Credit Card Processing 

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Quickly find credit card processing companies offering services for merchant credit cards. Browse providers offering merchant processing services. Identify credit card processing vendors offering merchant card services that suit your business needs.
Type
Your choices by type include Web-based, terminal and mobile credit card processing services.
  • Web-based merchant credit card processing, also called credit card online processing, allow customers at your Web site to enter card data and buy what's in their shopping cart.
  • If your sales are being done in a brick-and-mortar retail store, a credit card processing terminal, also known as a point-of-sale (POS) terminal, makes merchant account credit card purchases painless.
  • Mobile credit card processing is ideal for micropayments (think vending machines), which work via mobile phone networks to make remote, wireless transactions.
Rates and Fees
Your choices for credit card processing company rates and fees include less than 2% discount rate, no setup fee, no monthly statement fee, no monthly minimum and no contract term.
  • The credit card processor normally charges a small fee per transaction, the credit card discount rate. If the customer is present, that is, swiped at a terminal in front of you, expect a less than 2% discount rate.
  • A lot of the costs of opening a merchant account are negotiable. Get a credit card with no setup fees to keep initial costs lower.
  • Small businesses sometimes do not do enough credit-card transactions in a month to justify their account, prompting a monthly fee for receiving a statement for merchant account credit card processing. If you do enough business, you qualify for no-statement-fees credit card processing. Ask about no monthly statement fee.
  • Another way that merchant account credit card processors assure a profit is by charging their clients for not doing enough transactions, the credit card minimum monthly payment. If your transactions are large and irregular, ask for no monthly minimum.
  • The merchant credit card processing services market is extremely competitive. One way to ensure that you get the best possible deal for merchant account credit card processing is to insist on no contract term.
Features
Your choices on merchant account credit card processing features include security and fraud detection, multi-currency and real-time processing. Many providers have a demo available.
  • An increasing problem in merchant credit card processing services is fraud and identity theft. Consumers have multiple levels of protection for security and fraud detection, and you, as the retailer, should have credit card fraud detection, too.
  • If your business is in a port city, near an international airport or near a border with Canada or Mexico, multi-currency acceptance will allow international visitors to buy in your store with their home-country cards. Online businesses need international credit card processing more than ever.
  • Credit card processors often "batch" transactions and then process them in groups every few hours rather than do real time credit card processing, to reduce costs. If your business needs immediate acceptance (to avoid fraud, for instance), ask about real-time processing.
  • Merchant credit card processing accounts should make a demo available to try for free, typically for 30 days or longer.

