Swiped terminal based merchant accounts are very beneficial for business. Security, speed, and accuracy are just some of the main benefits of having a credit card terminal present at the time of sale. In addition to features of the actual terminal, swiped transactions allow you to incur lower rates and fees. This is because there is less risk involved in the transaction if both the card and cardholder are present and the card stripe is read by the terminal rather than being keyed into it. Pinpads can be added to a terminal at any time for even more savings!