--- title: "POS-Integrated Payments: What Retailers Need to Know" description: Learn the benefits of integrated payments, how to do it and the myths behind the process in this comprehensive piece. image: https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/pos-integrated-payments.svg --- [tel:1-800-601-0230](tel:1-800-601-0230) 800-601-0230 - Features - Solutions - Developers - [Pricing](https://www.payjunction.com/payments/pricing.html) - Resources [See a Demo](https://www2.payjunction.com/tour-payjunction) Features - EXPLORE PRODUCTS [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) - ACCEPT PAYMENTS [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH Electronic Checks](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - EXPLORE CAPABILITIES [Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integration Marketplace](https://integrations.payjunction.com/) [Remote Signature](https://www.payjunction.com/payments/signature-capture.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) Solutions - [Veterinary Streamline payment workflows and get paid faster with up-front deposits and payment schedules for high-cost procedures. Get time back and spend it with furry patients.](https://www2.payjunction.com/payment-processing-veterinarians) - [Dental Simplify patient payments with multiple means of collection at your dental practice. Meet patient expectations and elevate the payment experience.](https://www2.payjunction.com/payment-processing-dentists) - [Auto Dealer Manage dealership payments by department, brand and location. Get automated reports for simplified end-of-day close and save on processing fees.](https://www2.payjunction.com/automotive-merchant-services) Developers - [API Documentation See how to embed omnichannel payment features into your software, using your choice of our intuitive integration methods.](https://developer.payjunction.com/) - [Developer Experience Explore the developer journey and learn how our full-service partnership model helps you maximize merchant payment adoption rates.](https://www.payjunction.com/payments/payment-api.html) - [No-code Payments Integration® Rapidly integrate payment acceptance features into any SaaS application in minutes using our easy-to-use Chrome browser extension.](https://www.payjunction.com/payments/no-code-payments-integration.html) - [Integration Marketplace Check out our growing marketplace of integrated solution partners that streamline payment acceptance and help businesses automate and scale.](https://integrations.payjunction.com/) [Pricing](https://www.payjunction.com/payments/pricing.html) Resources - [About Us Learn how our people-first culture at PayJunction helps us earn widespread recognition and awards.](https://www.payjunction.com/payments/about.html) - [Careers Join us in our pursuit to deliver exceptional experiences to customers and partners.](https://www2.payjunction.com/careers) - [Support Get helpful information about how to use features, troubleshoot problems and contact us.](https://support.payjunction.com/) - [Blog Gain useful insights into payment industry trends and PayJunction solutions.](https://blog.payjunction.com/) - [Guides Up your payment processing knowledge with our in-depth eBooks and White Papers.](https://guides.payjunction.com/) - [Tutorials Read articles and watch videos about how to use valuable features on the PayJunction platform.](https://blog.payjunction.com/topic/pj-university) # POS-Integrated Payments: What Retailers Need to Know ![POS-Integrated Payments: What Retailers Need to Know](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/pos-integrated-payments.svg) [![Picture of Francesca Nicasio](https://blog.payjunction.com/hs-fs/hubfs/BLOG/AUTHOR%20HEAD%20SHOTS/FrancescaNicasioHeadshot.jpeg?width=48&height=48&name=FrancescaNicasioHeadshot.jpeg) Francesca Nicasio](https://blog.payjunction.com/author/francesca-nicasio) 6/25/2019 *Complete error-free sales and accounting reporting.* *Faster recording of data from multiple payment sources.* *Hassle-free account reconciliations.* These are the solutions that retailers crave every day. And here’s the good news: you can achieve all that with the help of [integrated payments](https://blog.payjunction.com/payment-api). ## Integrated What? Okay, let’s define it – what exactly are integrated payments? In brick-and-mortar stores, integrated payments is the system you implement to align your POS system with your Payment Processor or accounting software so that data seamlessly flows from the former to the latter. When implemented correctly, connecting your POS with your payments solution can offer tremendous benefits. Let’s explore them below. ## 3 Benefits of Integrated Payments The following advantages, provided through integrated payments, help retailers make customers happy, become more productive, and ultimately generate more sales: Having integrated payment speeds up the checkout process and reduces human error, which ultimately gives your staff more time to focus on higher-value tasks. Since payment information is synced from your POS and payment terminals, it’s no longer necessary to manually key in each customer’s credit card info. Aside from streamlining the checkout process, it also reduces human error, which helps keep your records accurate. Integrated payments also eliminate the need for manual end-of-day reconciliations, which can be a massive time-saver for you and your team. [A study by Forrester](https://www.digimarc.com/docs/default-source/digimarc-resources/forrester-study.pdf/?campaign=7016F000002ilOuQAI&utm_medium=pjblog&utm_source=payjunction) found that having a long line at the register is among the top three