Merchant Accounts, Credit Cards, Checks, Acceptance, Payment, E-Commerce, Services

Systems and Pricing

It's as easy as 1 - 2- 3 !

First, choose which processing system(s) you will utilize.

Second, choose which rate plan best fits your needs, Swipe or Key-In.

Third, complete an application online.

Please feel free to review the information below to become more familiar with the terminology of credit card processing, then click to the systems and rates charts to the right. (Please note each chart has a link at the bottom of each page back and forth to each other plus a link to the application page.)

Terminal
Software
Internet Gateway / Virtual Terminal
Wireless-enabled Palm and Cellular Devices
Transaction Types
When Are Funds Transferred?
Automatic Host Capture
Terminal Capture
Swiped Transactions
Non-Swiped Transactions
Address Verification System
Glossary of Terms

Terminal
Simply swipe your customer's card through your terminal or manually enter (key-in) the card number on the terminal keypad.

Whichever way you submit your transactions, the information is passed through to our bank authorization network which will respond back with an approval number or a decline message.

You may complete the sales draft utilizing a manual imprinter or choose an electronic printer which automatically generates transaction receipts and daily reports for easy bookkeeping.

We also offer a variety of Terminal / Printer All-In-One and Wireless products.
Systems Chart | go to top of page

Software
Depending on your Software application, you can (a) swipe the card through the computer card reader, (b) manually enter (key-in) the card number on the computer keyboard, (c) Import a file, or (d) integrate your software with a billing or Point of Sale software for maximum automation and efficiency.

Whichever way you submit your transactions (individually or in a a batch file), the information is passed through to our bank authorization network which will respond back with an approval number or a decline message.

We offer a variety of PC / MAC compatible credit card authorization software programs so you can process all major Credit Cards, Debit/ATM Cards, and Check Guarantee -- faster and more efficient then ever before! Operates in pop-up windows or integrate it to work replica handbags behind the scenes. Online and off-line batching, Import/Export, multiple merchant numbers, address verification, installment payments, reporting and more!
Systems Chart | go to top of page

Internet
A variety of options are available to accept credit cards utilizing the Internet.

Receive Email then Key-in to Terminal or Software
You can receive orders via e-mail, in which case you can then manually key-in your transactions into a Terminal, Software or Internet-based Virtual Terminal.

File Download then Import to Software
You can create a script that compiles a file on your server which you can then download to your computer and import into your Software program.

Internet Gateways & Virtual Terminals
The Internet Gateway is an automated Internet connected server that emulates a terminal. There are a few ways to Post transactions to the server-- from your web page, via the Virtual Terminal (see below) or by passing through transactions directly from your server. Internet Gateways or programmed servers are designed to receive transactions and process them in an automated environment. Like a credit card terminal, the server checks with the banking network and responds if the card is good. When responding to a transaction posted at your website, the server sends the approval or decline message back to the server that hosts your site. If approved, you script your site to display your approval response page confirming shipment will take place, or allow instant access to the information or files the customer is buying. If the card is declined you can provide an error message such as prompting the customer to use another card. Gateway approved transactions respond with an automated email confirmation to both the customer and merchant. You may also automate additional e-mail responses to your shipping department or supplier, or additional scripting onto your server to create a completely automated environment.

You may utilize your own shopping cart order entry system or in some cases we can provide the shopping cart at no charge. We will provide you with simple HTML code to add to your Website order form for online real time processing. You may also integrate your server billing system to pass through dr dre headphones transactions in batches. These functions vary by Internet Gateway, so please be sure to check with one of our representatives.

The Virtual Terminal is a secure website page where you can enter transactions and view reports, accessible by utilizing your PC or Wireless-enabled Palm Device (see below). To access the page, enter the USER NAME and PASSWORD we provide. The Virtual Terminal can be used for processing telephone orders, fax orders, mail orders, off-premise sales and billing administration. You may also attach a card reader to your PC or PDA to allow for swiped transactions through the Virtual Terminal.