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5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
www.credit-card-processing-usa.com
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
Whitepaper
www.firstdata.com/whitepaper
Virtual Payment Processor
Accept Credit Card Payments by Phone or Online. Apply Now!
www.ChasePaymentech.com
Stop Chargebacks - Free
Free Service. Our Technology Will Help Your Business Stop Fraud!
www.BadCustomer.com
Credit Card Terminals
Save up to 50% on each unit Lowest price call for specific unit
www.DiscountCreditCardMachine.com
Accept Credit Cards Today
Application Is Fast, Free & Easy. Guaranteed Low Rates & Fees.
www.cardservicesales.com
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
Internet Payments | Retail Processing | Wireless CC Pays
www.ServiceRelated.com
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
www.HighRiskProcessor.com
Get Price Quotes For Credit Card Processing on QuoteCatcher
Get Up to 5 Free Quotes on Credit Card Processing. Request, Compare & Save!
Compare Vendors | Get Quotes
www.QuoteCatcher.com
Capital Merchant Solutions: Credit Card Processing
Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.19% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com
VendorSeek Saves You Time & Money on Credit Card Processing
Match to Qualified Credit Card Processing Vendors & Find the Right Provider For Your Business. Compare 5 Free Quotes!
Find Local Vendor | Compare Quotes
www.VendorSeek.com
Business Merchant Svcs
Start Accepting Credit Cards Today. It's Fast & Secure. Member FDIC.
www.key.com
Mobile Credit Card POS
Accept All Major Credit Cards using Your Mobile Phone.
www.wcharge.com
Payment Processing Co
Processing Debit or Credit Cards? Call Us for Merchant Services.
mlsdirectnetwork.biz
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Accept payments, make payment arrangements, resolve disputes, offer settlements, collect information, and much more -- Ammina Virtual Agent is a web-based configurable decisioning engine to guide customers through a carefully tailored path to achieve the best and most profitable result. Ammina Virtual Agent can be configured to use InterProse's patent pending Virtual Agent avatar, a friendly face for sometimes difficult situations.
WnetCard Modules will enable your software to do real-time transaction processing via Internet using a 128-bit encrypted SSL link with the processing network. WnetCard Modules also support roll back dial-up connection in case the Internet link is not available. Our products communicate directly with the IP gateways of the processors. This direct interface with the processor's gateway is a better alternative to the payment portals offered by Authorize.Net, LinkPoint, PlanetPayment and others.
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A-Z Credit Card Processing Provider Directory
0-9 | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z
0-9
0 Down Merchant Account Services
Provider of credit card processing and general merchant account services for online businesses.
www.0downmerchantaccounts.com
123 Merchant Accounts
Secure merchant accounts software to approve, process, accept credit cards & make transactions. Check drafting software & check guarantee services for online payment acceptance.
www.123-merchant-accounts.com
1st American Card Service
Merchant accounts established to accept credit cards; virtual web terminal.
www.1stamericancardservice.com
1st Merchant Accounts - Credit Card Processing
Merchant account Internet credit card processing services for businesses.
www.1stmerchantaccountsvcs.com
A
A-Quick Credit Card Merchant Services
Credit card processing and merchant accounts.
www.a-quick.com
Advanced Financial Solutions (AFS)
Develops and provides payment, transaction and document management applications and consulting services to businesses involved in banking, government, utilities, energy, retail, insurance and credit card operations. Provides check, remittance an...
www.afsimage.com
Authorize.Net Merchant Account and Credit Card Processing
Sign Up For An Authorize.Net Merchant Account and Credit Card Processing Account Online.
www.AuthorizeMerchantAccount.com/
B
Independent Merchant Services
Provides credit card processing services and merchant accounts.
www.bankcard-processing.com
Bankcard Systems
Credit card processing. Merchant account with real time processing; cybercash.
www.bankcardsystems.com
Merchant Credit Card Processing
BluePay offers credit card processing and merchant account services that are fast, secure and reliable.
www.bluepay.com
C
CardService Express
Merchant account for credit card acceptance.
www.cardservicesales.com
Credit Card Processing - Free
Offers guaranteed low rates and fees for credit card processing merchant services. Application is fast, free and easy.
www.cardservicesales.com
Business Cash Advance - Direct Lender Rates as Low as 1.19
Obtain a business cash advance in less than 5 days! We advance up to $500K. Repay from future Visa and MasterCard sales. Minimum 6 months as owner.
www.CashPrior.com
Caledon Card Services
Work with traditional storefront merchants and turnkey realtime credit card processing solutions for internet/mail-order; shopping cart and payment gateway.
www.ccsinc.on.ca
5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
www.credit-card-processing-usa.com
Merchant Service Provider
Free Terminal with Merchant Account. No Out of Pocket Expenses and Lowest Rates Guaranteed. Bad Credit Okay.
