Safe and Secure Merchant Account for Timeshares

Nowadays popularity of timeshares is increasing. People love to travel and if there is a good investment then they don’t want to miss it. Whether you want to rent or sell your timeshare on a website, your first priority should be to offer online payment service. You should offer a timely, affordable, and hassle free process so that you can sell your property on huge profit. Here is how Merchant Stronghold can offer you online payment services for these and more:

• Resale, rentals, and classified services
• Attorney based timeshare services
• Reseller clubs and tour operators
• Timeshare Marketing and advertising companies
• Ideal for people looking for multiple payment methods
• Both offshore and domestic merchant services
• High volume transactions and approvals

Merchant account for Timeshares Business
Timeshares business offers various types of packages, vacation rentals, and airfares. It is considered as high risking business because credit card processing is high trafficked. The transactions also occur via phone and internet, and customers complain about services a lot. It takes a lot of time from booking to receiving, and because of it disputes are common. Few years back, timeshares merchants weren’t offered credit card processing because of frequent cancellations and refunds. Now merchant account providers are able to take the risk, but travel and related business must keep terms and conditions clear.

Credit card fees and charges

There are various fees associated with transactions, mostly depend on customer’s card and type of transaction. Cards such as American express, debit, credit card, and type of business are the key factors. Banks don’t want chargebacks because these cost money so they monitor timeshares business closely. Merchants must check best processing rates and look for an online merchant account that offers high processing limit. Those timeshares businesses with chargeback rate of more than 1% are denied accounts. You should look for merchant account that offers tools to reduce risk of chargebacks.

Trustworthy Merchant account provider

Timeshares business should seek a merchant account that is trustworthy and offer best rates. There are many strategies that can help you lower chargebacks. Effective sales and marketing methods, direct processing, and keeping records can reduce the risk.

Merchant stronghold is familiar with many credit card processors and scenarios. We offer low rates to our timeshares business owners so that they can process credit cards without having to follow bank to bank approval. We can help you by finding credit card processors best suited for your terms, conditions, and rates. Before providing you services, we inform you of advantages and disadvantages so that you are aware of possible risks and benefits. We work with businesses and individuals so that they can get best solution. Merchant stronghold provides education so that you are satisfied with the outcome.

Wоuld you lоvе to be раrt оf thiѕ?? Feel frее tо get in touch ,wе’ll bе glаd to hеаr frоm уоu

Safe and Secure Merchant Account for Timeshares

Nowadays popularity of timeshares is increasing. People love to travel and if there is a good investment then they don’t want to miss it. Whether you want to rent or sell your timeshare on a website, your first priority should be to offer online payment service. You should offer a timely, affordable, and hassle free process so that you can sell your property on huge profit. Here is how Merchant Stronghold can offer you online payment services for these and more:

• Resale, rentals, and classified services
• Attorney based timeshare services
• Reseller clubs and tour operators
• Timeshare Marketing and advertising companies
• Ideal for people looking for multiple payment methods
• Both offshore and domestic merchant services
• High volume transactions and approvals

Merchant account for Timeshares Business
Timeshares business offers various types of packages, vacation rentals, and airfares. It is considered as high risking business because credit card processing is high trafficked. The transactions also occur via phone and internet, and customers complain about services a lot. It takes a lot of time from booking to receiving, and because of it disputes are common. Few years back, timeshares merchants weren’t offered credit card processing because of frequent cancellations and refunds. Now merchant account providers are able to take the risk, but travel and related business must keep terms and conditions clear.

Credit card fees and charges

There are various fees associated with transactions, mostly depend on customer’s card and type of transaction. Cards such as American express, debit, credit card, and type of business are the key factors. Banks don’t want chargebacks because these cost money so they monitor timeshares business closely. Merchants must check best processing rates and look for an online merchant account that offers high processing limit. Those timeshares businesses with chargeback rate of more than 1% are denied accounts. You should look for merchant account that offers tools to reduce risk of chargebacks.

