Payment Processing
Start Accepting All Forms of Payments
We provide CUSTOM payment processing solutions that fit your business. Online, in-store, and even on-the-go, wherever your customers are, we’ll connect you to the right payment processing technology to keep your sales flowing and your customers smiling. We essentially partner with you to help you grow your business with our payment solutions that improve customer loyalty and boosts your cash flow.
Top notch Processing Benefits
Lowest Processing Rates
In addition to finding the best rates for your business type and size, We will meet-or-beat any competitors processing rates. Plus, our customer service is second to none.
Next Day Funding
Speed up your cash flow with our next day funding options. Gaining quick access to capital is critical to developing your business.
Accept All Payments
With our cutting-edge equipment, you can accept credit cards, mobile payments, checks and everything else they might throw at you.
Free POS Hardware
Qualified merchants are able to receive free processing equipment and POS hardware packages, like mobile terminals.
What’s a Merchant Account?
Let’s face it. We are practically a cashless society. And CONVENIENCE is KING if you’re wanting repeat customers. That is why you must be able to accept debit and credit cards for payment from your customers.
Since very few people these days carry cash, and everyone shops online at all hours of the day and night, being able to process credit cards for payment translates directly to increase sales.
You need a merchant services provider and a merchant account that understands your business.
What’s a Payment Processor?
A payment processor is a company that handles the transactions required for your customers to buy your products. This company communicates with your customer’s debit or credit card company to see if they have the funds available to make their purchase. If they do, the funds are transferred, and the purchase is completed. This all happens in just a few seconds.
We handle this aspect & take security measures such as confirming your customer’s card information is correct. It is our responsibility to ensure that no fraud occurs.
Accept All Payment Types
Customers love debit cards, they are easy to use, just like credit cards, but the funds come directly out of their bank account, so they don’t have to pay interest. You don’t need to know everything that happens once the debit card is swiped or the chip is inserted, to find a debit card processor. But having a general understanding of how the process works will help you understand the fees that are incurred at various points in the system.
First, the terminal transmits encrypted information to the card-processing network. The network makes sure that all the transaction information is correctly formatted. Then, it does a fraud analysis and sends the information to the bank that issued the debit card. The issuing bank verifies that the card hasn’t been lost or stolen, confirms that funds are available, and notifies the merchant whether or not the transaction has been approved. This all happens in a matter of seconds.
Customer data sent generally consists of the card number, funds requested, and the date. Merchant data includes the name, location, and merchant category code, or MCC, that is used for rewards programs. If the customer entered a personal identification number (PIN) that is encrypted and sent also.
At the end of the day, or sometimes several times during the day, the merchant sends all the authorized transactions back to the network to be reconciled and sent back to the issuing banks and financial institutions. The transactions are then posted to their customer’s accounts.
The network then calculates how much money each issuer owes the network and the merchant. Payment usually happens within a day or two. Whether your business is 100% swipe, partially online, or primarily in wholesale, we have debit card processing solutions that will keep your business up and running.
Credit card processing is very similar to the way debit card processing works. The bankcard networks send transactions between merchants, processors, and banks. In just a few seconds, your credit card processing software securely sends information to a processor and then through the network for a