A payment interface apparatus, system and method is disclosed. In particular, a payment interface apparatus for use in vending machines, gaming machines, or other, typically unattended machines that accept payments via a variety of payment methods is disclosed. Also disclosed is a system and method for determining and processing a transaction as a particular transaction type based upon the type of media used on a standardized financial transaction card. The interface apparatus includes a plurality of sensors to read one or a plurality of media on a single standardized financial transaction card in a single presentation of the card.