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The traditional retail industry has advanced dramatically with the advent of wireless point-of-sale terminals, automated-teller-machine solutions, and kiosks. Using today’s technology, any merchant can instantaneously process payments virtually anywhere inside and outside the four walls of a storefront – using everything from credit cards and debit cards to checks, smart chip cards and electronic benefits transfers (EBTs). The benefits are obvious: bring the payment process to the customer and you greatly increase efficiency, flexibility and service.