www.CreditCardBiz.com
CreditCardProcessor.com
Offers real-time Internet processing, virtual shopping carts, low-cost web pages, as well as traditional credit card processing services for both web-site and store front locations.
www.creditcardprocessor.com
Credit Card Store
Offers products which allow Internet merchants to authorize, process, and manage credit card and electronic check transactions online.
www.creditcardstore.com
Integrated Credit Card Processing
Cynergy Data is a leader in electronic payments, with payment processing services for businesses of varying sizes and across different industries.
www.cynergydata.com
D
Data Processors International
Merchant service provider offering credit card processing and credit card services for ecommerce business transactions.
www.dpicorp.com
E
Element Payment Services
Element Payment Services provides secure, hosted PCI DSS compliant payment processing.
www.elementps.com
F
First Data Merchant Services (FDMS)
Provides merchant processing services for VISA and MasterCard and other major credit cards.
www.firstdata.com
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
www.firstdata.com/whitepaper
H
Heartland Payment Systems
A merchant card processor offering payment processing services.
www.heartlandpaymentsystem.com
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
www.HighRiskProcessor.com
I
Innovative Merchant Solutions
Specializing in merchant services; offers all major credit cards for processing.
www.innovativemerchant.com
Interlink Merchant Services
Facilitates the "card not present" merchant along with the standard retail merchant.
www.interlinkmerchant.com
M
Midwest MBN Services
Business credit card merchant accounts.
www.mastercard-visa.com
Credit Card Processing Services, Inc.
Credit card processing equipment and service; debit cards and check guarantee.
www.mcvisa.com
Internet Media Solutions
The company's product, Authorize.net Virtual Terminal, allows vendors to accept credit cards worldwide, over the Internet.
merchant-systems.com
Credit Merchant Account Services
Provides merchant accounts with electronic bank funds transfer terminal.
www.merchantaccount.net
Electronic Merchant Accounts
Establishes credit card merchant accounts. Located in Bentonville, Arkansas.
www.merchantaccounts.net
Del West Merchant Credit Card Services
Establishes merchant accounts and processes credit card payments for direct marketing and internet merchants.
www.mktmkt.com
N
National Card Systems
Serves home based, online, mailorder/phoneorder, retail, restaurant, service & mobile business with handkeyed/mailorder/phoneorder, swiped & address verification submissions.
www.natlcard.com
P
Payovation High Risk Merchant Account Processing
Payment processing and merchant account services for ecommerce business and high risk merchants. All types of high risk businesses welcome.
www.payovation.com
Plug 'n Pay Technologies, Inc.
Offers variety of automated sales systems, that accept, verify payments. Internet-based virtual terminal; marketing at point of sale.
www.plugnpay.com
PosiPay Payments Made Simple
PosiPay Offers Quotes on Merchant Accounts, Credit Card Payment Processing, Merchant Services and Credit Card Services.
www.posipay.com
Credit Card Processing Rates & Merchant Accounts
Find low fee merchant accounts and low rate credit card processing solutions for businesses.
www.processusa.com
Q
Get Price Quotes For Credit Card Processing on QuoteCatcher
Get Up to 5 Free Quotes on Credit Card Processing. Request, Compare & Save!
www.QuoteCatcher.com
R
Retriever Payment Systems
Credit card processing, agent bank information, merchant card and online check guarantee and authorization.
retrieveronline.com
S
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
www.ServiceRelated.com
Shift4 Corporation
Developers of credit card processing software and other transaction technologies.
www.shift4.com
Credit Card Processing - $300 Signing Bonus and 20% Off
Accept Credit Cards Online or In-Store. $300 Bonus Upon Sign Up plus Guaranteed Savings of 20% Off Your Current Rates - no obligation to sign up.
www.symplicitypaymentsolutions.com
T
Capital Merchant Solutions: Credit Card Processing
Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.19% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com
Aaccess Merchant Services
Provider of credit card services for businesses.
www.takecreditcards.com
Total Payment Systems, Inc.
Credit card processing and software for retail and home businesses.
www.totalpaymentsystems.com
V
VendorSeek Saves You Time & Money on Credit Card Processing
Match to Qualified Credit Card Processing Vendors & Find the Right Provider For Your Business. Compare 5 Free Quotes!
www.VendorSeek.com
Apex Card Solutions
Merchant accounts, credit card authorizations, credit card terminals, debit cards.
www.visamc.com
W
Credit Card Machines -Free Equipment With Processing Service
Free credit card machines with lowest processing rates. No Cancellation Fees. Month-to-Month Contract, No Startup Fees. 1.18% Rates. Call today.
www.wholesalecreditcard.com
  • Total System Services, Inc.
Virtual Payment Processor
Accept Credit Card Payments by Phone or Online. Apply Now!
www.ChasePaymentech.com
Stop Chargebacks - Free
Free Service. Our Technology Will Help Your Business Stop Fraud!
www.BadCustomer.com
Credit Card Terminals
Save up to 50% on each unit Lowest price call for specific unit
www.DiscountCreditCardMachine.com

