What is Free Credit Card Processing?

“Free Credit Card Processing” or “Zero-Processing Fees” or No Processing Fees” deals in the method where your customer will pay the fees instead of you as a Merchant for the services availed.

This service is called surcharging credit card where the merchant can pass the fees for processing the card to their customers. And, this plan is sold to merchants in the same of free or no-cost card processing.

So, the charges that seem like “free credit card processing” or “zero processing fees” are actually paid by the customers instead of merchants. In this article, we will discuss such arrangements that revolve around credit card processing.

Does Zero Credit Card Processing Actually Cost Nothing?

As we have discussed, in the case of zero credit card processing the customer has to pay most of the charges.

However, it is not like the merchant is not paying anything entirely. Because there are still other charges to be paid by the merchant such as :

• PCI Compliance
• Monthly Fees
• And many more.

Generally, these plans are designed in such a manner that the processing fees are reduced to “zero” or “no-cost”. However, all the other charges are increased by a bit.

And when a customer is introduced to these prices, it seems like that the processing fees are reduced to zero.

What Does It Cost To Your Customers?

The charges are generally set to 4% or less for the customer as the surcharge of no-cost credit card processing of merchant.

Also, customers are generally charged dynamically and the range is between 3.45% to 3.65%.

However, this is not any kind of hidden charge and your customer will see the surcharge in the receipt on their purchased goods and services. And in such situation, a customer can feel like being charged more than he/she should.

No customer wants to pay extra for any goods and services and if this is the case with you then you can lose customers.

Merchant Stronghold, provide you with an expert who will customize the perfect deal for you depending on the industry your business is in. Contact us at the toll-free number +1 (888) 622 – 6875 and get the required services that you are looking for as a merchant. We also offer assistance regarding high-risk payment gateway and merchant account services.

High Risk Payment Gateway Solution For Merchants

The Most Popular Platform or Payment Gateways Globally

Authorize.Net: It has a huge base of more than 370,000 merchants for streamlining fast and secure transactions. It doubles as a virtual POS solution and supports wide interface integrations on big and online small businesses. A wide range of PSPs worldwide also trusts it.

Stripe: Stripe is an online high-risk payment processor, which is designed especially for small online businesses. It has a vast selection of integrations, features and transparent pricing schemes. It is a convenient platform for accepting credit card via online channels. It can handle all the backend processes involved in online payments like security and automated features.

PayPal: PayPal is built on the technology that enables users to accept credit cards as well as process mobile and retail credit cards. It is great for global companies, accepts 25 currencies from 200 countries and territories. PayPal can be integrated with shopping carts, CRM solutions, eCommerce platforms, and accounting tools to propagate the operations

PayU: This gateway is very popular across Indian businesses. It focuses on the merchant needs with consumer shopping behavior. It offers innovative options that will help companies receive the money they’re owed as quickly as possible. It comes with tokenization feature and fraud management system too.

Skrill: Skrill is easy to use a payment processor that lets you control your online transactions. Designed for new featured businesses it processes the payments fast and securely as well as provides accountability for them.

We can help you to provide High-Risk Payment Gateway, High-Risk Merchant Account and other Merchant Account related services. Get in touch @ +1 (888) 622-6875. Also, you can Email - info@merchantstronghold.com

Get Secure Your Payment Processing with Merchant Stronghold

Nowadays, there are a lot of e-commerce and m-commerce transactions; opening doors for cybercriminals. As a merchant, you need to confirm that you provide the best payment security and that your customers don’t have to worry about their data. Customers usually cannot select their own payment gateway, so it’s up to you to make the best and perfect choice for them.

PCI COMPLIANCE

When you’re processing payments on your website, PCI (Payment Card Industry) is a must. The Payment Card Industry Data Security Standards (PCI DSS) provide direction for merchants that tell them what they need to do in order to secure sensitive data in payment processing.

A merchant doesn’t have to be PCI compliant if he/she selected the right payment provider (one with PCI level 1). He/she can leave it up to the payment gateway to comply with the industry level security excellence. Note that data encryption is needed by PCI.

SSL protocol

Each and every transaction should be secured with SSL protocol. SSL helps to encrypt the information so that the card details and all other sensitive and important data is secured. It, of course, improves payment security but also makes customers more eager to for the purchase.

A padlock icon in the URL bar symbolizes the SSL, and the web address starts with https.

ADDRESS VERIFICATION SERVICE (AVS)

You can also use an Address Verification Service, which requires customers to give the billing address connected with their credit card. If the address on the card matches with the one in bank’s documents, the transaction will go through.

