1. A credit card and debit card transaction terminal comprising: a processor; a display; a memory; a card reader configured to read data stored on a memory means of a portable memory medium; an operator interface produced by an operator interface program stored in the memory and executable by the processor, the operator interface being displayable on the display in an operator language; a customer interface produced by a customer interface program stored in the memory and executable by the processor, the customer interface being displayable in a customer language; and a language identification module stored in the memory and executable on the processor, the language identification module configurable to select the operator language in which the operator interface is displayable for a operator and to select a customer language in which the customer interface is displayable for a customer, wherein said operator language and said customer language being selected from a plurality of languages stored in said module and wherein said customer language and said operator language are different.