Credit Card Merchant Services

1. Traditional Retail Merchant Services

Usually using what is known in the Industry as a Point of Sale Terminal. Credit Cards are usually present for the transactions. Point of Sale Terminals are also know as Credit Card Terminals, or Debit Terminals, or Interac Machines. This type of Credit Card Processing Service is perfect for any brick-and-mortar type business.

2. Phone (MO/TO) Merchant Services

Stands for Mail-order & Telephone-order, usually using a IVR solution (Interactive voice response) or sometimes known as ARU (Automated Response Unit). This type of Merchant Account is perfect for merchants who only do a few transactions a month and are mobile.

3. PC Based Software Merchant Services

This service falls under the MO/TO umbrella, but uses a software program that is uploaded to your PC computer and needs an internet connection to process. These Merchant Accounts are usually perfect for businesses that require recurring billing. Storage businesses and gyms usually use this type of processing service.

4. E-commerce Credit Merchant Services

This service falls under the MO/TO umbrella too, but these accounts are usually consider higher risk accounts as a opposed to traditional retail Point-of-Sale Payment Processing. These merchant accounts are attached to your gateway and shopping cart service to be able to accept credit cards payments through your online store. This service can be used on any website as long as the gateway and shopping cart services are approved by your merchant account provider.