Many companies have a problem of controlling the location and storage of their payment data, but almost 42% of the companies claim that payment data is at serious risk when it is stored. A Global Study on the State of Payment Data Security shows that over 50% of organizations had a breach involving payment data within the past three years.

We, at Merchant Stronghold, will help you secure your payment processing in order for you to provide the best payment security to your customers. We also provide high-risk merchant services, contact Merchant Stronghold to get answers to all your questions related to the security of payment processing. Feel free to contact us using our toll-free number +1 (888) 622 – 6875.

Also, you can contact via Email -  info@merchantstronghold.com 

How To Get Best Rates For A Good Credit Card Processing

You must make sure that you’re not being looted in the name of special merchant services. We’re here to help you navigate credit card processing and help you get the best rate possible for your business. So, stick around!

Factors that affect the rate:

Privileged services:

Privileged services would not affect the basic rate, but it would surely affect your markup in the name of, PCI compliance, merchant gateway, statement fees and so on. So, kindly take in consideration all types of costs before signing up for an account.

Size of the ticket:

Different variations in your ticket size affect your price. Bigger ticket sizes are considered as high-risk that eventually increase the rate for you.

PCI Compliance:

PCI-Compliance is like a vow to protect the customer’s identity. It is the set of rules, which a company has to follow to keep the personal information of its customers safe.

Other considerations:

Many of the processors will charge you a minimum fee if you don’t meet a specific volume of processing. Many of them won’t show it to you at all. Also, worth noting is that if you have purchased a CNP (Card not present) then you might get a better rate otherwise, you get charged extra.

There is no control over the rates as all the companies have their own entities deciding on the rate. There could be a standard rate decided by a group or a region, but no one can say that the rate could be matched or has a single pricing model for all kinds of companies.

Wherever you can ask, we suggest you ask for interchange-plus pricing. Even if merchant accounts never promote these plans, they often have them. It’s the most transparent payment model which doesn’t have enough margin.

All in all, we are here to provide you with proper information on how to get along in this fast-paced world which is changing in a blink.

Fatal Payment Mistakes That Are Killing Your Conversion Rates

Online Payment Mistakes

NOT ASSURING THE SAFETY OF THE CUSTOMER’S INFORMATION

While making the online purchase, a customer has to enter a great number of personal information to your website. Not to forget the debit/credit card or internet banking details to make an online payment. If you are not providing proper security then there is a high possibility that the customers will not make the purchase.

So, it is always advised to all the merchants to offer proper security and privacy information to the website for the security of the product as well as the customer.

FORCING THE CUSTOMER TO CREATE AN ACCOUNT BEFORE MAKING PAYMENT

Every merchant needs a customer database for business but forcing the customer to create an account every time he/she visits your website can be bad for business.

Furthermore, asking too much data while signing up can also force the customer to abandon the website.

But we also understand that account creation is important, and therefore to avoid such issues, you can try these tips:

Instead of asking to create an account, offer services like Sign In with Google or Facebook or any other social media account.

Furthermore, you can ask for address details and other personal information at the time of payment. Do not ask unimportant details.

Also, ask the customer to save his personal information to avoid entering them again and again. Make sure you assure the safety of this information.

Other than that, you can also provide FAQ’s and customer service option to answer the query of the customer.

NO CUSTOMER SUPPORT SERVICE

Offering customer support has become as important as providing a privacy policy.

Providing customer support gives customers a trust factor that makes them feel appreciated hence making them a loyal customer. Along with that, the customer also believes you are a genuine service provider.

Now if you are a small firm and unable to offer 24/7 support then you can try adding FAQ section. Other than that, you can also offer email support or chat support service to the customer.

REDIRECTING TO A DIFFERENT WEBSITE TO MAKE THE PAYMENT

CHECKOUT PROCESS IS CONFUSING AND DISTRACTING

LACK OF PAYMENT OPTIONS

If you are still confused and do not know how to resolve the Online Payment Mistakes that kill Conversion, just get in touch with Merchant Stronghold by placing a call at the toll-free number i.e. +1 (888) 622 – 6875. You can also reach us by visiting www.merchantstronghold.com or try our email support service.

Domestic US based Credit Card Processing for Cannabis Oil Companies

How To Get A CBD Merchant Account

You don’t have to deal with the frustration that most CBD merchants experience during the process of endlessly searching for a payment processor. No more turning away customers who want to purchase CBD products with debit and credit cards. Because, the simple fact of the matter is, CBD and hemp based businesses deserve as fair of a chance to have access to the same merchant services as other industries.

