At first, learning about credit card processing and choosing the right merchant services company for your business may appear to be a daunting task.

A single web search will deliver a seemingly endless list of service providers. Which one is right for your business? What is a merchant account and why does your business need one? How does a merchant account work? What sort of precautionary steps should you take to ensure secure credit card processing? In this section we try to make credit card processing easier to understand by answering some of the questions you may have. If you have any additional questions, contact one of our helpful customer service representatives at 1-800-991-2291.

How it Works Diagram: Follow the merchant account transaction cycle from the merchant’s point of sale to the merchant’s checking account.

Merchant Account Basics: What is a Merchant account? What is a merchant account discount rate and transaction fee? What is the difference between “Card Present” vs. “Card not Present transactions? What other fees should I expect?

Tips for Proper Transaction Processing: Read a list of steps that assist merchants in complying with MasterCard's and Visa's regulations when processing transactions.

Internet Credit Card Processing Risk Management Tips: Learn more about reducing your exposure to fraudulent activity when processing transactions online.

Frequently Asked Questions and Answers: View a list a questions merchants have frequently asked our customer service representatives in the past.

Glossary: Search a list of terms related to the merchant services industry.

Questions? Call a customer service representative at 1-800-991-2291 or to receive a customized rate quote by email, fill out our brief online Quote Form.