San Clemente Links - Credit Card Merchant Services

Cardservice International is the largest independent credit card processing company in the country with over 12 years of experience, specializing in serving non-traditional merchants, such as new, Internet-based companies, home-based, and phone order/mail order businesses. Unlike other traditional merchant account providers, Cardservice is able to establish merchant accounts for business owners who may have less-than-perfect credit. Cardservice has over 150,000+ merchants online and processes over $6+ billion in credit card transactions every year. Cardservice International is committed to providing the very best service in the transaction processing industry.

Why You Need A Merchant Account & Payment Gateway
In order to take any credit card orders you must have a merchant account. The merchant account company will take a percentage out of each credit card order you take (referred to as the discount rate), and give that money to the credit card company (ie VISA or MasterCard). Then the merchant account company will deposit the rest of the money in your business checking account. Most money will be available to you within 48 hours.

A Payment Gateways serves 3 purposes:

1.     It allows you to perform 'real-time credit card processing' in conjunction with your online shopping cart program such as Miva Merchant or Miva Order.

2.     It allows you to manage your credit card charges through your browser including inputting credit card charges, viewing charges, processing returns, reporting, and performing searches. Your gateway replaces the 'keypad' or 'swiping device' that you see in most brick and mortar businesses. Everything can be performed online in your browser!

3.     Fraud protection is performed by the gateway, which helps your business minimize fraudulent orders.

Advantages of working with CardService International include:

• Single source for E-commerce software, service and support
• On-line merchant application and 98% approval rate
• Fully integrated secure payment gateway
• Scalable modules allow tailoring to any level of service
• 24-hour customer service, 7 days a week, 365 days a year
• Funds are deposited within 24 to 48 hours of transaction approval
• Robust sales management tools and reports
• No Long Term Lease
• Pre approved merchant accounts for up to $30,000 per month

Merchant Services Terms & Definitions

• Application & Set up Fee
  Initial fee paid to merchant service provider for establishment of account, processing and reporting tools & capabilities.
• Discount Rate
  The percentage of the transaction that the merchant is charged by the merchant service provider for facilitating a credit card transaction.
  Example: (2.35% of $100 = $2.35)
• Transaction Fee
  Small charge paid to the "processing network" (e.g., Visa/MasterCard) for use of their system, for each transaction processed.
  Example: (2.35% of $100 = $2.35 + .25 cents for the transaction = $2.6)
• Minimum Monthly Fee
  Merchants pay for credit card service on a per transaction basis, through a combination of transaction fees and discount rate charges. Generally, based on normal business volume, these transaction-related charges cover the minimum monthly fee.
  Example: (2.35% of $100 = $2.35 Minimum is $10 - $2.35 = $7.65)
• Monthly Service & Statement Fee
  Monthly service charge paid to merchant service providers for statement preparation, reports and 24/7 technical support.
• Monthly Gateway Fee
  A monthly service fee charged for using secured processing fiber-optic lines to complete transactions immediately in encrypted, protected code. 

CLICK HERE TO APPLY TODAY!