reasons that customers would choose to shop elsewhere, with 18% of respondents saying that they would shop elsewhere if they experienced a lengthy checkout process. Customers clearly want retailers to ring up sales as efficiently as possible. And since the majority of people pay using a debit or credit card, you can shave off precious seconds — even minutes — at the checkout counter by integrating your POS and Payment Processor. Integrated payments can also help with your [reporting](https://blog.payjunction.com/payjunction-business-reporting/?campaign=7016F000002ilOuQAI&utm_medium=pjblog&utm_source=payjunction). Having a tightly-connected setup allows you to see your sales and payment data in one place, as opposed to manually running reports on separate platforms. Payment integrations enable you to monitor metrics like cash flow and credit card payment ratios which, in turn, can help you stay on top of payroll, inventory, vendor payments, operations, and more. ## How Retailers Can Implement Integrated Payments Now that you know some major [benefits](https://blog.payjunction.com/features-payment-gateway-api-integration) that integrated payments provide, you need to know how to implement them. **Begin with your POS or payment provider.** The best place to start when considering integrated payments is with your current technologies or providers. If you’re already using a POS system, ask them about their payment partners and go from there. Alternatively, if you’re already happy with the rates you have with an existing payment solution, then explore the POS solutions that they integrate with. **Work with an expert.** Another option is to work with experts who can set up your payments solution for you. This is where Independent Sales Organizations (ISOs) and Merchant Service Providers (MSPs) come in. These entities have the knowledge and resources to help you select the right POS and payments platform for your business. So, if you’re still shopping around for payment solutions or if you’re unsure of how to switch providers, consider getting in touch with a trusty ISO or MSP to assist you. ## The Myths of Integrated Payments There are a number of myths around integrated payments, particularly around how setting up isn’t a simple matter, especially if you already have an existing Payment Processor or if you and your staff are set in your ways. However, the time and financial savings you’ll gain by integrating payments can make the extra effort worth it. If you’re hesitant to go with integrated payments because you already have a processor or aren’t keen on making big changes in your business, here are some points that’ll put your mind at ease. **Myth No. 1: Switching payment processors is difficult and will disrupt operations.** Contrary to popular belief, [switching payment providers](https://blog.payjunction.com/merchant-service-provider/?campaign=7016F000002ilOuQAI&utm_medium=pjblog&utm_source=payjunction) doesn’t have to be hard. Many vendors are happy to assist and support merchants throughout the entire process. They’ll do much of the heavy lifting for you and ensure you’re up and running with minimal disruption to your operations. **Myth No. 2: You can't make a change since you're in a long-term contract with your current provider.** Most payment processors can provide savings reports and contract reviews to weed out [unfair terms and billing](https://blog.payjunction.com/contract-terms-unethical-billing/?campaign=7016F000002ilOuQAI&utm_medium=pjblog&utm_source=payjunction) — which can lead to more savings. **Myth No. 3: You’ll have to switch banks.** This likely won’t be necessary, as payment processors are able to deposit money into whichever bank you choose. ## Ready to explore the world of POS-integrated payments? Whether you’re shopping around for a new provider or you already have one, but aren’t satisfied, it’s worth having a conversation about integrated payments. Many providers offer commitment-free evaluations and are willing to match your existing rates. ## Learn more about Vend’s POS solution. [![START NOW](https://no-cache.hubspot.com/cta/default/635739/54d80bd9-6315-4db8-81ab-6b3445527d72.png)](https://cta-redirect.hubspot.com/cta/redirect/635739/54d80bd9-6315-4db8-81ab-6b3445527d72) Do you use integrated payments in your business? Tell us about your experience in the comments. [Business Tips](https://blog.payjunction.com/topic/business-tips) --- ##### [![How to Manage Your Dealership’s Cashiers More Effectively](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/dealership-cashier-management.svg) How to Manage Your Dealership’s Cashiers More Effectively](https://blog.payjunction.com/dealership-cashier-management) ##### [![POS Credit Card Terminal: The Advanced Shopping Guide](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/credit-card-terminal-guide.svg) POS Credit Card Terminal: The Advanced Shopping Guide](https://blog.payjunction.com/credit-card-terminal-guide) ###### About Author ![Picture of Francesca Nicasio](https://blog.payjunction.com/hs-fs/hubfs/BLOG/AUTHOR%20HEAD%20SHOTS/FrancescaNicasioHeadshot.jpeg?width=200&height=200&name=FrancescaNicasioHeadshot.jpeg) ### Francesca Nicasio Francesca Nicasio is the Content Marketing Manager for Vend Point of Sale. She writes about trends, tips, and best practices that enable retailers to increase sales, serve customers better, and run amazing stores. ###### Related Posts ## [![Benefits of Integrated Automotive Payment Processing for Auto Dealerships](https://blog.payjunction.com/hubfs/BLOG/HERO%20IMAGES/Benefits%20of%20Integrated%20Automotive%20Payment%20Processing%20(1).svg) Benefits of Integrated Automotive Payment