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What is a Merchant Account, and why
do I need one?
A Merchant
Account is an account that is setup between a merchant and a bank in
order to process credit card transactions. This is generally done
through the merchant’s local bank or through a merchant service
provider.
The Merchant Account is linked to a bank
account, typically a checking account, setup by the merchant. The
funds from the merchant’s sales will be deposited and any refunds
will be withdrawn from this attached bank account.
A Payment Gateway is required to
automate the transaction between an Ecommerce Website and the
client's Merchant Account.
What is a Payment
Gateway?
A Payment Gateway is a service that automates payment transactions
between an E-commerce website and the merchant's Merchant Account.
This is generally a third party company that processes, verifies and
accepts or declines the credit card transactions through secure
internet connections on behalf of the merchant. Your merchant
account provider should be able to assist you in obtaining a payment
gateway.
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 HWS has
partnered with the following preferred
merchant account providers to offer you the
best options in accepting credit card
payments online.
HWS clients are not required to use any of
the preferred merchant account providers, but
these third party providers have been
approved by HWS to ensure compatibility with
our e-commerce stores, as well as to ensure competitive
rates.
Do you already
have a merchant account provider? If so, you
may consider contacting our preferred
providers to possibly receive a better rate.
Speak with your
merchant account provider directly in order
to obtain a payment gateway for your
website. Please keep in mind that only
certain payment gateways are compatible with
our e-commerce stores without additional
programming fees.
HWS is not responsible for approval or
denial of merchant account applications.
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Heritage Web Solutions has selected FDIS as
an
endorsed credit card processor, providing
Heritage Web Solutions customers access to an
exceptional opportunity to help increase
your sales and profits. FDIS is a trusted
leader in the payment processing industry,
providing flexible and reliable products and
services that allow most types of
businesses to accept nearly every form of
electronic payment.
FDIS offers so much more than credit card
processing:
- One of the highest approval ratings in the
industry
- Merchant applications are approved
within approximately two business days
- Real-time online application with
electronic signature for most types of
businesses
- Premier customer service 24 hours a
day, 7 days a week, every day of the
year in more than 140 languages and
dialects
- Proprietary point-of-sale hardware
and software for traditional,
home-based, mail order/telephone order
and Internet businesses
- LinkPoint Secure Payment Gateway,
one of the most secure and complete
online e-commerce payment options.
- Mymerchantoffice.com, a unique
merchant-dedicated Website for accessing
full account information 24 hours a day,
including merchant statements, deposits,
retrievals and chargebacks.
- The opportunity to join our Merchant
Club, an exclusive, value-added loyalty
program for FDIS merchants.
More Information on
Card Service International |
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Heritage Web Solutions has selected
ClearChoice Merchant Services as an
endorsed provider to support your
electronic payment requirements. As a leader in the industry,
ClearChoice can be trusted to provide
your business with the latest and most
secure payment systems available today. ClearChoice enables your business
to accept all major credit cards, ATM
cards, and electronic checks. They also offer eMerchantView, an
online website that allows you any time
access to your daily transactions, sales
deposits, retrievals, chargebacks, and
monthly statements.
SAME DAY APPROVAL! With their easy application
process and high acceptance rate, you
could be accepting your customers'
payments the very next day!
Not
only that, but ClearChoice also offers you
their exclusive sign-on processing
rebate upon your first sale.
They can also assist your company's
growth through other revenue enhancing
products:
- Gift and Loyalty Card Programs
- Small Business Loans
- ATM Dispensers
Their goal is the same as YOURS...
provide a quality, low cost payment
solution that guarantees quick access to
your funds and is supported by an
outstanding customer service team!
News Release!
Your low cost payment processing
doesn't stop with Visa and MasterCard...
Discover Card recently
announced ClearChoice Merchant Services
as one of their exclusive payment
acquirers. That means with ClearChoice you
can now receive lower cost Discover
transactions than ever before! Click
below to complete their application and
Earn Additional Incentives!
More information on ClearChoice Merchant
Services
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Newtek is a full service provider of payment
processing services to merchants throughout the US.
Newtek enables you to accept all major credit cards
as well as debit and ATM cards for payment whether
you are a retail, service, mail-order or Internet
merchant. Newtek will work with you to set up merchant
payment processing and to customize value-added
programs that help drive customers to your door.
Newtek provides competitive processing rates, while
also offering the highest level of customer service
and expertise available in the industry. They can
implement personalized gift card programs, ATM's and
check guarantee services to maximize your revenues
and reduce your costs.
More Information on Newtek Business Services |
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