Trustworthy Merchant account provider

Timeshares business should seek a merchant account that is trustworthy and offer best rates. There are many strategies that can help you lower chargebacks. Effective sales and marketing methods, direct processing, and keeping records can reduce the risk.

Merchant stronghold is familiar with many credit card processors and scenarios. We offer low rates to our timeshares business owners so that they can process credit cards without having to follow bank to bank approval. We can help you by finding credit card processors best suited for your terms, conditions, and rates. Before providing you services, we inform you of advantages and disadvantages so that you are aware of possible risks and benefits. We work with businesses and individuals so that they can get best solution. Merchant stronghold provides education so that you are satisfied with the outcome.

Wоuld you lоvе to be раrt оf thiѕ?? Feel frее tо get in touch ,wе’ll bе glаd to hеаr frоm уоu

Get a flexible Payment Gateway for Transportation Services

 Hardest thing is finding a merchant service provider who deals with focused services such as car, bus and taxi. These are direct services related to transportation. Direct services are those which help customers to choose from a range of things without third party involvement. It could allow customers to book a taxi in near area with the help of a mobile application or E-commerce website. The application can complete transaction on the spot using Merchant Stronghold’s Payment gateway. It will be quick, simple and clean

Payment brands use codes to classify businesses by the type of goods and services. Payment gateway integration providers use these codes to inform their clients which category a business belongs to. A good example of these codes is MCCs 4000–4799 (Transportation Services). All the numbers between MCC 4000 to 4799 are transportation services such as passenger railways, bus lines, air lines, marine services, courier services, and more.

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 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 person to person, but above 5 things are building blocks of a system.

When a merchant orders our services, we prepare 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.

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Most Popular ways to Start Merchant Account for Subscription and Membership

 The internet has opened up prosperity of business opportunities for organizer in recent decades, including membership sites. Even if a merchant is offering products or information, the exclusive nature of a membership site promises customers a uniquely rewarding experience. Despite, like many online enterprises that pare out new business slot (or that fill existing niches in new ways), the membership site industry has knowledgeable some bounce as it finds its feet. As a result, it can be a bit tricky for merchants starting up a membership site to do the very thing that makes the endeavor lucrative: collect membership fees from clients via a high risk credit card processing account.

Most conventional economic institution are, by their extremely nature, mindful – both of monetary high risk and of danger to their reputation. If they have concern that assured industry practices general in a certain business might verify “quality destructive,” they’re distant more inclined to cut free any merchant in that field than observe in depth whether an individual customer is occupied in cool business practices. The proprietor of several membership websites originate their merchant accounts immediately closed. The purpose behind this was that MasterCard had released new rule that put certain practices general to the membership site industry model under much greater inspection. Now, membership sites are regarded as High Risk Business merchants whether they take part in these activities or in these exercises not. This makes it hard for an entrepreneur to discover an organization willing to acknowledge his application for a membership site Merchant Account in the first place and even harder to discover one that will offer him practical terms on his account.
 

Why subscription/Membership Sites are considering “High Risk”?

Before MasterCard’s compact rules were implemented (Visa has also issued similar guidelines), several membership sites used techniques that were extensively regarded as misleading, or even deceptive.

“Harmful decision” enrollment – in other words, the client makes a single payment for a product or service, but in doing so they are automatically signed up for a paid monthly subscription which they must actively cancel or opt out of to avoid being charged.

“Free trials” that aren’t free – the client or member is promised something for “free” (including “conceded charging” or “just pay shipping!”), but the process of obtaining the “free” thing or service results in them unknowingly being signed up for a paid membership or subscription.

Covering terms in the fine print – the Membership site makes the terms of its charges and refund policy approach hard to discover by concealing them amidst an extensive client assertions, or in modest content in some dark corner of the site.
 

Membership/ Subscription can Affect Your Business?