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Guide to Supplies for Credit Card Processing

Get what you need in hardware supplies for your credit card processing system

By J. Stoltzfus, writer/programmer, LOCAL CITIZEN


When it comes to credit card processing solutions for your retail business, equipment is key. From hand-held credit card swiper units for waiting tables, to credit card recording units and other digital tools, you'll need some good hardware to effectively provide customers with payment options. Take advantage of what’s on the market to empower your customers to do business with credit cards.

Unlike online credit card processing solutions, for stores with a "bricks and mortar" setting, the equipment is key to being able to run your credit card processing system. Lots of stores use specialized point of sale terminals; others, including some restaurants, use hand-held scanners. Either way, you can get credit card transaction processing or merchant credit cards hardware from online vendors. Look for these kinds of equipment for setting up a good credit card processing system:

1. Large credit card processing point of sale terminal machines with features like multiple accounts, durability and security options.

2. Accessories like stylus pads, pin pads and view screens for doing debit and cash back options within merchant processing services.

3. Mobile credit card technology for taking hardware out in the field to trade shows or other events.

Action Steps for Best Credit Card Processing Terms
The best contacts and resources to help you get it done


Find point of sale terminals for credit card processing

These handy machines come in different forms, shapes and sizes for specialized business. Look at your volume of daily credit card traffic and see what kind of terminal will best fit your store front.

I recommend: Find POS terminals like the VeriFone Vx 570 and the Hypercom T7P at Electronic Clearing House, a company offering a wide range of equipment and solutions. More similar models are available at credit card processing companies like Infinity Financial Processing where retail business clients can browse models to find what they are looking for.

Look for credit card processing hardware accessories to handle debit/credit capability

With so many retailers offering customers advanced choices for handling their transactions, you'll want pin pads and small customer interface hardware. Check out what online firms can ship you to get these options into your customer's hands.

I recommend: Get Verifone and other point of sale pin pads from ID Systems for easy swiping in your store. You can find a whole bunch of other pin pad hardware like the TRANSACTION TEAM 1500LCD Signature Capture Terminal at POS Retail Solutions.

Locate portable POS equipment for credit card processing versatility

Sometimes you want the wait staff to be able to bring the credit card processing hardware to tables: or maybe you're looking to set up a roving mercantile system. For either of these kinds of innovations, online vendors can set you up with mobile hardware for wireless transactions.

I recommend: The Verifone VX 670 represents one popular solution for bringing the POS hardware to the customer for restaurant credit card processing solutions: get it and more at POSGlobal.com For more than just the standard restaurant style scanners, see what All Things POS has to offer in different models for portable credit card processing services related to all major merchant card companies.

FEATURED LISTINGS
5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
Whitepaper
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
Internet Payments | Retail Processing | Wireless CC Pays
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
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Guide author

Guide to Credit Card Processing Contracts

Understand and negotiate fees and terms set by banks and credit card processing companies.

By Greg Brown


You got the shop set up, the goods on the shelves and customers coming in. But, if you accept credit cards, are you losing money every time a buyer flashes some plastic?

The answer has a lot to do with exactly what terms you agreed to when you signed on for a credit card merchant account in order to accept credit cards. Taking plastic can mean a lot more money: Checks are becoming a quaint memory, and credit card companies have effectively declared war on cash with billions of dollars in marketing messages to the consumer.

