How to Set Up a Payment Terminal for Your Business in 2025 (Step-by-Step)

If you're starting a retail business, food shop, or pop-up location in 2025, setting up a payment terminal is one of the fastest and most cost-effective ways to start accepting card payments. Here's how to do it right — without needing a full POS system.

Step 1: Choose the Right Terminal

Decide if you need a basic standalone terminal or a mobile-enabled reader. Both work well for small businesses, but standalone models are great for countertop use while mobile readers are better for on-the-go.

Step 2: Get Approved by a Payment Provider

Sign up with a payment processor or merchant services provider. You'll need to provide:

• Business name and contact info
• Bank account for deposits
• Business type and estimated volume

Approval can take a few hours to a few days depending on the provider.

Step 3: Connect Your Terminal

• Standalone: Plug in power and Ethernet (or use 4G if supported)
• Mobile Reader: Pair via Bluetooth to your phone or tablet, then install the companion app

Make sure Wi-Fi or data connection is stable for processing payments.

Step 4: Run a Test Transaction

Try charging a small amount (like $1.00) to make sure everything works smoothly. Confirm that receipts print or send digitally, and funds begin processing to your bank account.

Step 5: Set Taxes, Tips, and Receipts

Depending on your business, configure your terminal for tax rates, tip prompts, and receipt preferences. This adds professionalism and keeps reporting organized.

Step 6: Start Accepting Payments

You’re now ready to sell! Your terminal will accept chip, tap, and mobile wallet payments instantly.

Conclusion

Setting up a payment terminal in 2025 is easier than ever. With just a few steps, small business owners can start accepting fast, secure, and modern payments — no bulky systems required. Whether you're selling at a register or on the move, a simple card terminal keeps your business ready to grow.