Your Membership site may be absolutely clear and genuine with its people about any charges to their cards, yet being a bit of an industry with a reputation for precariousness makes it harder to secure an enlistment site portion taking care of record – especially one with respectable rates and conditions. Your best decision is to work with a charge card dealing with association that has some skill in high peril shipper accounts. A part of the portion processors willing to offer you a record may charge high costs or keep down a senselessly broad level of your compensation as a “moving store” to cover the risk of chargebacks and diverse hardships from harried people. While dealing with associations are taking a wager by offering speaks to enlistment districts and need to secure them, these high rates can be troublesome for privately owned businesses. Dealer Stronghold-Merchant Services is cheerful to work with High Risk Merchant and tune in to their requirements to give sensible participation site accounts.

How do I Set up a Merchant Account?

 Setting up a merchant account is very important and usually it’s not that hard to do it either. What makes a merchant account great is the fact that it allows your company to accept both credit and debit card payments. Usually you will need to have either an agreement with the bank that they process credit card payments or you can work with an independent sales organization, MSP and so on. Either solution works as long as you collaborate with a dedicated financial institution and have a designated point of sale system.

The first thing you have to do is to determine the way credit card payments will work for your company. This means that you need to figure out the type of credit card payments that you want to accept and how you accept those payments. You need to see if you accept website payments, if you want to use a POS solution or mobile payments. You will also have to think about the amount that you get from credit card sales to begin with.

Aside from that, when you create a new offshore merchant account you will need to think about the merchant payment processing and you will also have to make a comparison between all the services offered to you. This way you will be able to see which one actually delivers the best value for your money, so you should consider that as fast as possible. Each merchant account provider has a flat rate that will be charged each time a payment is processed or it might have a percentage fee based on the total transaction amount.

Sometimes you will see that merchant provider options will have software and payment acceptance solutions. Of course, if you do opt for these merchant services you still need to have something that allows you to be in control. It might be challenging at first, but results will end up paying off quite a bit which is exactly what you want to focus on here. Having control over the way your customers pay is very important so try to keep that in mind.

Some of the merchants will set up your account and they will just require you to undergo a credit check and offer a personal guarantee. The application process might take some time though. Once that is done, the setup process will be completed and results will be impressive for sure. What you will like here is the fact that the process is seamless, once you apply for the merchant account, the provider will take care of everything. If you want to skip on some taxes or just want to deal with companies outside your country, you can work with an offshore account provider.

As you can see, setting up a merchant account isn’t that challenging to begin with. It will take some time though, so try to keep that in mind and it will help you quite a bit which is exactly what you want to have!

Easy and Reasonable Legal Document Preparation Service For Merchant

Every year, billions of dollars are being loaned to understudies. Quite naturally, there are scammers who attempt get your cash offering services that you should study well so to avoid being scammed.

The Consumer Finance Protection Bureau (CFPB) has always cautioned understudies about what to look out for when you require an understudy credit or some assistance with respect to it.

Understudy Loan Debt Help

Many organizations promote they can facilitate you with your credits/loan, and you can see them publicize on Facebook, on Google, or even send emails messages. Before making any move with these organizations, don’t forget that you don’t have to pay somebody to get help with your Federal understudy credits/loan if you don’t want to.

If you’re a document preparation services for merchant Account, consider turning to the #1 High Risk Payment Gateway provider in the US, Merchant Stronghold to get the best for your High Risk Business wants and needs.

Merchant Stronghold offers a secure and low-cost Document Preparation Merchant Account to companies providing document preparation services regarding student loan consolidation, loan counseling, loan and modification services.. Merchant Stronghold is one of Inc. Fastest Growing Companies of 2017.
 

Sophisticated Fee Scam

This scam has to do with a student credit/loan organization offering you the “best” interest rate and loan terms. You’ll be requested have to pay a “little” fee up front for their service.
 