We recognize the need for people in the industry to have CBD payment processing solutions that work for both them and their customers. With a merchant account, previously only available to traditional, low-risk businesses, your CBD business can get the credit card processing options you really need.

Obtaining a legitimate, fully featured CBD merchant account has the potential to greatly boost your business, and help you see the full potential that CBD payment processing can offer you. Many processors will turn you down and chances are, you may have tried with other merchant service providers before finding us.

We have helped countless businesses like yours with getting merchant accounts and providing their customers with a solution to pay via debit or credit cards for cannabis products. Yes, the industry has a higher processing risk, but that doesn’t mean you shouldn’t have access to merchant services that have been available to other merchants for years and make sales to customers who wish to pay with something other than cash.

Merchant Stronghold will work with you on opening a CBD high-risk merchant account and keeping your account alive.

Payment Processor System For Your Online Business

A completely practical business website that aims to sell products or services should have a variety of payment options. This would support potential buyers to really spend on your products or services when they see that you can process credit cards or accept credit card payments through payment methods that are helpful for them. Rather than simply showing your items on the web and sitting tight for individuals to come to visit your store. Allow shopping from the solace of their own homes while giving them a protected online exchange involvement?

It can be possible when you get in touch with a reputable provider of a payment processing system. Wherever money is involved, you should expect that customers can be more specific and be able to present a reliable online image can make or break your very own reputation. By taking the time to ensure you have completely practical, secure, and smooth payment processing system, you can show your customers that their financial security is also your concern while you both gain from your online trade.

Conclusion

Why risk business when you can extend and provide to the more flexible payment options that your potential buyers require?

You can get more when you have a good payment processing system to back you up. By we are offering your prospective buyer flexible payment alternative option. You are attracting more people to your business and eventually contributing to your business’s online success!

If you’re looking for any kind of payment processing solutions, you’re in the right place! Visit our services page to find out how we can help you today! You can Call Us at +1888-622-6875 or Send us Email: info@merchantstronghold.com

Important Online Credit Card Processing For eCommerce Businesses

Let’s see some benefits of online credit card processing.

SECURITY

It is important for every online merchant to consider security and stability as the key factor of their business. For the long run of business and retention of customers, a reliable online credit card processing service is a must. The technology that is used for security includes PCI compliance standards. This makes it very difficult for criminals to crack the code and obtain customers data. Therefore, the customers gain confidence to use their credit cards to make a payment without hesitation.

FLEXIBILITY

When an online business touches international boundaries, it becomes essential to have a payment processor that can accept major currencies. We, at Merchant Stronghold, create such an E-commerce solution to deal with a variety of currencies. No longer bound by geographical boundaries, limited currency acceptance; the sky is the limit for your E-commerce business.

ACCESSIBILITY

To smoothen the process and gain accessibility from any part of the world, online credit card processing service can be configured to facilitate merchant to access the merchant account at any time. No longer bound to geographical location and address of the store, it is easier for the merchant to control and review business transaction from any part of the world with online access.

For more than a decade, Merchant Stronghold has proven its worth by providing excellent customer services, resolving queries of clients. And, providing them with the best solution for credit card processing. Go through the list of various options available, pricing, after sale service and compatibility before finalizing a payment gateway for your business. So, connect with our professionals now.

Authorize.Net Credit Card Processing Services For Merchants

The Features Provided by Authorize.Net

Here are the features of Authorize.Net that are discussed in brief. For more details or any query get Merchant Stronghold executive to assist you.

Advanced Fraud Detection

Authorize.Net also offers IP address, regions or transaction from a specific location.

There are various filters and transaction filters that can be added to avoid frauds.

Secure Customer Data

By using Authorize.Net services, the customer can save their payment information and use them every time they make payments.

And, the data entered or stored by the customer remains safe from any exploitation.

Payment Types

If you are looking for expanded payment methods then you can choose authorize.net.

They offer EMV chip cards, digital payments, major credit cards, signature debit cards, e-checks and more.

Recurring Payments

Recurring Payments can give the sleepless night to a merchant as they have a high chargeback rate.

It also gives independence to the customer to make payments anytime without the hassle of entering the details again and again.

Account Updater

It updates monthly credit card transaction details.

This helps the merchant to avoid the interruption due to lost transaction details.

Invoicing

The customer gets the direct email of the recent purchase on their registered email address.

