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Credit Card Processing

Most businesses rely on credit card processors to handle the details of accepting credit and debit cards. Credit card processing is a critical service—it ensures that customers can simply and quickly checkout. 

Credit card processing is a complex service involving multiple moving parts, emerging technologies, payment networks, regulatory bodies and financial institutions. Like any service involving that level of complexity, credit card processors often vary in quality.

When evaluating potential credit card processors and merchant acquirers, ask questions about these four critical areas where the quality of payment processing matters most to your business:

  • Transaction speed

  • Fair and transparent rate structure

  • Access to helpful customer support

  • Cancelation Policy

Traditional Processing

Traditional Processing

Interchange Plus

It's simple, We Guarantee the lowest rates for processing.

If you can expect credit card processing costs to range from 1.5% to 2.9% for swiped cards, and 3.5% for keyed-in transactions, why are processing rates all over the place?

  • Card Network: Visa, Mastercard, Amex, Discover, etc., set the interchange rates for various cards.

  • Processing Volume: Typically, the more credit cards you process, the lower the per-transaction rate. 

  • Types Of Business: High risk industries may be subject to higher rates.

  • Swiped vs Keyed in Card: Swiped transactions generally cost lower because they carry less risk compared to keyed in transactions.

  • Credit Card /Merchant Services Provider: Your payment processor may mark up your rates, so specific costs can vary from one provider to the next.

That being said, we will guarantee you the absolute best rates possible.

No Fee Processing
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Zero Fee Processing
Dual Pricing

Did you know that as the merchant, you are paying for your customer's rewards points when they use specialized credit cards? The biggest reason businesses switch over to a Zero Fee program is because they can eliminate most – and in some cases all – of their credit card processing fees. The customers that pay with a credit card also pay for the credit card processing fees. This is a huge saving for small businesses that can then use these funds to expand operations, expand marketing efforts, or simply grow their savings.

Our Zero Fee program works by providing your customers with a cash and credit price. If the customer pays by cash, they receive a lower price. If they pay by credit card, they pay a price which includes your cost of processing with their credit card.  The end result? You eliminate your business’ credit card processing fees and encourage your customers to use cash, while still providing them with the option to pay by credit.

e-Commerce Gateways

Gateway & e-Commerce Processing

A Gateway captures and transfers payment data from the customer to the acquirer and then transfers the payment acceptance or decline back to the customer. A payment gateway validates the customer’s card details securely, ensures the funds are available and eventually enables merchants to get paid. It acts as an interface between a merchant’s website and its acquirer. It encrypts sensitive credit card details, ensuring that information is passed securely from the customer to the acquiring bank, via the merchant.

  • A customer places an order and inputs their credit or debit card information.

  • The transaction will be labeled as card-not-present (CNP) by the merchant services company (which may result in slightly higher processing rates).

  • The data is encrypted and sent to the processor.

  • We then send the data along to a credit card network (VISA, Mastercard, etc.).

  • The transaction is either approved or denied.

  • If approved, the issuing bank (customer’s bank) notifies all parties involved.

  • The steps to this final authorization takes only a few seconds. Merchants will receive the funds at their acquiring bank within 1-2 days.

Mobile Processing

Mobile Processing

While mobile swipers may not completely replace the traditional POS terminal for most businesses, it can help increase sales and heighten customer service in almost every vertical.

You can now complete sales, receive tips, get authorizations and digitally send receipts quickly and securely with a simple swipe and tap.  You and your customers will enjoy quick, secure transactions every single time.

Mobile credit card processing is the ultimate answer for any small business or company looking for a low cost solution to accepting credit cards while out in the field. Our mobile credit card processing services can assist you in increasing sales by accepting credit cards anywhere your business takes you!

Your business can perform all the same functions including credit card transactions and authorization right from your cell phones. Utilized in conjunction with a secure credit card reader, you have a very sophisticated, highly mobile and less expensive point of sale product.

POS System

POS Point Of Sale 

Operating a retail store or restaurant calls for a range of administrative, management and marketing skills. From ensuring that there’s enough inventory to putting together monthly sales reports, these skills are necessary to make certain  your store runs smoothly.

Many tasks in a retail store can be overly tedious and resource exhaustive. With the right POS system, retailers have the ability to simplify crucial daily business operations with greater proficiency.

  • Monitor/ Tablet

  • Barcode Scanner

  • Credit Card Reader

  • Receipt Printer

  • Cash Drawer

  • Weight Scale

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