Credit Consolidation Scam

On account of the most widely recognized understudy credit combination trick, the organization charges a solidification expense, yet really doesn’t make any move. The expense will frequently be spoken to as a preparing charge, managerial charge, or solidification expense.
 

Student Loan Scam Lawsuit-Law Office

A law office will offer to settle your understudy credit obligation. You can come across lots of variations of this scam. A student aid company may contact you and promise that the given law firm can settle your student loan debt for thousands less than you owe.

Improper Merchant Underwriting Directly Affects Your Business

To acquire a customary Merchant Account, your business must experience go through a wide analysis process called merchant underwriting. Sorry to say but some Merchant Account Provider doesn’t satisfactorily underwrite businesses, which can rapid issues down the line.

Merchant Account underwriting is completed by an individual or team of high risk analysts and in general takes two days to a week to complete, depending on the provider. For businesses needing a quick fix, there are options that don’t require any underwriting — but those have their own drawbacks. More on that later.
First, let’s go over what underwriters usually review.

Representative Merchant Underwriting Process

The vital goal is to evaluate the business’s level of high risk for the provider. Why? Because of a high risk merchant account is fundamentally a line of credit. If a business is strike with a chargebacks, but doesn’t have enough funds in the bank to pay it, the provider fronts that expenditure right away.

Just before truthfully establish the High Risk Business level, providers review the following:

Industry Type— every business kind has its own level of risk. For example, a business that swipes cards is less inclined to deception/fraud and chargebacks, and is therefore less dangerous, than a business that sells products on the web. The riskier the business, the more support documents and information required for review.
   
Business History and Policies— This incorporates years in industry, billing, shipping and return policies (if applicable). Organizations that ship products are more risky because the product might not be delivered, which can result in a chargeback.
   
Merchant History and Card Acceptance Method(s)— Providers will need to know things like your business’s chargeback ratio (over 1 percent is a red flag), whether your business is or has been on the Merchant Terminated File and, if so, why. Most providers evaluate current merchant statements to get an idea of processing volume and methods of acceptance. Businesses accepting tips or phone and online orders are taken into consideration for added features and security measures, if approved.
   
Processing Limits Requested— Providers will take these into consideration in conjunction with the above information. Providers should set your limits at a happy medium — they should accommodate your regular processing without giving too much room in the event of a large fraudulent charge. If your business doesn’t need very high limits, your account shouldn’t be set up that way.
   
Financial Stability— This can include a look at the business’s bank statements, its financials and, usually, the owner’s credit. This is vital for high-risk businesses, as this information can make or break the merchant underwriting approval.

Some providers inadequately review businesses, resulting in issues after they’ve started processing.

Poor Merchant Underwriting After effects

Without an in-depth analysis, your High Risk Business may suffer from one or all of the following:

Incorrect Limits— whether you’re left with insufficient or excessive limits, it’s a problem. Limits that are too low will hinder your business from processing your regular transaction amounts, which may prevent customers from paying on time and constrict your cash flow. If limits are set too high, you may get hit with major fraudulent charges you can’t cover.
   
Hidden Volume Fees– Some providers will give you a limit, but let you exceed it without warning. The penalty? You’re charged an additional fee on either the volume that went over your limit or on the entire processing volume for that month.
   
Downgrades– If your account is set up without certain features and security measures, you’re susceptible to transaction downgrades, which mean you’re unnecessarily paying higher transaction costs. Providers often fail to set up accounts with these features because it means more money in their pockets on the downgraded transactions.

Some businesses opt for an account with Payment Facilitators, such as PayPal, Stripe or Square, which bypass merchant underwriting altogether. While they may seem like a better option, these alternatives have their own pitfalls.

Speak with a specialist about underwriting at 888-622-6875.

How to overcome the Difficulty of High Risk Payment gateway for Collections Account

Having Problem to getting a Collection Account with Payment gateway?
Standing issues in business, there’s no doubt. An extraordinary name can permit you to take your business to levels you never envisioned conceivably; an awful one can devastate you before you even open the ways to your store. 