Also, it sends the email regarding any overdue payment to the customer as an alert.

The merchant should get Authorize.Net Credit Card Processing after looking at their plan very carefully. You can contact Authorize.Net to gather the information you seek.

Get Authorize.Net Credit Card Processing

Firstly, you need to register yourself as a merchant to Authorize.Net. After that, create a merchant account there as well. Here are the detailed steps that can help you get through the process:

Start by checking the pricing and plan offered by Authorize.Net by visiting the website.

After that, you need to check the requirements to get the services.

Click on the Apply Now button to get the service you need.

Enter the details related to your company including the geographical location information.

Once your verification is complete, you will be given the services you want.

Authorize.Net will send you an email regarding your application and its status.

You will also be provided a merchant account to manage and handle data associated with your business and get Authorize.Net Credit Card Processing.

Online Credit Card Transactions Cross-Checking Authenticity

The issue of fraudulent online transactions, which has been increasing exponentially with e-Commerce growth, is a problem for merchants. Thus, online merchants need to be vigilant about detecting the use of stolen credit card details and misuse of the chargeback system. Monetary losses due to chargebacks alone can have serious consequences for merchants.

CAREFULLY OBSERVE BUYER BEHAVIOR

It’s not as easy to observe buyer behavior online as it is when purchases take place in-person; however, it can clear effectively. The first step is automatically taken when cardholder information is verified by a payment processor at the time an order is placed. Merchants need to take this a step further by scrutinizing orders for signs of suspicious activity during the fulfillment process.

Signs of suspicious activity include anything out of the ordinary. Such as unusual order sizes, the frequency of orders from the same buyer, different billing and shipping addresses, subsequent attempts to resubmit an order using different cardholder details after the decline, and multiple orders to the same delivery address using different credit cards. Sometimes a call given to the buyer is all that’s just to clear up any questions and confirm an order.

Cross-checking means it will take a little more time to process some orders. But, considering the consequences of a possible fraudulent transaction, it can be worthwhile.

Few Effective Tips to Reduce Shopping Cart Abandonment

Reduce Shopping Cart Abandonment – Shopping cart abandonment is a real issue for e-commerce merchants. According to recent statistics, as much as 70% of the customer leave the cart before making a purchase in an online store. It can be due to multiple reasons or just one that makes the customer lose interest in your product and leave without buying.

But you should not worry, there are some effective methods that would help reducing cart abandonment percentage. Even a small percentage can make a huge difference. This article will provide you with such details. Also, feel free to get in touch with an expert at Merchant Stronghold if your situation is a bit serious and you need an instant difference in your ROI.

1. REDUCE CHECKOUT STEPS AND CLICKS

Make sure your check out procedure is smooth that doesn’t include suspicious extra steps. There is a high chance that customer may change his mind if the checkout takes a lot of steps.

Tips to Reduce Checkout Steps to Further Reduce Shopping Cart Abandonment:

Also, given the option to add postal address details along with other required personal information.

Ask the customer to Sign Up or Sign In before going for the shopping.

Give an assurance of safety of the user’s information.

Offer guest purchase without signing up, as you cannot force a customer to create an account with you.

Doing all these will reduce the checkout time for the customer as the customer is not required to enter personal details at the time of the purchase.

2. ENSURE THE SECURITY OF PERSONAL DATA AND PAYMENT INFORMATION

Security is very important when it comes to online shopping. When you are asking your customer to enter their personal data, they are going to be a little hesitant. It is the responsibility of the merchant to build the trust and safe environment for the customer to make the payment.

For that, you can add trust logos to your shopping platforms along with the security. Also, make sure the trust logos are clearly visible to the customers.

For more such tips, feel free to contact the experts at Merchant Stronghold. You can try the toll-free number i.e. +1 (888) 622 – 6875 or the 24/7 email support. We also provide assistance for a high-risk merchant account, offshore merchant account, and merchant gateways.

Get Instant Approval High Risk Merchant Account In United States

These conditions have been fulfilled:

• The business needs to have a registered “Doing Business As” name (DBA) that proves that the business is incorporated in the United States.
• A bank account in the U.S. Bank should be registered in the name of applicant’s name.
• A physical address of the business that an applicant must provide.
• These are must require details an applicant needs to provide while applying for the merchant account in the United States.

But, a business that is registered in any other country have one option is to set up a corporation with the U.S. based company by signing a contract with them, stating that the company incorporation will act as the company of U.S. that handles the entire sales, shipping and collecting the payment process of the business done in the United States. This type of incorporation will work. But one that comes with incorporation is adding a business partner in the working, which much business may not like to deal with.

