Online

Build your online empire with exactly what you need including:

Virtual terminals

Even if you don’t have a website, you can:

Secure credit card processing with encryption

Same day funding, if eligible

Fraud and chargeback reduction

Automatic regulatory compliance

Digital tracking of transactions for easier management

Contactless payments for convenience and public safety

Accept multiple currencies

Monitor activity easily via web portals

Error-free checkout processes to avoid losing customers

Payment Gateways

Regardless of your risk factor, we make it easy to find the best-fit payment gateway for your needs. A payment gateway enables you to allow customers to pay with credit cards. This gateway technology reads payment cards and sends the customer information to the merchant acquiring bank to process. This conduit connects your customers and their credit card information to your merchant account so you can get paid.
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Payment gateways are essential for card-not-present (CNP) transactions. These transactions are typically entered when the buyer and seller are not face-to-face. Payment gateways are used for online and mobile transactions.

We make sure your payment gateway enables these benefits to improve cash flow and reduce risk:

Innovative technology to protect and streamline your business operations

Lowest possible fees to save more of your hard-earned money

Customized solutions for your unique needs to optimize your financial situation

Same day funding to promote stronger cash flow

Tap into our expertise and staying on top of the ever-changing regulations so you can focus on your business

Secure transactions for peace of mind

Shopping Carts

Integrate shopping carts into your online presence to grow your business. These secure shopping carts enable you to quickly add this feature to your website or build one fast. We provide affordable processing rates, and our e-commerce solutions integrate with these popular shopping cart services:

Big Commerce

ClickFunnels

GunBroker

Magento

NetSuite SuiteCommerce

OpenCart

Recurly

Shopify

SquareSpace

Weebly

Wix

WooCommerce

ZenCart

Chargeback Prevention

If you don’t utilize RDR, we offer chargeback protection service to help you dispute authorized or fraudulent charges.

Greatly reduce your number of chargebacks by implementing our chargeback mitigation program

Get alerts from Ethoca and Verifi to quickly identify potential chargebacks and quickly control the situation

Available to all levels of risk

Retail

We’ll set you up with a customized solution tailored to your unique retail requirements. Some elements include:

Set up an in-person terminal with latest technologies and POS account to make doing business easier

Connect your online store to your merchant account to help you grow your business

Add security to the checkout process through an array of fraud detection (link to section on products page) products to reduce risk and chargebacks

Provide detailed reports to track inventory effectively and identify potential theft

Mobile

Forbes polled Americans and found more than half of Americans use digital wallet apps and services more often than traditional payment methods. Younger consumers are twice more likely to pay with digital wallets than their older counterparts. Worldwide, digital wallets account for 49% of all e-commerce transactions with a projected rate of 54% by 2026 in the same study. This upward trend means it’s important for merchants to begin offering this important payment option to take advantage of the tendency for buyers using this payment method to spend more than traditional payment methods.

Other reasons why offering mobile payments is essential to the success of your business:

Quicker processing times and a guarantee the sale goes through

Higher earning potential since consumers are willing to buy more because it’s easy, safe, and reliable

Convenience factor—customers want to swipe their phone and streamline the payment process

Safest payment option—eliminate risk when the buyer is right in front of you

MOTO

Mail order and telephone orders are still a thing and it’s important to make sure you have the proper set up to protect you and your customers while offering a convenient and current solution. Our virtual terminal is all you need.

Telephone transactions add a personal touch and with our solutions you can rest easy knowing proper security measures are in place

Mail and email orders are fast and easy. Simply enter the credit card information and send the customer receipt automatically to save time and improve efficiencies

Credit card payments via fax. Fax technology is still in use and you can safely and security take payments via fax and automatically confirm the purchase enabling one more way to accept payment.

ACH

Removing obstacles to purchasing is essential. That’s why we offer ACH payment processing. The application process is simple and quick. Once you’re approved, you can start accepting ACH payments right away.

ACH payments only require an internet connection—no terminals required so you can easily offer this payment option to your customers

Subscribe customers to recurring payments automatically with preset options for revenue to help strengthen cash flow and avoid dips

Reduce fraud by having customers enter their bank account once using encrypted electronic payments which eliminates risk of the information being intercepted by criminals.

Save money with this cost-effective payment option since ACH fees are typically lower than credit cards

Ideal option for high-risk industries and merchants because it has lower risk

Offer recurring billing for added convenience to your customers and to bolster your cash flow

eCheck

By offering eCheck payment option, your customers pay you with an electronic version of a paper check. The customer pays directly from their checking account and the funds go directly into your bank account through the ACH network.

Benefits of using eCheck include:

Reduce the risk for chargebacks and fraud

Simplify the reconciliation process with detailed report options

Lower the risk of NSF return payments

Instant payment processing

Here’s how eChecks work:

Your customer authorizes the transaction

ACH network verifies and approves the payment

Funds transfer into your business account

Cryptocurrency

Alternative payment methods are increasing as technology advances. If you want to further reduce obstacles to purchasing, we recommend learning about cryptocurrencies and integrating them into your business.We’ve integrated blockchain technology into payment processing and offer advanced digital currency solutions. You can now offer the convenience and security of Bitcoin and other digital currencies as a non-traditional payment option for your customers.

Benefits of offering cryptocurrency payments:

Lower processing fees

Simpler transaction since Bitcoin and other digital currencies act like cash

Peer-to-peer transaction eliminates other financial parties in the exchange

Fast processing speeds with same-day receipts

Eliminate chargeback risks

Surcharging

Some merchants opt to add a surcharge to their products and services to recoup the cost of processing fees. Instead of offering a cash discount, you can add a surcharge to purchases for customers who wish to utilize the convenience of credit cards. Standard industry rates range from 1% to 4% of the total purchase price. This puts the financial burden of using credit cards back on the consumer. Some industries lend more favorably to this option than others. Surcharges are permitted in most U.S states and territories. Talk to our financial experts to see if we recommend this for your business.

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Benefits to adding a surcharge to your credit card purchases:

Recoup all or some of your credit card processing fees

Increase profits

Fast, effortless boost to your revenue

Lower operating costs

Offsets drops in revenue

Strengthens businesses with low average transaction values

Dual Pricing

Significantly lower your credit card processing fees by offering different prices for cash customers and those paying with credit card. Our POS terminals support this option which can help you save money.