 

Trustworthiness, for better or for worse, also matters when you attempt to secure a merchant account for your company’s credit card processing & Check processing ACH processing. But not your reputation, no matter how pristine and spotless it might be.No, banks and MasterCard organizations that offer Merchant account rather take a gander at the notoriety of your industry with regards to auditing your application, and the tragic truth of it is, most ordinary suppliers will turn down somebody in the debt collecting office industry without even a moment look.
 

What kind of things to working against collection Account/Agencies ?

Different determinant that prompt this negative conclusion held by offshore merchant account suppliers are the quantity of charge backs that a business encounters. As most gathering office proprietors can let you know, there are a lot of individuals who guarantee to make an installment, and afterward call sometime later to their bank or Mastercard or Credit card Company and cross out it. Since this includes a considerable measure of income to and from a business, banks get stressed that the gathering organization won’t have enough cash to pay its clients and that reimbursement will turn into the bank’s concern.
 

The charge back factor additionally prompts the danger of strength for debt collecting offices. Many have high representative turnover, caused to a great extent by work related anxiety. Since numerous gathering organization representatives’ pay is attached specifically to rewards, many will leave in a hurry if a steadier open door tags along.
 

What type of merchant account providers accepts high risk business solution?

In any case, while some typical Providers see just “high Risk business”, a lot of others see group organizations as authentic organizations keep running by genuine individuals out to give an administration that is unmistakably required, particularly in the current advanced scene where misrepresentation is uncontrolled and individuals appear to have unending methods for purchasing things without each really being responsible for paying for them.

It is regularly the little trader account suppliers who will fill in as the waypoint for accumulations charge card preparing in light of the fact that they themselves have encountered a comparative circumstance – being too little, new, or “deceitful” to secure finances or credits from gigantic foundations.

Easy and Reasonable Legal Document Preparation Service For Merchant

 

 

Every year, billions of dollars are being loaned to understudies. Quite naturally, there are scammers who attempt get your cash offering services that you should study well so to avoid being scammed.

The Consumer Finance Protection Bureau (CFPB) has always cautioned understudies about what to look out for when you require an understudy credit or some assistance with respect to it.
 

Understudy Loan Debt Help

Many organizations promote they can facilitate you with your credits/loan, and you can see them publicize on Facebook, on Google, or even send emails messages. Before making any move with these organizations, don’t forget that you don’t have to pay somebody to get help with your Federal understudy credits/loan if you don’t want to.

If you’re a document preparation services for merchant Account, consider turning to the #1 High Risk Payment Gateway provider in the US, Merchant Stronghold to get the best for your High Risk Business wants and needs.

Merchant Stronghold offers a secure and low-cost Document Preparation Merchant Account to companies providing document preparation services regarding student loan consolidation, loan counseling, loan and modification services.. Merchant Stronghold is one of Inc. Fastest Growing Companies of 2017.

Sophisticated Fee Scam

This scam has to do with a student credit/loan organization offering you the “best” interest rate and loan terms. You’ll be requested have to pay a “little” fee up front for their service.

Credit Consolidation Scam

On account of the most widely recognized understudy credit combination trick, the organization charges a solidification expense, yet really doesn’t make any move. The expense will frequently be spoken to as a preparing charge, managerial charge, or solidification expense.

Student Loan Scam Lawsuit-Law Office

A law office will offer to settle your understudy credit obligation. You can come across lots of variations of this scam. A student aid company may contact you and promise that the given law firm can settle your student loan debt for thousands less than you owe.

High Risk Merchant Account for Gaming Business

 As of now, the greatest internet gaming markets are generally found in the EU. The European online betting industry is justified regardless of an anticipated 10 billion Euros. The reason is that a few nations, for example, the US and China confine betting intensely or permit it in specific territories like Las Vegas and Macau.

In spite of the fact that an ever increasing number of web based wagering organizations are developing, there is still a lot of room in the business, which is anticipated to represent twofold digit development in 2017 and the years to come.

