A printer includes a substrate input, a substrate transport, a printhead, a removable ribbon cartridge, a ribbon cartridge receiver, and a substrate output. The substrate transport is configured to feed a substrate from the substrate input along a print path. The printhead is positioned below the print path and is configured to print an image on a surface of the substrate. The ribbon cartridge is received in the ribbon cartridge receiver and contains a supply of print ribbon that extends between supply and take-up spools and over the printhead. The substrate can then be discharged through the substrate output.