You need an agent

If the company decides to have a separate and permanent account in the name of the business. Or owner without any incorporation. For a dedicated account, there is a need for an agent who has registered as a member of the business. That will help businesses to prove that they have a bank account registered in the United States, which will help business to acquire the payment of their transactions that will be done in the United States.

For this, if the company has an agent in the United States the company can have an account easily. But, if the company doesn’t have any reach in the country. There are companies like Merchant Stronghold. In the United States, we can help businesses to set a merchant account.

While starting the business process in the United States or any other foreign country. Business should have a good amount of customer base. This will be worth enough for the business to cop up with the costing of doing business internationally.

What are the difference between Payment Gateway and Payment Processor

Payment Gateway vs Payment Processor

Payment Gateway – A Gateway that simply allows the merchant to access the e-commerce market by allowing the transaction. This is an online point-of-sale for the business. You just need to have a merchant license and merchant account. Then you can get a payment gateway for your business.

Payment Processor – As the name suggests, they process the transactions by exchanging data between merchant and bank. Also, a payment processor will also provide credit card machines and other equipment you use to accept credit card payments.

There are some processors who provide the payment gateway services as well. Also, you choose from the various payment processors and payment gateway service provider, depending on your demand.

How to Choose Credit Card Processing with Payment Gateway?

Comparing and then choosing the credit card processor for your business can be beneficial for your business. Here is a guide that you can use to choose the best credit card processing with a payment gateway.

A Processor that Offers Business Specific Services

• What is the size of your business and your monthly transaction value? This can help you choose your chargeback limit according to the need.
• Does your business require mobile processing? Or online transactions? If yes, then look for your Payment Processor to fulfill your demands first.
• Read the contract very well and then sign the papers after a complete evaluation.

A Service Provider with 24/7 Support

• Credit Card Processing with Payment Gateway is your necessity.
• But make sure you get sufficient support as well.
• And do check the services provided by the payment processors in the case of disputes and chargebacks.
• This means the Payment service provider should also offer a good support in case of an issue.

Ask for Additional Fees and Other Service Charges

• Do not forget to ask the details related to the Service Fees.
• This includes the additional fees, PCI Compliance, and other charges.
• Also, compare these charges of various Credit Card Processing with Payment Gateway to choose the under budget service.

If you need help while choosing a payment processor then you can contact Merchant Stronghold. We will provide you with an expert to guide you in the right direction and get your up and running in 24 hours.

Merchant Stronghold also provides the assistance with high-risk business and merchant accounts. Call us at the toll-free number+1 (888) 622 – 6875 or access the 24/7-email support now.

Credit Card Payment Processing for Apparels Stores

Payment Processor for Apparels Store

Three things that your payment processor should fulfill are:

1. Connect from anywhere

2. Connect to any payment

3. Connect via the device of your choice

It is important for the merchant to choose a payment processor that provides a comfortable payment experience to his/her customer so that you can win customers trust as well as his loyalty. It is important to understand what your requirements are while choosing a payment processor. Few “must haves” are:

FLEXIBLE PAYMENT PROCESSOR

Payment processor should work in favor of your business and customer, both. It should be well integrated, should reflect working of the business (how business operates), the type of payment accepted and back-end system. A highly integrated system works as a lifeline for the merchant and the business.

SCALABLE

Payment processor should be able to cop up with the growth of the business, else merchant will end up in wasting a lot of time, resources and money in the up gradation of payment processor.

SUPPORTIVE

There are times when things do not work as planned. Choose a payment processor provider that is by your side when needed. The provider should be available either by phone or through email or live chat whenever needed.

Painless Payment Processing Service

When we talk about payments, the first thing that a merchant would expect is a secure and uncomplicated payment processor. But it is common to come across certain complications like wrong entry, human error, duplicate authorization etc. While dealing with these issues, it is also important to take care of data security and compliance. So choosing a payment processor that simplifies these complexities rather than increasing the mess is a highly important decision that every merchant has to take.

FINAL WORDS

We at Merchant Stronghold are a leading provider of payment processing services. We have a long list of happy customers who are engaged in the apparel industry and hence, we can do the same for you! Our team understands the unique needs of various industries including clothing and they are the best professionals to meet your business needs.

