Consumers now have different ways to complete a transaction. The traditional means of swiping a credit or debit card at the point of sale are still viable, but recent industry developments, such as mobile wallets and NFC payments like Apple Pay, are enabling digital, seamless transactions. Merchants must prepare for the former and latter types of payment processing, or card-present and card-not-present transactions. Card-present payments are transactions where the merchants can read a customer's data electronically when the customer swipes or inserts their card into a terminal. Card-not-present payments are transactions where the cardholder's information is entered manually or provided through a separate gateway or portal.