Apply Now for Merchant AccountOnline Processing for eCommerce, Payment Gateways, Shopping Carts

 

 

 

  1. How online processing worksThe online customer finds the merchant's website and adds products to their shopping cart. When they are ready to check out, they enter their billing information.
  2. If the merchant does not have a secure page, the customer can be transferred to a secure payment gateway. If the merchant does have a secure site, then the information will be "passed" to the payment gateway without the customer ever leaving the merchant's site.
  3. Once the billing information has made it to the payment gateway, it is then transmitted to the processor.
  4. The processor passes the information from the online processing payment gateway onto the bank that issued the credit card, which verifies that the card is valid and that the amount requested is available on the card.
  5. The bank sets aside the purchase amount for the merchant, then sends back an approval number or a decline message to the processor.
  6. Within 3-15 seconds, the information in steps 2-6 is passed back to the payment gateway.
  7. The gateway passes the approval code back to the merchant's site or, if the merchant does not have a secure site, gives the customer their approval information. At this point, the merchant can also choose to have the payment gateway email the customer a payment receipt.
  8. Final payment is secured and is deposited in the ecommerce merchant’s account. It typically takes two business days from the time of the original transaction for the funds to reach the merchant's checking account.

 

What You Need to Begin Processing Credit Cards Online

 

In order to sell goods and services effectively and securely online, you will need the following things:

1. An Internet Merchant Account. A merchant account is a type of bank account or line of credit that allows businesses to accept payments by debit or credit cards An ecommerce merchant account is specifically designed to handle online payment processing of credit cards. CardSolve | First Data provides merchant accounts that work with a multitude of payment gateways and shopping carts.

2. A Payment Gateway. A payment gateway like PSIGate, Beanstream, Cybersource or PayPal Payflow Pro allows an online business to accept credit cards securely and easily through its website by providing the infrastructure and security systems necessary to transmit transaction information. Basically, an online payment gateway operates much like a stand alone credit card terminal, except it uses the Internet instead of a phone line.

Which payment gateway would you prefer? Choose below.

 

A Virtual terminal on your PC is usually a standard offering with Payment Gateways. To take it to the next level and integrate your ecommerce payment processing automatically using Shopping Cart Software.

3. Shopping Cart Software. Shopping cart software programs automatically connect your Web site to the payment gateway, allowing you to accept credit card payments immediately. There are numerous shopping cart solutions out there that come with a wide range of features, such as easy customization, one page check out, and a collection of powerful administrative tools

 

Payment Gateway includes:

  1. Online processing for all major credit cards
  2. Fraud prevention tools
  3. Transaction level reporting
  4. Virtual terminals included free with payment gateway
  5. Recurring billing
  6. Shopping cart integration with all major shopping carts
  7. Address Verification Service (AVS)

 

CardSolve ecommerce merchant account numbers work with

 

 

Apply now for Merchant account