Point of sale merchants also known as (“PoS”) are merchants who have a physical store location and or accept payments in a face to face environment. These merchants differ from e-Commerce merchants in a number of ways primarily that they don’t use the internet as their primary conduit for selling their wares. Point of sale merchants have a unique set of challenges that need to be dealt with that range from; when to offer or suggest credit vs. debit to managing physical security and loss prevention in a physical environment.