Wireless-enabled Palm and Cellular Devices
Now you can accept credit cards "on the go" when utilizing a Wireless-enabled Palm or Cellular Device anytime...anywhere you have wireless coverage. Transactions are passed through your wireless carrier to the Internet Virtual Terminal, as keyed-in, or SWIPED if you have a card reader attached. Now you can increase your sales with the benefits of mobility and simple transaction processing. Plus, you can reduce the potential of fraud, disputes and chargebacks. You may also qualify for a retail swipe merchant account with lower discount rates.
Please review the Internet Processing Gateways on the Systems Chart.

Systems Chart | go to top of page

Transaction Types
You can Authorize charges and Post transactions for payment all at once as a SALE... or, you can Pre-Authorize a card through the Terminal, Software, Internet Gateway or by calling our 24 Hour-A-Day Voice Authorization Center, then Post the transaction for payment at a later time. (i.e.. off premise sales or if the terminal is not working) You can also Void or Refund transactions.

When utilizing the Internet Gateway, if the goods will be physically shipped, you might set up the transaction to be processed as an Authorization Only, reserving the funds subject to shipment, then, upon shipment, Post the transaction for payment utilizing the Virtual Terminal.

Or, you may just set up the transaction as a Sale in order to Authorize and Post the transaction for payment instantly, relieving you of the second step (Posting a transaction) as described above.
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When Are Funds Transferred?
Your captured transactions are deposited to your checking account within two business days of settling out your daily batch. You do not have to submit the signed sales draft for payment unless requested, so you need to save these in the event of a dispute so you can substantiate the transaction.
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Automatic Host Capture
Unlike many other processors, we automatically capture each transaction as they are submitted - when you utilize our Retail Host Capture Program - so, if you do not want to worry about closing out your terminal or would prefer an automated solution -- such as integrating your website with online processing -- or if you have a have a power failure or you just forget to close-out (settle the batch) at the end of the day, we automatically settle your batch for you at 5 am EST, assuring your funds are transmitted to your account promptly.
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Terminal Capture
Restaurant and Lodging Terminal Capture Programs require you to manually close the batch for payment via the terminal, since there are adjustments like tips and additional room charges that have to be entered.
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Swiped Transactions
Since the terminal "reads" the magnetic stripe, we know the card is present which greatly reduces the risk of disputes and possible chargebacks. You will receive the lowest rate for these type of transactions.
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Non-Swiped Transactions
You can manually key in the credit card number if the card is not readable or not present, i.e. (a) bad magnetic stripe, (b) off-premise sales keyed in at a later point in time, (c) posting pre-authorized transactions, (d) mail or phone orders, or (e) Internet or other automated transactions.

Always obtain an imprint whenever possible, in order to provide proof of the transaction if requested. This will help to prevent possible chargebacks.
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Address Verification System
The Address Verification System (AVS) is available when authorizing transactions via telephone, terminal, computer or Internet.

You are prompted to enter the customer's billing address (street number) and zip code, whereby you will receive a response along with the approval number verifying if the address matches the billing address and / or zip where the cardholder receives their statement. When using AVS on keyed in transactions, if the address and zip matches, your transactions are considered "Qualified", which are billed at a lower rate due to the lower risk of the transaction. Transactions that do not match are considered "Mid-Qualifed" and are billed at a slightly higher rate. If the AVS does not match, you might decide not to ship the goods or services, as the true cardholder would know the address and zip. The AVS thereby can reduce the risk of fraud and/or chargebacks due to usage by non-authorized buyers or customers claiming they did not receive the merchandise. When shipping merchandise, we recommend using a carrier where proof of delivery is required.
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Following are some important factors to consider:

How many transactions will be processed monthly?

Average amount per transaction?

How will you receive orders? Retail, Telephone, Snail or E-mail, by fax or on your website?

Are the goods or services provided in person, shipped or downloaded?

Is repeat ordering or access provided?

Click to view the Systems Chart or Rates Chart.

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Systems Chart

Rates Chart