Processing for Auto Dealerships Auto dealerships operate in a fast-paced, competitive environment where efficiency and customer satisfaction are crucial to success. Integrated automotive payment processing solutions have emerged as essential tools that help dealerships manage everything seamlessly, from sales and service to customer payments. Unlike traditional stand-alone methods, these modern systems unify financial processes within any cloud-connected Dealership Management System (DMS), covering sales, inventory, customer data, and billing. Let’s dive into how integrated systems transform payment processing in the automotive industry.](https://blog.payjunction.com/automotive-payment-processing) ## [![Business Trends that will Impact ISVs’ Payment Partnership Decisions in 2023](https://blog.payjunction.com/hubfs/4%20Trends%20Impacting%20ISV%202023.png) Business Trends that will Impact ISVs’ Payment Partnership Decisions in 2023 While often fun, predicting the future can be risky for individuals and companies that focus their resources and investments on the wrong initiatives. We believe business leaders can find inspiration in the words of Malcolm X: "The future belongs to those who prepare for it today."](https://blog.payjunction.com/isv-payment-partnership-trends) ## [![Sales Best Practices: Knowing When to Let Go](https://blog.payjunction.com/hubfs/BLOG/FEATURED%20IMAGES/sales-best-practices.svg) Sales Best Practices: Knowing When to Let Go There are many parallels you can draw between everyday life and sales. As I reflect back on 2017, I realize that one of the most important lessons I learned from both a personal and a professional standpoint was the importance of letting go.](https://blog.payjunction.com/sales-best-practices) ## Meet a Payment System You’ll Love - ###### FEATURES [No-code Payments Integration®](https://www.payjunction.com/payments/no-code-payments-integration.html) [ZeroTouch Terminal](https://www.payjunction.com/payments/smart-terminal.html) [Portable Terminal](https://www.payjunction.com/payments/portable-credit-card-reader-terminal.html) [Invoices](https://www.payjunction.com/payments/electronic-invoices.html) [ACH](https://www.payjunction.com/payments/ach-payments.html) [SmartSurcharge®](https://www.payjunction.com/payments/smart-surcharge.html) [Cards on File](https://www.payjunction.com/payments/store-credit-card-info.html) [Recurring Billing](https://www.payjunction.com/payments/recurring-payments.html) - [Ecommerce](https://www.payjunction.com/payments/ecommerce-merchant-services.html) [Customization](https://www.payjunction.com/payments/custom-payment-software.html) [Remote Signatures](https://www.payjunction.com/payments/signature-capture.html) [Rapid Refunds](https://www.payjunction.com/payments/credit-card-refund.html) [Multi-Location](https://www.payjunction.com/payments/enterprise-payments.html) [Sales Reports](https://www.payjunction.com/payments/sales-reports.html) [Search and Export](https://www.payjunction.com/payments/transaction-history-search.html) [Mobile App](https://itunes.apple.com/us/app/payjunction/id1324839420?ls=1&mt=8) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) - ###### RESOURCES [Product Overview](https://www.payjunction.com/payments/payment-processing-solutions.html) [Integrations](https://integrations.payjunction.com/) [Blog](https://blog.payjunction.com/) [Guides](https://guides.payjunction.com/) [Support](https://support.payjunction.com/) [Service Status](https://status.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) - [Trust Center](https://trust.payjunction.com/) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [Pricing](https://www.payjunction.com/payments/pricing.html) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) - ###### RESOURCES [Integrations](https://integrations.payjunction.com/) [Guides](https://guides.payjunction.com/) [Tutorials](https://blog.payjunction.com/tag/pj-university/) [API](https://www.payjunction.com/payments/payment-api.html) [Request a Demo](https://www2.payjunction.com/payjunction-demo) [About Us](https://www.payjunction.com/payments/about.html) [Careers *HIRING*](https://www2.payjunction.com/careers) [Press](https://media.payjunction.com/) [Trust Center](https://trust.payjunction.com/) [Service Status](https://status.payjunction.com/) - ###### BUSINESS SOLUTIONS [Auto Dealers](https://www2.payjunction.com/automotive-merchant-services) [Veterinary](https://www2.payjunction.com/payment-processing-veterinarians) [Dentistry](https://www2.payjunction.com/payment-processing-dentists) ##### 800-601-0230 SIGN UP FOR OUR NEWSLETTER  Become a better advocate for your business. Get Email Updates GO Thank you for subscribing! PayJunction is a Level 1 PCI Compliant Provider. PayJunction is a registered ISO of PNC Bank, N.A., Pittsburgh, PA. © 2026 PayJunction. All rights reserved. [Privacy Policy](https://support.payjunction.com/hc/en-us/articles/211053648) and [Terms of Use](https://support.payjunction.com/hc/en-us/articles/211053628). ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Francesca Nicasio" }, "dateModified" : "2023-05-25", "datePublished" : "2019-06-25", "description" : "Learn the benefits of integrated payments, how to do it and the myths behind the process in this comprehensive piece.", "headline" : "POS-Integrated Payments: What Retailers Need to Know", "image" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/BLOG/FEATURED%20IMAGES/pos-integrated-payments.svg" }, "mainEntityOfPage" : "https://blog.payjunction.com/pos-integrated-payments", "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://cdn2.hubspot.net/hubfs/635739/logo-400px.png" }, "name" : "PayJunction" } } ```