So, take that card. But understand what it will cost and make sure you get the best possible deal on merchant card services for your size business. In this guide, you'll learn:

1. How to get equipment and a merchant card services account for cheap — and why that's risky
2. Balancing credit card merchant account fees with per-transaction charges
3. Watching out for fine print with merchant card services
4. Speeding up payment with online credit card processing and mobile credit card processing

Action Steps
The best contacts and resources to help you get it done


Who's who in credit card processing companies

It can be tricky at first, but a credit card transaction has basically four stops along the way. The customer's card is from a bank. It is issued and backed (think customer service)by a card company, like Visa or MasterCard. There's an often a third party clearing the deal (although it might be the customer's bank), and then your bank has to get the money.

I recommend: Forbes has a great, detailed analysis of credit card processing basics. See the gamut of merchant card services at Business.com.

Set up costs for credit card processing companies

The upfront costs of credit card processing -- equipment to accept credit cards, set-up fees, putting money into a kind of escrow called a reserve account -- all this is sunk cost, anywhere from $500 to triple that.

I recommend: Many vendors will eat set-up fees and even discount credit card processing equipment to get a sale, but watch out. They have to make money somewhere, right? If you want to accept credit cards, better to get into the basic terminology at the MerchantSeek glossary on credit card processing or try their exhaustive frequently asked questions page.

Accept credit cards, but price the volume right

A credit card merchant account is vital to many small businesses, but get the right mix of fees. Some contracts favor businesses that processes thousands of small transactions, like fast-food vendors. Others will be better for lower volume, high priced goods, like an antique shop.

I recommend: Bottom line: If your per transaction rate is high -- 5% is punitive, 2% is about right -- make sure fees are low or zero. If you agree to a low transaction rate, fees you might not even notice for meaningless things (statement fees, instance) could be piled on. Allbusiness.com has a good checklist for this. Merchant card services company VantageCard has detailed explanations. Also, run the actual fees you are quoted through the handy calculator at the Merchant Account blog.

Beware fine print in credit card merchant account contracts

Would you agree to eat lunch at the same coffee shop for three years? Buy toilet paper at the same store? Of course not. But if you're not careful, that can happen when you sign on with credit card processing companies.

I recommend: Read up on all the fine print tips at Business Know-How and at Web Marketing Today. See the Business.com directory page, too, for more on setting up a credit card merchant account.

Speed up the money using online credit card processing companies

Using a point-of-sale device, the card swiper we've all seen, is not instantaneous. In most cases, a cumbersome clearinghouse process means your money is days away, and the card might come back bad.

I recommend: Online credit card processing uses the Web to accept credit cards and charge while your customer is still there. (Wireless mobile credit card processing is similar.) This kind of credit card merchant account is particularly useful for automated sales on Web sites or, in the case of mobile credit card processing, for collecting on sales or service calls. Network Solutions, Verisign and Thawte have detailed solutions. There's more on online credit card processing and mobile credit card processing at Business.com.

Tips & Tactics

Helpful advice for making the most of this Guide

  • •  Terminology matters: 'Qualifed' charges means your employee at some point had the card in her hand and swiped it. 'Non-qualifed' charges are taken over the phone. Card processors usually try to charge a lot more for non-qualified charges.
  • •  If you can handle the (slight) delay of not swiping, drive down costs by using online credit card processing. Open a screen, type in the numbers and it's payday.
  • •  Chargebacks -- when customers turn back a charge because of some dispute -- can be expensive. If you deal with a lot of returns, make sure your choices in credit card processing companies won't penalize you for this.

FEATURED LISTINGS
5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
Whitepaper
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
Internet Payments | Retail Processing | Wireless CC Pays
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
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Guide to Pricing and Costs of Credit Card Processing

Understanding the pricing and costs of credit card processing

By J. Stoltzfus, writer/programmer, LOCAL CITIZEN


New technology has made credit card payment processing a lot easier than in years past, and now crowds of retailers in all areas are looking for credit card payment processing service providers to get them solutions for cashing in one of the biggest new revenue streams around. Credit card processing services provide numerous benefits to all kinds of shops and offices, and those left out can find that business losses are pretty large.

