POS Terminal for Merchants: Why It’s Easier Than You Think
Many merchants in Bulgaria still avoid using POS terminals, even though more and more customers ask if they can pay by card.
These fears and doubts are completely understandable, but in reality, refusing to accept cashless payments often limits a business’s growth and security.
Let’s take a look at the three most common reasons why some entrepreneurs hesitate to adopt a POS terminal — and why it’s time to rethink those fears:
1. “I’m afraid I won’t know how to use it”
✅ Reality: Today’s POS terminals are incredibly easy to use — press a button, and the payment goes through.
🔹 You receive full support from the bank, including setup and clear instructions.
🔹 Your employees don’t need special training — they just need to press "Enter."
🔹 In case of issues, support responds quickly — often remotely.
The truth is, using a POS terminal is easier than giving change during a cash transaction.
2. “I prefer working with cash”
✅ Reality: Cash can be convenient in some cases, but it brings its challenges for both businesses and employees.
🔹 Risks of using cash include:
Errors in giving change, especially during the euro adoption period, with both currencies in circulation
Risk of theft or loss
Manual counting and slower end-of-day cash closing
🔹 Plus, more and more customers expect to pay by card, especially younger people and tourists. If you don’t offer this option, you risk losing them. How often do you hear the question “Do you accept card payments?” and your answer is “No”?
A POS terminal doesn’t replace cash — it simply gives you an extra option with fewer risks and more convenience.
3. “I don’t want to pay fees to the bank”
✅ Reality: POS fees are much lower than the cost of missed sales.
🔹 At ProCredit Bank, the fee is just 0.5%, lower than many discounts you already give to customers.
🔹 Using a POS terminal can increase your turnover by 10–30%, as customers tend to spend more when paying by card.
🔹 Cashless payments are safer — no risk of cash theft or change errors.
The real question isn’t “How much does it cost?” — it’s “How much am I losing by not having a POS terminal?”
It’s Time to Look Ahead
🔹 Customers expect cashless payments — generations and habits are changing
🔹 The state and the market are going digital — everything is easier with just one click
🔹 Entering the eurozone will change the way we do business — is your business ready?
📢 The POS terminal isn’t a threat — it’s a tool for growth, security, and modernization.
What if you started today?
With ProCredit Bank, you get:
- Easy installation and ongoing support
- Low transaction fees, suitable for small businesses
- Daily settlement of funds — every 24 hours
Get in touch with us and we’ll show you it’s much easier than you think.
