In-Store payments are the conventional form of credit card payments made by a credit card holder at a physical retailer’s location. While they are the traditional form of credit card payment, they can include cards with EMV chip technology to swipe, tap, or dip their credit card in-person. Physical payments require the purchase of a point-of-sale system. The POS system includes all the necessary hardware, like a credit card reader, and the software that processes the credit card information. After inserting, swiping, or tapping their card, transactions take only seconds.