Describe Online Secure Payment Gateway

Рауmеnt Gаtеwау vѕ. Merchant Aссоunt

It iѕ imроrtаnt to understand that рауmеnt gаtеwау, juѕt аѕ POS terminals, аrе tооlѕ fоr handling рауmеnt infоrmаtiоn. Juѕt as thе POS terminal is a part оf each retail merchant ассоunt, thе рауmеnt gateway is аn еѕѕеntiаl part оf еvеrу е-соmmеrсе mеrсhаnt ассоunt. Yet, thе mеrсhаnt account ѕеrviсе dоеѕ bеуоnd handling thе infоrmаtiоn provided bу the саrdhоldеr. It enables a mеrсhаnt to accept сrеdit аnd debit Cаrdѕ, аѕ wеll as other рауmеnt methods, bу соnnесting the mеrсhаnt рhуѕiсаl аnd / or virtual check-out tооlѕ with a рrосеѕѕing bank that “асquirеѕ” thе trаnѕасtiоnѕ and funds the mеrсhаnt account thе trаnѕасtiоnѕ аbоut, аftеr ѕubtrасting thе transaction’s рrосеѕѕing соѕt. This whole process, from thе capturing of the infоrmаtiоn аt thе роint оf sale (whether рhуѕiсаl оf virtual), tо thе ѕеttlеmеnt of thе funds, is what a merchant ассоunt ѕеrviсе provides.

Hеrе is a dеtаilеd dеѕсriрtiоn оf the Рауmеnt Processing Lifесусlе

• Consumer uѕеѕ a сrеdit саrd fоr рауmеnt. Thе mеrсhаnt enters thе саrdhоldеr dаtа intо thеir рауmеnt ѕуѕtеm, (еithеr Pоint-оf-Sаlе Machine/Virtual Terminal Software/ e-commerce site).
• Thе асԛuirеr / рrосеѕѕоr rесеivеѕ саrd data frоm merchant. Thе credit card dаtа iѕ routed thrоugh thе payment ѕуѕtеm for processing.
• Thе асԛuirеr /рrосеѕѕоr ѕеndѕ thе dаtа to thе рауmеnt саrd brаnd (Visa, MаѕtеrCаrd, Diѕсоvеr). Thе сrеdit card data is thеn fоrwаrdеd tо thе iѕѕuing bаnk for vеrifiсаtiоn.
• Credit саrd is verified by iѕѕuing bank/processor. Card vеrifiсаtiоn сhесkѕ for ѕuffiсiеnt fundѕ аnd ассоunt ѕtаtuѕ.
• Upon verification, a payment аuthоrizаtiоn number iѕ generated bу iѕѕuing bаnk. Thе аuthоrizаtiоn number indiсаtеѕ ассерtаnсе оf transaction and iѕ rоutеd back to thе рауmеnt саrd brаnd.
• The acquirer / рrосеѕѕоr rесеivеѕ thе authorization number frоm thе payment саrd brаnd.
• Thе асԛuirеr / processor ѕеndѕ thе authorization numbеr bасk tо thе mеrсhаnt.

Mеrсhаnt соmрlеtеѕ thе sale. Cuѕtоmеr rесеivеѕ the gооdѕ оr ѕеrviсеѕ.

Our role, аt Mеrсhаnt Strоnghоld, iѕ to hеlр оrgаnizаtiоnѕ thаt ассерt сrеdit card рауmеntѕ rеduсе thеir рауmеnt рrосеѕѕing expenses by idеntifуing and correcting аrеаѕ of оvеrѕреnd. Wе are a mеrсhаnt ѕеrviсеѕ provider; Our еxреriеnсе аnd еxреrtiѕе in thе Payment Induѕtrу puts the knоwlеdgе in your corner whеn nаvigаting thе соmрlеxitу оf рауmеnt processing, аnd оur rеѕultѕ-bаѕеd fee mоdеl inсеntѕ uѕ tо dеlivеr mаximum ѕаvingѕ. Contact us if you need аnу hеlр frоm uѕ- +1(888) 622-6875

Merchant Credit Card Processing Solution for Beauty Products Business

An advance credit card processing solution that comes with a high level of security is what every Beauty Products business need. Efficiency is important when you are running a business, especially when the business is on small scale and you have to struggle a lot to get to the top. The goal of merchant stronghold is to provide you a flexible payment solution with equipment. Electronic payment solution can fulfill most of your needs; you can customize the best rate structure that fits your business.

