Abstract: The system provides a two device solution for transaction processing, a merchant facing device (MFD) and a cardholder (customer) facing device CFD. What this means is that one device always faces the checkout representative of the merchant (the merchant facing device) and the other faces the consumer (the cardholder facing device). The CFD includes a payment/card reader (such as a swipe style reader, a near field communication (NFC) or RFID reader, or some other contactless means) and a numeric key pad (i.e. PIN pad) where the consumer can, when required, allow the card to be read (e.g. by swipe, insert, or wave the card) and enter an authorization PIN (personal identification number).