Merchant Services for online gambling  Online gambling is regularly known as gaming inside the merchant services industry. It’s selected as high risk by most card processing providers. The reasons are as follows:
Online betting organizations highlight a high-volume turnover

Most gaming businesses are based offshore
On the off chance that the business is a startup or new, getting banks can be put off by the absence of credit and exchange history

In any case, in the event that you operate in the high risk industry such as gaming and internet betting, you shouldn’t think you can’t secure a merchant account for your business. All you require is to turn to a reputable payment processor like merchantstronghold.com that specializes in the high risk area and knows your professional business like no one else. Merchant Stronghold specializes in merchant accounts developed specifically for gaming and casino companies.

Gaming Merchant Account from Merchant Stronghold
Merchant Stronghold specializes in both online gaming merchant accounts and online gaming payment gateways and offers the best gaming merchant account in the industry. Merchant Stronghold’s team of experts in online gambling payment processors work intimately with suppliers to guarantee you can get the best for your business needs.

Voted the #1 High Risk Merchant Account Services Provider in 2015, and 2016. Merchant Stronghold specializes in high risk and offshore merchant accounts.

Accept Credit Card on your Online Education Website

If you are running an Online Education website and want to accept credit card, then you are at the right place. We provide one solution to all of your problems.

If you are reading this then you probably want to accept credit cards on your Online Education website. Most business owners like to know how they can accept credit cards. There are many ways to offer multiple payment methods to your customers. Some of the commonly used methods are as under:

Using own merchant account: you will need a payment gateway integration linked with your website. There are various requirements for every country; you can contact us for further information. Third party merchant: There are many companies willing to accept credit card on your behalf. They will take fees in exchange and provide you easy solution for your Online Education website. These are also called payment gateways.

How it will benefit your business?
If you are advertising your business but you are not accepting credit card payments then you are making a mistake. If customers find something interesting on your site and they have to buy via check then they may not buy it at all. It takes time to get a checkbook and mail it.
There are international customers who may be interested in your products but not accepting credit card can restrict your business. A flexible system takes care of currency different and other factors. If you aren’t accepting online payments through credit card or debit card, you are losing valuable customers every day.

Which is the best method for you?
Opening a merchant account is little expensive than third party high risk merchant account. Some third party may not have any fees, but the transaction fee is usually high as compare to a dedicated merchant account.

If you don’t know whether your product will sell then third party will probably suite you. But if you are confident that you have a quality product that will gain popularity in time then a dedicated merchant account is the best solution for you. If you just want to test your Online Education website then try third party account, you will get a check and you won’t have to worry about anything other than your product.

Advantages of own merchant account for Education Website
One of the reasons to have a dedicated account is that your visitors will be able to trust you and you may sell more. Most card owners trust websites that offer better payment system. Having a dedicated merchant account can decrease transaction costs as well. You will be processing the transactions using a gateway so you probably will need to be more careful. There may be frauds and chargebacks in dedicated to third party merchant account. 

You will gain more trust from your customer. You won’t need to pay third party extra gateway fee other than regular gateway fee. Also there will be your own merchant account and payment gateway so the complete profit will be yours and no requirement of splitting the profit between you and gateway providing company. So the result of having own merchant account can give you high ratio of profit than third party gateway.

Payment Gateway

Merchants аrе оftеn unclear оn whаt рауmеnt gаtеwауѕ dо аnd why thеу nееd thеm. Thеrе iѕ оftеn соnfuѕiоn concerning thе gateway’s funсtiоnаlitу аnd hоw it diffеrѕ from аn е-соmmеrсе ѕhоррing саrt. Juѕt as often, merchants tеnd tо еԛuаtе рауmеnt gаtеwауѕ with mеrсhаnt ассоuntѕ. Quickly we will try tо сlеаr thе confusion and put the gаtеwау in its proper рlасе in the е-соmmеrсе сrеdit card рrосеѕѕing сусlе.