Some of the advanced services that you can expect:

• Mobile processing for the small-scale business
• Terminals for beauty products and retail service business
• Support for payment gateways connected with shopping carts
• Solutions for MOTO card transactions
• Plus credit card payment plans
• Virtual terminal for processing

Modern Payment Processing

Modern payment processing is integrated merchant account and software. This system is called software as a service (SAAS). It offers a single electronic portal that helps merchants to scan checks and process various credit card payments. This is done without merchant storing the data on the site. A latest cloud-based infrastructure is integrated, means the location of customer doesn’t matter. It also reduces the cost and makes the whole process time efficient.

Transaction Processing Quality

Payment systems are highly susceptible to abuse and fraud. If the credit card is misused, there will be financial losses to your Beauty Products business. There will be even more mess if the merchant will solve the problem on its own. Some beauty parlors may have a monthly subscription, SAAS can make money collection easier for merchants. The system also secures payment information that is passed to the merchant. Some businesses come in the scale of high-risk businesses such as male enhancement products business, Nutraceuticals business, Cruise line business, Trial Continuity Subscription Business etc. All of these can be processed with the help of a quality online platform through Merchant Stronghold.

Payment Processing Architecture

The network architecture is an online payment system that is like a chain of service providers having unique value payment transactions. There are four most important entities in an architecture which are merchant, the point of sale (POS), aggregator, and credit card bank. Payment gateway provider is a company that gives support to merchants and receives payments on their behalf. Point of sale provider presents aggregator to the merchant. There are small POS transactions than an aggregator, so the direct connection with credit card network is not necessary. The responsibilities are divided equally among many different business partners in order to provide the better architecture to the merchants. Merchant Stronghold understands these concepts because we have been working in this business for a long time.

Online Payment Gateway for Transportation Services

Merchant Stronghold provides flexible payment gateways for all transportation services. We offer multiple payment options and new features for your customers. Our transportation payment gateways bring innovation to your business type. You get fast support and services. Some of our features include:

• Secure multiple payment options
• High protection for cardholders and merchants
• Future support for mobile payments and EMV

Our payment gateways for your Transportation services can improve business-efficiency and enhance customer experience. You can achieve your goal of a successful business with the help of Merchant Stronghold.

Your first priority is to offer speedy payment system to customers. A flexible and fast payment system makes it easy for merchants to sell. You may be thinking that there are many other merchant services providers so why choose us? First, you have to understand a few basic things about payment systems.

What is the main building block for online payment application? The very first thing is to keep PCI compliance in consideration and create a system that doesn’t cause problems for you or your customers. A number of things can be done to achieve this goal including:

• High security as per international standards
• Secure Storing information for repeat or recurring charges
• Complete control of design and user experience
• Monthly or weekly sale analysis
• Multiple payment options integration–and Scalability

There are other things such as currency support, fees, local payment options, disbursement, and others. These things may vary from person to person, but above 5 things are building blocks of a system.

When a merchant orders our services, we prepare the initial report about payment gateways. If we find out that you need a single payment option then we create that for you, and if you need a customized gateway then we spend our time and effort to create it.

POS Terminal Can Accept Chip-Based (EMV) Credit Card

The EMV technology shift as it will keep the transactions safe from counterfeit frauds. If the business does not keep their systems compliant to latest technology it will be liable for the counterfeit frauds and there is no remedy to avoid it.

Here are a few points that will help you to understand the whole procedure for getting an EMV-friendly Point-Of-Sale:

1. Check your requirements:

You should make a list of all software and hardware that are directly or indirectly connected to your existing point of sale terminal. This will help you to know that if you need to upgrade just your existing terminal or you will need to upgrade all the things that are currently in use for your business.

2. Know the options that are available:

For this you need to discuss the options with Merchant Acquirer that will help you to connect with the payment processor they work with, these payment processors will guide you to the best solution that will fit in your business. If your business uses highly connected software then your Independent Software Vendor (ISV) with payment processor will play a pivotal role in choosing the best terminal.

3. Purchase the terminal:

Now, this is an important decision as this needs expert’s advice of purchasing the terminal. There are two terminals exist chip-and-signature and the other one is chip-and-PIN. While the Chip-and-Signature looks easier and good through which authentication is obtained from a signature. But, at the same time, Chip-and-PIN terminal will accept the payment authorization by PIN code.

From above options, the Chip-and-PIN is considered as the best credit card terminal option as it will help you to get authorization from the cardholder by card’s PIN code and also enables you to accept card payments from international cards.

