Blue-Background Merchant
  • We make payment acceptance easy

  • We accept payment everywhere you go

  • We accept online payments

  • Our aim is to grow your business

Incase you are looking for an online payment service; you can reach us on 800 264 8046.

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credit card processing

When you begin accepting credit cards in your venture, you will be faced with fees ranging from application and setup fee, to customer service and processing fee.

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merchant account service

In our ever changing global economy, few people are carrying cash and this is why credit card processing is becoming increasingly important to the bottom line of your business.

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payment processing

These are the front-end and the back-end. The front-end processors usually have the connections with different card associations and offer settlement & authorization services to merchant banks.

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Basics of credit card processing

If you would like to get the most out of accepting credit cards, it is important to take time to understand who to work with in order to process payments, getting set up, avoiding problems, the factors to look for in a processor and how to ensure that your fees remain at the minimum. To get started, you will need to choose a payment processing solution. You will find many processors in the market and this is why it is important to shop carefully.

credit card

How credit card processing works

Depending on your business type, the processor will set up for you a merchant account. You will then need to decide on how to accept credit cards whether at your point of sale, on mobile phones, tablets or in Quickbooks. Whenever you swipe the card, this information is forwarded to the processor. You have the option of typing the card information or swiping the card into the payment processing system. Your request is then submitted by the processor to a card payment brand like MasterCard or Visa. The brand that processes the card will then send a request to a bank that issued the card to your customer. The transaction will either be accepted or rejected by the issuer and this response will be sent to the brand that is making the payment to the processor. This response will forwarded to you through a payment processing system whether a website, point of sale, mobile etc. The card with either be approved, declined or even referred for purchase. This entire process will take just a few seconds to be completed.

Incase the card happens to be approved; you are supposed to deliver goods to the customer. In the meanwhile the disguising bank sends the money to your bank account via the network of the credit card. This takes between 2 and 4 business days. It doesn’t matter whether you will be using Quickbooks, credit card machine or the mobile credit card reader. All transactions involving credit cards are supposed to follow these basic steps.

How to avoid problems

You can save money and time by avoiding some costly mistake. You can do this by:

  • Learning about all the charges, fees, rules and regulations that in the merchant account agreement

  • Checking identity as well as expiration date of the card you intend to process

  • Preventing any duplicate transactions

  • Avoiding to put a minimum or maximum limit on a transaction. According to regulations, you should accept credit cards no matter the size of the transactions.

  • Avoid offsetting the cost associated with accepting credit cards by putting a usage fee for any transaction processed through the credit card transactions.

  • Avoiding displaying your full account number on the receipt. There are laws that differ from one state to the other regulating the amount of information that should appear.

  • Learn about the existing products and services meant to screen fraud that you can put to good use.

  • Ensure that you are using the right account for business. If you are processing internet transactions using a retail merchant account, you may be faced with some stiff fines or you may end losing your merchant account.

  • Avoid running a personal credit card via the merchant account.

  • Avoid splitting transactions into smaller ones as you face the risk of chargeback.

  • Put a priority into the issues of the customer over anything else

card machine

Choosing the payment processing company


With the right payment processing company, you can get far much more by accepting credit and debit card payments. You can make the right choice of a payment processing by:

  • Learning about all the fees that are associated with accepting credit cards. You should also find out whether there are any termination fees to be charged for switching the credit card providers.

  • Choose a provider who will partner with you actively as you get started and support you incase you run into problems. The provider should be there to help your business to grow.

  • Ensure that you choose a payment solution that gives you room for growth using the online credit card processing, mobile credit card processing or even he point of sale.

  • Ensure that the payment processing can be integrated with your accounting software.

Over 10, 000 merchants and 10 years of payment processing

  • pci
  • Master Card
  • Visa Logo
  • Magento
  • UnionPay
  • express

About Us

Businesses that accept only cash may find it easier to do business. However, according to the SBA(small business administration, the company may be missing out on sales from the customers who would like to make payments using debit or credit cards and do not have the cash at hand.


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Merchant Service

4.91 stars - based on 50 reviews

3038 Butler Pike, Conshohocken, PA 19428, USA
Call now at: 800 264 8046
Hours: Mon-Su 8am - 7pm