Overview
Accept credit and debit card payments: in person, online, or on the go. Credit card processing connects your business to every major card network (Visa, MasterCard, Amex, Discover) so you never lose a sale because a customer can't pay.
We work with processors who offer competitive rates, transparent fee structures, and reliable service. Whether you need a countertop terminal, e-commerce integration, or mobile payments, we'll set you up with the right solution and make sure you understand exactly what you're paying.
How do I get one?
Key qualification requirements:
Choose a Payment Processor
The first step is selecting a payment processor or merchant service provider. These companies handle the transaction processing and offer various tools and services to facilitate payments. Factors to consider include fees, integration options, customer support, and additional services like fraud protection.
Set Up a Merchant Account
A merchant account is a special type of bank account that allows your business to accept credit card payments. The payment processor usually helps set this up, and it's where the funds from credit card sales are deposited.
Integrate with Your POS System
If you have a physical store, you'll need to integrate the credit card processing service with your POS system. For online businesses, integration with your e-commerce platform or payment gateway is essential.
Understand the Fees
Credit card processing comes with various fees, including transaction fees, monthly fees, chargeback fees, and more. These fees can vary based on the payment processor, the types of cards you accept, and the volume of transactions. Be sure to review and understand all the fees involved.
Ensure PCI Compliance
To protect your business and customers, you must comply with the Payment Card Industry Data Security Standard (PCI DSS). This involves following best practices for securing cardholder data and preventing fraud.
Monitor Transactions
Once your system is set up, it's essential to monitor transactions regularly. This helps you spot any irregularities, manage chargebacks, and ensure that funds are being deposited correctly.
Rates and Fees
Credit card processing fees can vary depending on the payment processor and the types of transactions you handle. Typical fees include:
- Transaction Fees: Usually a percentage of the transaction amount (e.g., 1.5% to 3.5%) plus a small fixed fee per transaction (e.g., $0.10 to $0.30).
- Monthly Fees: Some processors charge a monthly fee for account maintenance, typically ranging from $10 to $50.
- Chargeback Fees: If a customer disputes a charge, you may be charged a fee, usually between $15 and $25.
- PCI Compliance Fees: Some processors charge an annual fee for ensuring your business is PCI compliant.
FAQ