4.Getting the certification for the terminal:

The answer to the question whether a merchant needs to get the certification for using new card acceptance terminal or not? Well, the answer is yes, a Level 3 certification by EMVco and Card brands are required to use the payment card terminal. For all types of businesses, this certification is required. The certification can be achieved with the help of the payment processor as they will able to guide you about the exact requirement that is needed to be fulfilled before applying for the certification.

5. Employees should be able to use the new terminal effectively:

After getting the latest technology-enabled terminal and certification, you need to train your employees about how to use the latest terminal, the procedure is not really tough, yet it’s new so you need to give them a small training session about the use and importance of the terminal. Here are the steps to use the terminal:

The amount must be entered in the terminal before inserting the card into the machine. 

While inserting the card into the machine the chip-side should up, i.e. the chip should be dipped into the machine.

After inserting the card, it should not be taken out of the machine until the payment authorization is obtained.

6. Share options with your customers:

Sharing information about the importance of EMV is the best thing you can do as it will help you to connect with your customers and also will help you to gain reliability.

Accept Credit Card Payments for Wine & Alcohol Stores

At Merchant Stronghold, our group of Installment, Preparing and Processing Specialists can coordinate your lager, wine, and alcohol store with one of our numerous cooperating banks who spend significant time in High-Risk Merchant Accounts.

MCC 5961/5330 - [MOTO/INTERNET]

PROCESSING OPTIONS FOR BEER, WINE AND LIQUOR MERCHANTS

• (POS) Terminals or Phone Swipes
• Virtual Terminal or Online Payment Gateway
• Mobile Card Processing on Smart Phone or Tablet

Website Requirements: Website should include clear Terms and conditions which clearly say that the customer is over the age of 18 years and per the law.

Documents required

• Article of incorporation
• Bank Letter or Void Check
• D/L (Driving License)
• 2 years of audited Financials or tax returns of Business
• 6 months Processing Statements

Merchant Account for Liquor Stores

Description: Because of the way of the business, numerous acquiring banks consider Beer wine and alcohol stores to be high-risk Merchant. A basic tablet-based point-of-sale system is usually the cheapest and easiest option for most single-register locations, but more complex solutions are required for high-risk and online liquor sales. Alcohol sellers that are considered high risk may require a merchant account through a credit card processor that specializes in placing high-risk businesses. Online liquor sellers will need to look for a provider that offers high risk and offshore merchant accounts as well as robust e-commerce solutions. In short, if you’re a liquor store owner, you may have a few unexpected hurdles to clear before you can accept credit cards from your customers.

If you are searching Payment Gateway & Merchant Account Services Provider. Merchant Stronghold provides reliable High-Low-Risk Merchant Account, Online Payment Gateway, Credit Card Processing, POS System Services Provider. To know more information - Payment Gateway Services Provider.

Online Payment Gateway for E-commerce Businesses

The response for "how to get the entrance of online payment gateway and accept Visa, MasterCard, American Express and Discover" in basic words is, the business needs to set up a Merchant Account. Be that as it may, this doesn't just only solution as Merchant Account, is only the service that is given by the banks that will help to accept the electronic mode of payment. Businesses can choose between the elaborate array of collections banks from across the world have ACH, Check Processing, Credit Card Acceptance, Point of Sale System, etc.

The choice of services sometimes creates a lot of confusion for business owners to choose the perfect services according to their business type and what are the exact requirements for the application of the Merchant Account. For the ease of business owners Merchant Stronghold, with their industrial experiences can help them to choose from the perfect option according to their business. For the application of Merchant Account, the business owners need few of the basic documents:

• Articles of Incorporation of the business, Tax documents etc., Fictitious filings etc.
• A letter that is specified with the details and nature of the business, Fulfillment Agreements, DBAs etc.
• Address and ID proof of the owner(s). If the physical address of the business exists the proof of that also needs to be attached with the application. Utility Bill and Passport recommended.
• Personal and/or Business Bank Statements, Tax returns are important. This provides financial strength and stability to the business.

Merchant Stronghold can help businesses to establish the Merchant Account and provide a gateway terminal to accept payments across the world. One thing that comes while collecting the payment of through electronic methods is the customers have the right to dispute the transaction if they are not satisfied with the merchant’s service they directly contact to the bank for the amount that the customer paid for the product or service that leads to Chargeback. Merchant Stronghold will help businesses to fight such situations with all the legal documentation about which businesses many times are unaware.

Merchant Stronghold works with all kind of business, retail to high risk. Nutraceutical Trial, Continuity Subscription, Credit Repair, Debt Relief, Adult Porn Subscription and Tech Support. Start your eCommerce business with Stronghold today!