![]() If there aren’t sufficient funds or the card has been reported, the issuer declines the authorisation. The issuer checks if there are sufficient funds in the account and whether the card has been reported stolen. The merchant’s acquirer then transmits that data to the card scheme (usually Visa or Mastercard) and the card scheme transmits the data to the issuing bank (the bank who issued the card). Without getting too technical, a PDQ machine captures your customer’s card data (specifically the PAN/16 digit number), authentication data from the customer (their PIN) and transaction data (the value) from the merchant and transmits this data to the merchant’s acquirer. If there is any identifiable difference between a PDQ machine and a mobile card reader, it is purely aesthetic (and occasionally price!). Whether it’s a traditional countertop chip and PIN machine, or a modern mobile card reader, any device that accepts card payments safely and securely is a PDQ machine. What is the difference between a PDQ machine and other card machines?Īccording to globally successful card machine provider Zettle, the difference between PDQ machines and other card machines is nothing. Within a matter of seconds data is transferred from a business to the customer and then back again, resulting in a complete sale. PDQ stands for Processing Data Quickly, which is exactly what it does. With a PDQ machine it quite literally does what it says on the tin. For a full explanation of the inner workings of a card payment, check out our blog post The Ultimate Payment Processing Guide. The nitty-gritty details are quite complicated so we won’t go into it in much detail here. The machine works by reading the data stored on a customer’s card, accepting their PIN and then sending the information to the acquiring bank. They are also commonly referred to as card machines, card terminals, point of sale terminals/machines and chip and PIN machines. In simple terms, a Processing Data Quickly or PDQ machine is a device merchants use to accept card payments from their customers. It makes sense to define PDQ machines on the first step on our whistle stop tour (ahem, ultimate guide). Not sure what a PDQ machine is? Read CardSwitcher’s ultimate guide to PDQ machines to discover whether or not it’s right for you. However, they’re not suited to every business, so it is also worth exploring the classic PDQ machine. ![]() Most people opt for one of the best mobile card readers, as they can be cheaper and more convenient. Whether it’s chip and PIN, contactless or e-Wallet, chances are the majority of your customers will want to pay via card.īut, with so many options available, it can be difficult to know what’s right for you. It does not store any personal data.Whether you’re a newborn entrepreneur or small business veteran, it looks like you’ve found yourself in the market for a new method of accepting card payments.Īccepting card payments seamlessly and hassle free is key to your businesses success in a post-pandemic world. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. The cookie is used to store the user consent for the cookies in the category "Performance". This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. ![]() The cookies is used to store the user consent for the cookies in the category "Necessary". The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". The cookie is used to store the user consent for the cookies in the category "Analytics". These cookies ensure basic functionalities and security features of the website, anonymously. ![]() Necessary cookies are absolutely essential for the website to function properly. ![]()
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