Credit Card Processing

Retail Merchant
Internet Merchant
Mail/Phone Order
Government Processing

"Internet e-commerce websites that do not offer shoppers a credit card payment option lose more than 80% of all impulse sales. Accepting credit cards gives your prospective customer the confidence to order without hesitation.”

Edward W. McFarland
“Gift Baskets Galore”
www.giftbasketsgalore.com

If you run an Internet business and do not accept credit cards on your website, you are limiting your market considerably and could be losing thousands of dollars of online business. Trust AMERICAN BANCARD to provide you with the most current online credit card processing technology at the lowest cost available.

If you run an Internet business and are currently accepting credit cards on your website through PayPal, you are also limiting your market considerably and could be losing thousands of dollars of online business. When you align with PayPal, the only people who can use their credit cards to pay for your products are PayPal members. Those who belong to PayPal are a tiny percentage of the total number of credit card owners. So why would you want to pay more money to limit your online sales to a small percentage of potential buyers? In a matter of minutes you can make your online product available to all credit card owners and pay a lower processing fee to boot, saving you money now and in the future.
If you run an Internet business and are accepting credit cards through another merchant services provider, we will beat or meet your current processing rates plus provide you with gateway and shopping cart capabilities at great savings to you. It will take a short minute to find out how much money you can save by calling 800-793-3250 and speaking with our sales representative.

If you're an Internet seller, remember that a secure online credit card acceptance system protects you and your customers. It's secure. It's safe. It's easy. And it will increase your profitability!

Credit Card Processing at the Internet

STEP 1:

The online customer finds the merchant's website and adds products to their shopping cart. When they are ready to check out they either enter their billing information.

STEP 2:

If the merchant does not have a secure page, the customer can be transferred to the merchant's secure payment gateway where they can enter the billing information into a secure form. If the merchant does have a secure site, then the information will be "passed" to the payment gateway without the customer ever leaving the merchant's site.

STEP 3:

Once the billing information has made it to the payment gateway it is then transmitted to the processor.

STEP 4:

The processor will then pass that information onto the bank that issued the credit card. The issuing bank will check to see if the card is valid and see if the amount requested is available on the card and set aside the amount of the purchase for the merchant.

STEP 5:

The issuing bank will send back an approval number or a decline message back to the processor.

STEP 6:

That information will then be passed back to the payment gateway. It will take approximately 3-15 seconds to complete steps 2-5.

STEP 7:

The payment gateway will then pass the approval code back to the merchant's site. At this point the merchant can also choose to have the payment gateway email the customer a payment receipt.

STEP 8:

At the end of the day the payment gateway will "settle" all of the day's transactions. Once the settlement process is initiated the funds will be transferred from the card issuing bank and will electronically deposit them into the merchant's checking account. It typically takes 2 business days from the time of the original transaction for the funds to reach the merchant's checking account.