What Stores Manually Enter Credit Cards?

By Bruce Boswell •  Updated: 12/14/21 •  6 min read
Filed under: Credit Cards

When people ask this question, they are usually worried about entering credit card information manually. When you just swipe or scan, it is so easy, and you feel safe because no one is seeing your credit cards information. However, this cannot always be done.

Sometimes a card reader will be playing up, and you need to enter the information manually. 

What Stores Manually Enter Credit Cardss

And this should not be as terrifying a concept as it may sound, after all, we pay for many things online and over the phone, and when we do this we have to enter our information manually. So, why in person does it feel so different? 

You might be worried that you cannot enter your credit card information manually at a store, perhaps your card was damaged, the stores’ payment system might be playing up, or you just ordered a credit card, and it hasn’t yet arrived, but the provider has given you the information to use it.

You can enter information manually at most stores, although it is time-consuming, there are very few stores where you cannot do this.

Can You Manually Enter Your Card At Walmart?

Wouldn’t it be quite something if one of the world’s biggest conglomerate superstores didn’t allow certain payment methods?

If you do your weekly shop at Walmart and you usually use your credit card, but somehow it got damaged, you can enter the information manually. 

Walmart Pay’s main selling point is convenience. You can simply enter your credit card number into Walmart Pay and you will have a smooth checkout.

It can also automatically save receipts in the Walmart app, which will make it easier for you to track your spending and return items. 

So, not only can you enter your credit card manually at Walmart, but if you use the app you can also track your budget, which should lead to financially healthier spending- which is something you should really be thinking about already if you use a credit card.

Manual Use – Can You Use A Credit Card Before It Arrives?

Let’s ask this question, because we know you are thinking it. Can you use a credit card before it arrived? Well, no, not usually. However, the credit card issuer might allow newly approved cardholders instant access to the card number. Unless this is the case for you, you will sadly have to wait until your new card arrives in the mail. 

This does depend on the provider, though, and it is up to the provider whether or not they will allow you to use the card before the card actually arrives itself. 

So, just because you have applied for a credit card does not mean you will get it right away, it may take some time before you receive the card and are able to use it. 

Can You Use A Credit Card Without CVV?

Many people will always have questions about the use of the CVV on their card. You always need to use your card number for a transaction, however, you do not always need to use the CVV. 

This is the problem with the CVV, you see, if someone were to steal your credit card, they cannot actually use it because without it, they can’t complete a transaction. While the CVV filters, won’t eliminate fraudulent online payments, they can reduce the risk. 

So, although there are some payments that do require the CVV, there are a minute few which do not, usually only needing the expiry and cardholder name. However, for the many transactions that do require this, it safeguards your card. 

So, can  you use a credit card without a CVV? Most of the time, no. 

How Do Payment Terminals Work For Businesses?

To really answer the question about the stores that allow you to manually enter credit card information, it is worth you knowing how payment terminals work in businesses. 

Even for independent sellers, you need a payment terminal. This involves ordering and setting up hardware, such as card readers and a POS. There are so many card readers on the market, however most these days will typically be updated ones to accept contactless payments. 

However, before any of that, we must recognize that even if you have a physical store, an online store is just as vital, because so many people shop online now.

So, for online sales you need to set up online payments, for some payments portals will come with an e-commerce platform, however, if you build your own site you might need technical support from your card processing provider or website developer. 

It is complicated but necessary for businesses.   to understand why this is relevant, we need to point out that a POS will have an option to enter payment information manually.

Think about how essentially this is, should the card readers stop working, having an option to enter payments manually means the business would not have to close just because a card reader decided to have a hissy fit.

Anyone who has working in customer service knows how frustrating this can be on both sides, so manual payments make life easier. 

This is why there are so many stores which do allow manual entering of credit card information. 

You Can Use Credit Cards Over The Phone And Online

Let’s loop back to where we started. There might be a few one off stores out there that won’t allow you to manually input your credit card information, but they are few and far between.

We should not be so skeptical and scared of doing this, either. 

While it is wise to be cautious of fraud and scams, we pay for so much online and over the phone, that we are constantly putting in our card details manually. So why should we be anxious about it?

We already do it so much at home on our PC’s, why should it be any different to do it face to face in a shop. 

It is a normal part of our lives now, thanks to technology.

Note that using a credit card in a store is different to store credit.

Bruce BoswellBruce Boswell

Bruce Boswell

Bruce Boswell enjoys researching and writing about all things related to investing and saving money. Whenever he has a chance, Bruce loves travelling all around the world with his wife and trying new foods.