Credit Card Processing

Internet Credit Card Processing

Credit card processing via the Internet is quickly gaining traction with merchants for its ease of use, speed, security and cost efficiency. At Merchant Express, our TransAction Central Web-based payment gateway combines the functionality of an electronic countertop terminal with the power to process transactions online. Merchants are able to accept credit and debit cards with a single integrated system that is flexible enough to add features as their needs change.

How Internet Credit Card Processing Works

Online credit card processing can handle card present (face to face retail) or card not present (CNP) transactions. The latter includes purchases made on a website, by phone or mail order.
The process — which is typically completed in just seconds — begins when credit card data is entered into the system either by swiping the card through a terminal or by entering it manually on a keypad or website payment page. The information is transmitted securely through an Internet connection from the merchant to the processor, who passes it along to the card issuer/bank. The issuer authorizes or declines the transaction and notifies the processor. The processor sends the authorization to the merchant, who completes the sale and issues a receipt. Within days, the processor deposits the proceeds from the sale into the seller’s merchant account.

Internet Credit Card Processing from Merchant Express

As a merchant services provider, Merchant Express has set up thousands of businesses across all industries with everything they need for Internet credit card processing, including merchant accounts, PCI-compliant hardware and software and TransAction Central access.

In addition to online credit card processing, TransAction Central offers additional important features like:

Multi-User Tiered Access to network multiple locations and users to TransAction Central, creating varying levels of access to the centralized payment processing system.

Internet gateway to connect your customers to your virtual shopping cart, obtain security authorizations and settle transactions automatically.

Virtual terminal offering secure, real-time credit card transactions and the ability to process payments, returns and voids.

Existing Software Interface that’s all you need — no additional software or hardware! It can transform an existing device with an IP connection into a payment processing engine.

POS Terminals that instantly network with TransAction Central and can convert any wireless handheld device into a POS terminal with fully-integrated card swiping technology.

Real-Time Online Reporting to improve your efficiency by monitoring credit card sales through comprehensive 24/7 online reporting.

Batch Processing that streamlines your end-of-day processing of sales, credits and voids by combining them in one batch without expensive terminal equipment or telephone line dial outs.

ACH transactions (Automated Clearing House), or electronic funds transfer, through TransAction Central converts paper checks into electronic checks at the point of sale.

The Next Step

Getting started with Internet credit card processing and TransAction Central couldn’t be easier. Just fill out the information box on this page, or call us direct at 888-845-9457, to talk to one of our expert consultants. Put the expertise and technology of Merchant Express to work to grow your business and your bottom line with online credit card processing!