Credit and Debit Card Processing

You will need a merchant account to accept credit and debit card payments which is entirely separate from your bank account. As a retailer with a merchant account, you'll have an agreement with a merchant bank and a payment processor for the settlement of credit card and/or debit card transactions to go into this separate bank account.

To set up a merchant account, you will need to choose a credit card processor, like Credit Cards Processing Company.

After establishing your merchant account, you'll have to get proper equipment (hardware and software) to process credit cards. The equipment you choose will depend on the type(s) of business you operate.

Debit card processing works just like accepting credit cards except when you enter in the customer's debit card transaction (the amount to cover the purchase), is deducted from the customers' bank account.

Apply For A Merchant Account Offering These Credit Cards:
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Debit Cards

Debit cards perform just as easily as credit cards allowing customers to deduct funds for purchases from their bank account. Debit cards require a PIN number to be entered before a purchase can be complete. People refer to Visa and MasterCard Check Cards as Debit cards because they perform the same functions as a true Debit card, except Check cards do not require a PIN number to make purchases. Check cards are easily identified by the familiar Visa or MasterCard logos on them.

  • No required signature
  • Lower processing fees [in many circumstances]
  • xtremely low risk of chargeback
  • The needs of the customer are met
Business Cash Advances

Business Cash Advances are provided by our sister company, Main Street Business Loans

Main Street Business Loans (MSBL): There's a difference between a Business Cash Advance and a Merchant Cash Advance (MCA). Main Street Business Loans (MSBL or Business Cash Advance):

  • Average MSBL funding doubles that of MCA
  • Fixed daily payments/direct ACH (M-F)
  • No minimum processing volume required
  • Need to have been in business 1 year
  • 540 Fico Score or higher
  • Less documentation needed than a bank loan
  • Future delivery accepted
  • High approval rates
  • Program terms range from 3-10 months
  • Finance up to 10%-11% of annual gross sales
  • Premium pricing available
  • Click here for Merchant Cash Advance (MCA).

    Check Guarantee

    For face-to-face transactions, Check Conversion with Guarantee enables merchants to process checks electronically…just like a credit card.

    For Face-to-Face Transactions where "customer is present" environment. The check is verified by screening it through several databases and fraud detection systems. Once the check passes a sophisticated risk assessment it is authorized at the point of sale. The funds are then electronically deposited into the merchant's bank account in 2-3 business days. Eliminates the risk of accepting checks.

    Click here to read more about Check Guarantee.

    Gift Cards
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