A method and apparatus for a credit card and debit card transaction terminal including a processor, a display and a memory. A card reader is configured to read data stored on a portable memory medium. An operator interface is produced by an operator interface program and executable by the processor. The operator interface being displayable on the display in an operator language. A customer interface is produced by a customer interface program and executable by the processor. The customer interface being displayable in a customer language. A language identification module is stored in the memory and executable on the processor. The language identification module is configured to select the operator language and to select a customer language in which displayable for the operator and customer, respectively. The operator and customer languages are selected from a plurality of languages stored in the module. The operator and customer languages are different.