---
title: How do I take payment with a physical Town & City Gift Card at my business?
description: Taking payments with a physical Town & City Gift Card is as simple as taking any other card payment. Process as a debit Mastercard transaction.
---

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August 20, 2025

# How do I take payment with a physical Town & City Gift Card at my business?

## Taking payments with a physical Town & City Gift Card is as simple as taking any other card payment. Process as a debit Mastercard transaction.

**Card machine with swipe facility: **

If you have a card machine with a swipe facility, swipe the customer’s Town & City Gift Card through the machine and the sales value will be deducted from the card balance.

**Card machine without a swipe facility:**

Without a swipe facility, the Town & City Gift Card payment can be completed by entering the card number, expiry and CVV code (the CVV security code is above the QR code on the reverse of the card) on your terminal to complete the sale, as you would when taking a payment over the phone.

**If a transaction asks for a signature please press the ‘yes’ option. **

If no is pressed, the transaction will not be successful.

**The terminal has asked for a pin code, where do I find this?**

The pin code will be the last 4 digits of the long card number which you can input into the terminal to continue the payment process.

Some payment systems, such as SumUp and Zettle allow you to send a link to the customer’s phone to transact an online payment; this is called a ‘card holder not present’ or ‘payment link’ transaction. For guidance on how to process payments on a range of payment processors please refer to the FAQ guide available here:

[https://mi-cnx.com/hubfs/TCGC\_Merchant%20FAQ\_%5BTCGC-V1.0-18032025%5D.pdf](https://mi-cnx.com/hubfs/TCGC_Merchant%20FAQ_%5BTCGC-V1.0-18032025%5D.pdf?hsLang=en)

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