When it comes to credit card processing options, businesses can find the right fit by looking at the cost of systems from various suppliers. There are different kinds of credit card processing companies offering services for all kinds of shops including:

1. No fee or free credit card processing start-ups where merchant card processing providers waive initial costs to help a customer get fitted with credit card processing systems.

2. Easy per-transaction systems where merchant card companies take a cut of every deal that goes down.

3. Merchant credit cards companies with "no hidden fees" where costs for credit card processing can be more understandable to the client who is working with a fixed budget.

Action Steps
The best contacts and resources to help you get it done


Find free start up merchant processing services

Business owners aren't made of money, any more than their customers are, and for many of them, getting into a credit card processing system is a costly task that can impact them as much as any other aspect of their business, especially where a lot of business is done online. No fee credit card processing helps out. Business operators can go with these kinds of merchant account options to maximize their profits without breaking the bank.

I recommend: No startup fee accounts are easy at FreeCreditCardProcessing.com, a premier credit card processing handling service waiving application costs for customers. Get more free setup options at Charge.com.

Find per-transaction credit card processing setups

A lot of companies offering credit card processing setups work on a commission basis - they make money when a customer does, by taking a percentage of each sale in exchange for comprehensive credit card processing solutions.

I recommend: Look at the easy percentage-based credit card transaction processing and handling agreements from Intelli-Collect, a company putting payment solutions in clients' hands. Talk to FAST TRANSACT to see how their commission-based merchant accounts can offer credit card processing with per transaction fees.

Look for credit card processing providers without hidden fees

Other companies strive to provide these services without hiding a lot of extra charges in the small print. Buyers who have been burned by a lot of small hidden fees gravitate toward offers that are more straightforward.

I recommend: For relief from charges like leasing fees or warranty club charges, check out Total Merchant Services, where you can get video talk from management. Get a range of other options from USMSmerchant.com, where the company promises no hidden fees and pledges to work transparently with customers.

Tips & Tactics

Helpful advice for making the most of this Guide

  • •  Always match your solutions to your needs for credit card processing service. Look at the scope of your business and find out which kind of offer best applies.

FEATURED LISTINGS
5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
Whitepaper
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
Internet Payments | Retail Processing | Wireless CC Pays
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
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Guide to Credit Card Processing Key Terms

Learn more about what is needed from businesses in credit card processing

By Terri Deno


Credit card processing is becoming much more important for all retail businesses, large and small. More consumers are relying on credit cards instead of cash or checks. This is often out of convenience, because people do not like to carry around a large sum of cash. Retailers that want to begin accepting credit cards must learn the basics of credit card processing, what is expected from the customer at the time of transaction and what is expected of the business to make these transactions.

Action Steps
The best contacts and resources to help you get it done


Merchant account

A merchant account is an account that a business must open in order to start accepting credit cards as payments. The merchant account serves as a type of escrow to process the transactions and release the money after a specific period of time.

I recommend: Merchant Seek offers an introduction to merchant accounts, how these accounts work and what other tools are necessary for successful transactions.

Transaction charges

A transaction charge is a small fee charged to the business that accepts a credit card payment. Many businesses offset these fees by charging convenience fees or adding the fee to the price of the product.

I recommend: Pay Simple provides information on some of the most common transaction charges related to credit card payments.

Mobile credit card processing, wireless credit card processing

Mobile or wireless credit card processing is a way for businesses to accept credit card payments from anywhere. This is a great solution for businesses with no specific point of sale or those that sell items from a variety of different locations.

I recommend: Merchant Warehouse offers a simple explanation of how wireless credit card processing works.

Batch

A batch is the total amount of credit card transactions accepted throughout the day and saved together until after the business day is over, then sent all at once to processing.

I recommend: Bank of America offers a step-by-step guide on how a credit card transaction is processed using a batching system.