Whаt iѕ a рауmеnt gateway?
Pауmеnt gаtеwау iѕ a wеb-bаѕеd service that intеgrаtеѕ intо an e-commerce wеbѕitе’ѕ shopping саrt аnd соllесtѕ рауmеnt infоrmаtiоn provided bу сuѕtоmеrѕ аt the сhесk-оut. Thе gаtеwау thеn еnсrурtѕ thе data аnd transmits it to the саrd iѕѕuing bаnk for authorization. Thе аuthоrizаtiоn response iѕ thеn ѕеnt tо the merchant and iѕ diѕрlауеd tо the саrdhоldеr. In еѕѕеnсе, the рауmеnt gаtеwау ѕеrvеѕ fоr web-based mеrсhаntѕ the same рurроѕе thаt a роint-оf-ѕаlе (POS) terminal dоеѕ fоr retail businesses.

Whаt does a payment gаtеwау dо?
Just аѕ their POS соuntеrраrtѕ, рауmеnt gаtеwауѕ ѕuрроrt the full rаngе of processing services: authorization оnlу, аuthоrizаtiоn and capture, rеfundѕ аnd voids. Evеrу mаjоr gаtеwау оffеrѕ a virtual terminal орtiоn which enables mеrсhаntѕ tо еntеr in a brоwѕеr thе рауmеnt information аѕ thеу are соmрlеting a trаnѕасtiоn оvеr thе рhоnе оr hаvе rесеivеd a payment оvеr the mаil. Moreover, the virtuаl tеrminаl аllоwѕ уоu tо create and save сuѕtоmеr рrоfilеѕ within thе gаtеwау, whiсh уоu саn ассеѕѕ later fоr a ѕрееdiеr рауmеnt processing. Additiоnаllу, уоu саn uѕе thе virtual tеrminаl tо set uр installment оr rесurring payment рlаnѕ, аѕ wеll аѕ process deferred рауmеntѕ. All major рауmеnt gateways nоw support AVS аnd CVV2 / CVC 2 vеrifiсаtiоn services.

Hоw dоеѕ a payment gаtеwау intеrасt with a shopping cart?
Payment gateways аnd ѕhоррing саrtѕ еntеr the trаnѕасtiоn cycle аt diffеrеnt ѕtаgеѕ. Shоррing саrtѕ еnаblе сuѕtоmеrѕ tо select itеmѕ fоr purchase аnd саlсulаtе thе tоtаl соѕt of the оrdеr, inсluding shipping and hаndling сhаrgеѕ аnd tаxеѕ, if аррliсаblе. Onсе that iѕ dоnе and thе сuѕtоmеr рlасеѕ the оrdеr, thе customer iѕ tаkеn to the сhесk-оut where he оr she is asked tо рrоvidе thе рауmеnt infоrmаtiоn, which iѕ then соllесtеd аnd mаnаgеd by the gаtеwау. Once they have entered their payment details the payment gateway integration start their job and run and process their transaction behind the scene.

Pауmеnt gаtеwау vѕ. merchant ассоunt.
It iѕ imроrtаnt to understand that рауmеnt gаtеwауѕ, juѕt аѕ POS terminals, аrе tооlѕ fоr handling рауmеnt infоrmаtiоn. Juѕt as thе POS tеrminаl is a part оf each rеtаil offshore merchant account, thе рауmеnt gateway is аn еѕѕеntiаl part оf еvеrу е-соmmеrсе mеrсhаnt ассоunt. Yеt, thе mеrсhаnt account ѕеrviсе gоеѕ bеуоnd hаndling thе infоrmаtiоn provided bу the саrdhоldеr. It enables a mеrсhаnt to accept сrеdit аnd debit саrdѕ, аѕ wеll as other рауmеnt methods, bу соnnесting the mеrсhаnt’ѕ рhуѕiсаl аnd / or virtual check-out tооlѕ with a рrосеѕѕing bаnk that “асԛuirеѕ” thе trаnѕасtiоnѕ and funds the mеrсhаnt’ѕ account thе trаnѕасtiоn аmоunt, аftеr ѕubtrасting thе transaction’s рrосеѕѕing соѕtѕ. Thiѕ whole process, from thе capturing of the infоrmаtiоn аt thе роint оf sale (whеthеr рhуѕiсаl оr virtuаl), tо thе ѕеttlеmеnt of thе funds is whаt a merchant ассоunt ѕеrviсе provides.

