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Independent sales organizations (ISOs) are companies that manage the sales and marketing of credit card processing products and services. Unlike Payment Facilitators, which provide one shared merchant account to all of their customers, ISOs underwrite each business they work with to provide them with an individual merchant account. ISOs are synonymous with Merchant Service Providers.READ MORE
Cardholders ultimately give businesses credit card authorization to request funds from their accounts. Authorization requests start when cardholders key in, swipe or insert their debit or credit cards through traditional credit card readers or Virtual Terminals. After waiting three to 22 seconds, depending on the business’s card reader speed, the transaction will either be approved or declined.READ MORE
When a business is considering taking credit card payments, there are several questions that should be answered before they select a partner, including the following:READ MORE
EMV credit card processing entails a series of steps to authenticate a payment by ‘dipping’ or ‘inserting’ an EMV-chip card. To correctly process an EMV credit card, a level-3 EMV certified card reader is required.READ MORE
When seeking an answer to this question, it’s vital to know that no two credit card processing statements are exactly the same. Statements vary among providers in regard to how sections are labeled, the order they appear in, the names — and shorthand — of different fees, etc.READ MORE
You run a small business and are ready to take the next step: accepting credit cards. Congratulations! Whether this is your first business or a new venture you’re investing in, you might not be too familiar with credit card processing.READ MORE