Tekmerchant from Tekmetric allows the user to take payments from their payment terminal, over the phone, and via text using text-to-pay. For all in-person transactions, users can quickly take payments directly from their payment directly from their payment terminal from Tekmetric. For payments over the phone, Tekmerchant allows users to manually enter the customer's card information. Additionally, with the text-to-pay feature, customers can also use buy now, pay later options like Affirm and Klarna.