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Sunshine Communication Services

In the competitive business environment that exists today, it is vital you give your clients many options to pay you for your products and services. A credit card processing service is another great way to diversify payment options. One of the services that Sunshine Communication Services provides you is the Credit Card Processing

Credit Card Processing

Setting up a credit card processing account so you can accept cards from your customers is one of the most important primary decisions you will make when you start an exciting new business. A merchant needs to have a merchant account and a payment gateway account in order to set up credit cad processing in his store.

With a credit card processing service, you can accept all forms of payment, from anywhere. Credit card processing done on customer's merchant ID. Batch authorizations and settlements to automatically transfer money into your account. Automatically generated reports are emailed or faxed daily.

Merchant Account

A merchant account is a account with a bank that is a member of the Visa and MasterCard associations. Such a bank has been certified by Visa and MasterCard associations and can provide you, the merchant, with all of the services related to your merchant account. Once your merchant account is setup and "live" on the credit card system, you can start the real time processing of credit card.

Real Time Processing

A transaction processing system that functions as a payment service using a secure transaction server on the Internet. Merchants with a valid merchant account can use the system to submit, authorize, capture, and settle credit card or e-Check transactions without the need for a separate transaction terminal or processing software

How it Works

1.Purchaser places order and types his credit card number on a secure site of an online store. 2. Shopping cart details along with merchant account are sent to payment gateway secure server for processing.3. Payment gateway forwards transaction information to merchant’s acquiring bank.4. Merchant’s acquiring bank forwards transaction information to the credit card issuing bank for transaction verification.

5. Credit card issuing bank verifies transaction and sends response code back to merchant’s acquiring bank.6. Merchant’s bank sends credit card transaction details and response back to payment gateway. If payment is approved, the bank will deposit funds on a merchant’s account at the scheduled time.7. Payment gateway sends transaction details and response back to merchant’s online store.8. Payment information is displayed to the customer

At certain processing stages fees will be charged from the transaction total. The amount of fees depends on a payment gateway used, merchant account, credit card type, and other factors; it usually adds up to be two to three percent of total charges.

Most credit card processing firms will only refer to their qualified rate when they publicize or try to sell you over the telephone - so it is important you ask about qualified, mid-qualified, and non-qualified rates too when selecting a company for credit card processing services.

Benefits

•Boost Sales •Real-time •Cost Effective •Secure Servers •24 Hours Technical Support •Security •Shopping Carts •Payment Gateway •Virtual Terminal •Credit Card Processing Tools •Expand your Business

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