Card verification code

A card verification code is the number printed on the back of credit cards that is unique to the specific line of credit. Businesses that request this information reduce the number of chargebacks and incidents of credit card fraud.

I recommend: CE Solutions gives an overview of the verification code and where to find these numbers on credit cards issued by the major credit card companies.

Holdback, reserve

A holdback or reserve is a fee held back from a credit card transaction through a company's merchant account. This fee is held in case there are chargebacks or disputed charges. The holdback is eventually released to the merchant.

I recommend: The Federal Deposit Insurance Corporation (FDIC) offers a Credit Card Activities Manual that explains the transaction process, risks taken on all parties and management of merchant processing.

FEATURED LISTINGS
5 Things You Should Know Before Accepting Credit Cards
We have a wide range of business solutions to help you manage, grow and make your business more profitable.
Detect & Prevent Fraud
Learn Why Fraud Happens. Protect Your Customers & Grow Your Business.
Whitepaper
Credit Card Processing
Free terminals, free setup, free programming and reprogramming. Rates as low as 1.39% swiped.
Internet Payments | Retail Processing | Wireless CC Pays
High Risk Credit Card Processing
High Risk Merchant Accounts, Offshore Merchant Accounts and High Volume Merchant Accounts. All Accounts Approved in 24 hours with low rates!
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What WorksTM for Financial Services

Supplies for Credit Card Processing

Get what you need in hardware supplies for your credit card processing system.
When it comes to credit card processing solutions for your retail business, equipment is key. From hand-held credit card swiper units for waiting tables, to credit card recording units and other digital tools, you'll need some good hardware to effectively provide customers with payment options. Take advantage of what’s on the market to empower your customers to do business with credit cards.

Unlike online credit card processing solutions, for stores with a "bricks and mortar" setting, the equipment is key to being able to run your credit card processing system. Lots of stores use specialized point of sale terminals; others, including some restaurants, use hand-held scanners. Either way, you can get credit card transaction processing or merchant credit cards hardware from online vendors. Look for these kinds of equipment for setting up a good credit card processing system:

1. Large credit card processing point of sale terminal machines with features like multiple accounts, durability and security options.

2. Accessories like stylus pads, pin pads and view screens for doing debit and cash back options within merchant processing services.

3. Mobile credit card technology for taking hardware out in the field to trade shows or other events.

Action Steps for Best Credit Card Processing Terms

The best contacts and resources to help you get it done

Find point of sale terminals for credit card processing

These handy machines come in different forms, shapes and sizes for specialized business. Look at your volume of daily credit card traffic and see what kind of terminal will best fit your store front.
I recommend:  Find POS terminals like the VeriFone Vx 570 and the Hypercom T7P at Electronic Clearing House, a company offering a wide range of equipment and solutions. More similar models are available at credit card processing companies like Infinity Financial Processing where retail business clients can browse models to find what they are looking for.

Look for credit card processing hardware accessories to handle debit/credit capability

With so many retailers offering customers advanced choices for handling their transactions, you'll want pin pads and small customer interface hardware. Check out what online firms can ship you to get these options into your customer's hands.
I recommend:  Get Verifone and other point of sale pin pads from ID Systems for easy swiping in your store. You can find a whole bunch of other pin pad hardware like the TRANSACTION TEAM 1500LCD Signature Capture Terminal at POS Retail Solutions.

Locate portable POS equipment for credit card processing versatility

Sometimes you want the wait staff to be able to bring the credit card processing hardware to tables: or maybe you're looking to set up a roving mercantile system. For either of these kinds of innovations, online vendors can set you up with mobile hardware for wireless transactions.
I recommend:  The Verifone VX 670 represents one popular solution for bringing the POS hardware to the customer for restaurant credit card processing solutions: get it and more at POSGlobal.com For more than just the standard restaurant style scanners, see what All Things POS has to offer in different models for portable credit card processing services related to all major merchant card companies.

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