Hеrе is a dеtаilеd dеѕсriрtiоn оf the Pауmеnt 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 iѕ thеn fоrwаrdеd tо thе iѕѕuing bаnk for vеrifiсаtiоn.
• Credit саrd is verified by iѕѕuing bank / processor. Cаrd 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.

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.

CREDIT CARD PROCESSING GATEWAY FOR YOUR DIRECT MARKETING

 

 

 Merchant Stronghold provides credit card processing gateways that are tailored for your direct marketing business. Grow your Direct Marketing business by providing multiple payment options to your customers.

Efficient Front end Systems and Credit Card Processing Gateway to integrate with Stronghold’s gateway API and be able to provide instant successful transactions is important especially for a Direct marketing System. Stronghold’s credit card processing gateway not only accepts payment, but also compiles reports so that merchants can keep records of transactions. Many companies these days promise to deliver these efficient systems, but most of them focus upon providing fancy systems rather than better security. Merchant stronghold on the other hand not only have the most secure and solid gateways available, but also close all loop holes that can harm payment system of your direct marketing business.

Rather than using physical terminals, your customers can use secure online gateways for making transactions. There are many advantages; business get daily  batch reports, multi batch reports, decline reasons , successful transactions, refunds ,  sorting last 30 days transactions, and much more. All these can be done using your personal or business computer. The Gateway also captures the IP Address and reports it in the system using the iSpyFraud Technology.
 

Online Payment Gateway

Our virtual gateways can make credit card processing money saving, which means your business pay less amount to process transactions. Merchant stronghold makes sure that every transaction is secure.  In order to provide better direct marketing gateways, we have set ourselves apart from our competition. We offer services that are tailored for your business – A glimpse of our methods:

Safe and Secure Processing: All the credit card processing transactions go through multiple secure servers means no data is stored on your business computer. This makes direct marketing processing safe and secure.
 

Customer Support: The first thing that any business should focus upon is better customer support. Our team is available to help you deal with any payment issue. You can contact us and discuss issues and they will be resolve timely so that your direct marketing business thrives.
 

eChecks: Gateway allows you to accept echecks too! Accept Credit Cards and eChecks in the same Gateway.
 

Flexible Settlement Times: The business can customize or set a certain time for the transactions to be batched out and be sent out for settlement.
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User Access: Our direct marketing credit card processing gateways give users multiple options. Your customers get email receipts at the time of processing. This ensures that transaction is authentic and quick. 

All the records are kept for future references.
 

ISpyFraud Technology: ISpyFraud Technology helps to monitor and capture customers IP address at the time of the transaction. Geo Locations and IP Address helps reduce online fraud and is the first choice for a direct marketing business when it comes to accepting credit cards. Don’t let your merchant face the risks of accepting payments without adequate protection. Get in touch with our to learn more about how to help your customers guard against fraudulent transactions.

If many of your transactions are face to face, then you are not providing enough options to your customers. We can offer your customers easy and reliable options that will suit their payment method. Ever transactions made through our systems will be safe and your customers will get notification of their recent transaction. What is the best part in all this? You are paying less money and getting premium credit card processing gateway.

How to sign up for getting your offshore merchant account? It is quick and easy! Start an online application or call one of our merchant specialists will walk you through the process. We offer various services, and based on your requirement, we will provide a payment solution that will best suite your direct marketing business.