect via IP or Dial, or utilize a wireless (WiFi) connection
  • Color, touch screen for quick and easy navigation
  • Take NFC payments, such as Apple Pay and Google Wallet
  • Easy-to-read receipts and simple drop-in paper loading
  • Easy-to-print batch reports, server reports, and tip reports
  • Automatic over-the-air updates
  • Simple, straight-forward menu structures
  • Connects to optional RP-10 customer-facing PinPad for an additional $185
  • Allows for lodging application, B2B acceptance for level 2 processing, and other upper-level features
  • See an interactive demo here

FD-150 Terminal $295

Ingenico Desk/5000: $425

The Ingenico Desk/5000 is focused on payment in all forms. Merchants can rely on a catalogue of over 2,500 payment apps that cover the different ways that consumers want to pay and get rewards. Desk/5000 is a highly resilient and robust terminal optimized to improve checkout times and accept multiple payment options, including B2B card present transactions . This model can meet the most demanding use cases, turning the point of sale into a point of service. Accept every form of payment, in the most secure way possible:

  • Accept EMV (chip) sales and magnetic stripe cards
  • EMV tip adjustment, so that you can take tips on your EMV sales
  • Allows for Chip+PIN, for the most secure transaction possible
  • Connect via IP or Dial, or utilize a wireless (WiFi) connection; the Move/5000 also offers 4G cellular connectivity
  • Color, touch screen for quick and easy navigation
  • Take NFC payments, such as Apple Pay and Google Wallet
  • Allows for B2B acceptance for level 2 processing, and other upper-level features

Ingenico Desk/5000 Terminal $425

Dejavoo Z11 for MX Advantage: $295

The Z11 countertop payment terminal provides an easy to use EMV payment experience for every business owner. With easy access to frequently used options in the “Favorites” Menu, and direct integration with MX Advantage for transaction surcharging, merchants love the ease of use of Dejavoo Z11. Please note, this terminal is only available for the TSYS platform. Accept every form of payment, plus implement surcharging, in the most secure way possible:

  • Accept EMV (chip) sales and magnetic stripe cards
  • EMV tip adjustment, so that you can take tips on your EMV sales
  • Allows for Chip+PIN, for the most secure transaction possible
  • Connect via IP or Dial, or utilize a wireless (WiFi) connection
  • Color, touch screen for quick and easy navigation
  • Take NFC payments, such as Apple Pay, Google Wallet, Visa payWave, and MasterCard PayPass
  • Designed to integrate with MX Advantage to seamlessly automate transaction surcharging

Dejavoo Z11 Terminal $295

Compare Terminals Below

V200c Verifone
Verifone Engage V200c

Are-terminals-required-Why-do-I-need-a-terminal?-
FD-150

Ingenico Desk/5000Desk/5000

Dejavoo Z11
Z11

Chip (EMV) capable Chip (EMV) capable Chip (EMV) capable Chip (EMV) capable
No Monthly Fees No Monthly Fees No Monthly Fees No Monthly Fees
Connects via Dial/Internet Connects via Dial/Internet/WiFi Connects via Dial/Internet/WiFi (optional 4G) Connects via Dial/Internet/WiFi
Chip+PIN acceptance Chip+PIN acceptance Chip+PIN acceptance Chip+PIN acceptance
EMV Tip-Adjust EMV Tip-Adjust EMV Tip-Adjust EMV Tip-Adjust
Color Screen Color Touch-Screen Color Touch-Screen Color Touch-Screen
Built in Printer Built in Printer Built in Printer Built in Printer
Integrated Apple Pay Integrated Apple Pay Integrated Apple Pay Integrated Apple Pay
No Automatic Updates Basic Automatic Updates Basic Automatic Updates Basic Automatic Updates
No advanced features No advanced features B2B Level 2 & 3 Processing MX Advantage integration for automatic Surcharging
$229 $295 $425 $295

External PINPads

An optional external PINPad lets the customer manage their own card, so your staff doesn’t have to, including the entry of debit card PINs, or the use of Contactless Payments such as Apple Pay or Google Pay.

V200c Terminal + PinPad: $399

If your organization wants to accept new EMV cards and accept tips, you may want an External PinPad. VeriFone has the perfect combination – the Engage V200c terminal paired with the customer-facing, P200 PinPad. Together, you can accept EMV payments with tips, right at the point of sale. Simply enter the transaction amount on the terminal, and the customer will be prompted to enter the tip. Then, they can “dip” their chip-card or swipe their credit card, all through the P200 device, completing the sale. Here are the features:

  • Fully EMV capable – take EMV cards through the terminal or the PinPad.
  • Internal Ethernet (IP) connection as well as a dial-up phone line
  • Chip+Signature and Chip+PIN available today
  • NFC and Apple Pay capable. Let people pay with their iPhone or any other smartphone with NFC technology, directly through the customer-facing PinPad.
  • Accept tips directly through the customer-facing PinPad. The customer will be able to discreetly enter their tip without your input, so that you don’t have to manually adjust your sales for tips every evening.
  • The P200 has a customer-facing PinPad for taking PIN debit sales.

Verifone Engage V200c and P200 PinPad: Just $399

FD-150 Terminal + RP-10 PinPad: $480

The FD-150 and RP-10 make for a powerful combination. Together, you can accept EMV payments with tips, right at the point of sale. Simply enter the transaction amount on the terminal, and the customer will be prompted to enter the tip. Then, they can “dip” their chip-card or swipe their credit card, all through the RP-10 device, completing the sale. Here are the features:

  • Fully EMV capable – take EMV cards through the terminal or the PinPad.
  • WiFi capable, Internal Ethernet (IP) connection, and a dial-up phone line
  • Chip+Signature and Chip+PIN available today
  • NFC and Apple Pay capable. Let people pay with their iPhone or any other smartphone with NFC technology, directly through the customer-facing PinPad.
  • Accept tips directly through the customer-facing PinPad. The customer will be able to discreetly enter their tip without your input, so that you don’t have to manually adjust your sales for tips every evening.
  • The RP-10 has a customer-facing PinPad for taking PIN debit sales.

First Data FD-150 and RP-10 PinPad: Just $480

Z11 Terminal + Z6 PinPad: $490

The Z11 and Z6 are the perfect pair for merchants looking for an easy way to process transactions when surcharging is involved. Together you can accept any type of swipe, dip or contactless transaction right at the point of sale, and alert the customer on the PinPad to the surcharge being charged with the transaction. The surcharge is set up in MX Advantage, and is automatically added and displayed for every transaction. Here are the features:

  • Fully EMV capable – take EMV cards through the terminal or the PinPad.
  • WiFi capable, Internal Ethernet (IP) connection, and a dial-up phone line
  • Chip+Signature and Chip+PIN available today
  • NFC and Apple Pay capable. Let people pay with their iPhone or any other smartphone with NFC technology, directly through the customer-facing PinPad.
  • Surcharge the customer using MX Advantage and display the surcharge directly on the customer-facing PinPad.
  • The Z6 has a customer-facing PinPad for taking PIN debit sales.

Dejavoo Z11 and Z6 PinPad: Just $490

Get a free consultation from Dharma

Tell us how to contact you, and a little about your business, and we’ll be happy to give you a free evaluation of your fees, and let you know how you can save with Dharma

Free Consultation