Merchant Accounts & Credit Card Processing


   Retail      Wireless

  Internet Gateway   Mail/Telephone

     CoCard specializes in Credit Card Processing, Merchant Accounts, Real-Time Online Credit Card Processing and Authentication Solutions. These credit card processing solutions can be divided into three types of Credit Card Processing options, storefront/retail credit card processing, mail order/telephone order, and Internet/online credit card authorization or Real-Time Credit Card Processing for all merchant account types.

     A storefront/retail credit card processing solution would include the following types of business and applications. If you are a retail merchant with a storefront, you will want a credit card processing terminal that allows you the flexibility to process credit cards by swiping the credit card. This gives you the ability to obtain the best credit card processing discount rate. These types of terminals are available from several credit card terminal manufacturers and come with credit card swipers, printers, and debit card pin pads integrated into one unit or as individual components. For example, a retail merchant with a high volume of credit card processing transactions will need a credit card machine that will process credit cards using a fast modem and with a large memory capacity. A restaurant with high volume will want to consider a credit card terminal that prints out a large receipt for their customers. That merchant account may require a separate keypad and printer. Today, with many customers using check cards as a form of payment, retailers are choosing to process these cards as debit cards and thereby avoiding being charged a credit card processing discount rate. We offer debit card pin pads to meet the needs of that type of merchant account.

     A mail order/telephone order business will have a couple of options in regards to their credit card processing since they will not actually meet with their customer face to face. Even though a mail order/telephone order business does not actually require a printed receipt, it is best to have a credit card processing solution that offers a printed receipt for several reasons.

• In order to insure correct amount when keying in the sale for credit card authorization
• In order to insure the correct account information when processing credit cards
• In order to print a daily credit card processing report that will enable you to reconcile the ACH deposits into your bank
• In order to include a credit card authorization sales draft with the customer’s order

     We can offer software such as Authorize.net to meet your Real-Time Credit Card Processing needs. Authorize.net interfaces with many of the shopping carts available for use on the Internet. For a list of compatible shopping carts available for interface with Authorize.net online real-time credit card processing please visit our Shopping Cart List. Authorize.net will give you the flexibility to integrate a credit card processing solution into your web site. For example, if you have any mail order/ telephone order business, you can manually enter these credit card sales into the virtual terminal, a part of the Authorize.net software. With an online real-time credit card processing solution, the transaction will be approved within two to three seconds and you will have account settlement immediately. Your customer will have the security of 128-bit encryption that will allow them to shop in comfort.

     Depending on the Credit Card Processing Solution that fits your needs, we will help you determine the appropriate merchant services account Rates and Fees. We offer competitive prices on credit card equipment such as credit card swipers and credit card printers, and also on the software required for real-time credit card processing. Whether you are a retail/storefront or an internet/e-commerce company, our support staff is available 24 hours a day, 7 days a week to help you with all of your credit card processing needs.

CoCard can assist your business in processing all major credit cards. As soon as you fill out the Online Application, we will begin the steps necessary to getting your merchant account ready to offer the convenience that comes with the acceptance of credit cards. We offer competitive Rates and Fees for your new merchant account. We will determine a discount rate that is appropriate for your credit card processing needs.

     All of the fundamentals of credit card processing are presented in more detail in Credit Card Processing 101. Here we go into the specifics of credit card processing, including a concise explanation of credit card processing discount rates and credit card authentication transaction fees and a step by step guide to credit card authorization for your merchant account. Please read Credit Card Processing 101 if you have any questions about what credit card processing solutions your business may require.

[ home : merchant accounts : products : credit card processing 101 : merchant account rates ]

In association with Bank of America, NA   

         P.O.Box 33676, Atlanta, GA 30030 1-800-317-1819 404-499-9944

© 2006 CoCard
contact webmaster