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Credit Card Processing

What is credit card processing? Credit card processing is the process of taking electronic payments and moving the funds from one source to another.  Credit cards are one of the most used sources of payment today. Accepting credit cards allows you to maximize every potential sale opportunity and decreases the loss of sales due to lack of payment options. We at Rock Bottom Merchant Accounts want to make your experience with credit card processing a positive and efficient one. When it comes to credit card processing, it is important to keep in mind that credit card transactionprocessing is a business and service  that you pay for. Rock Bottom Merchant Accounts understands this and will be by your side making sure you get the value that you are paying for. The costs to you for accepting credit cards are minimal considering the benefits,  at Rock Bottom Merchant Accounts we want to make these payments as low as they can possibly be.

Merchant Accounts

As a merchant services provider, Rock Bottom Merchant Accounts provides credit card processing and debit card based payment processing services to merchants all over the United States.  Not only does Rock Bottom Merchant Accounts set  merchants up with an account to accept Visa^®, MasterCard^®, and Discover^® but also offers the merchant the opportunity to set up numerous other payment processing options for its customers.  We want you to accept credit cards! Some of those additional payment options customers can pay with are American Express^®, Wright Express, Voyager, PIN-Based Debit, Checks, and Gift Cards.  Learn more about these on the Merchant Services page.

Rock Bottom Merchant Accounts also holds true to its name as a merchant service provider. We pride ourselves in offering our merchants a level of professionalism and service no other payment processor can equal. Are you a merchant calling to set up service? We will not only expedite your application, but we also have terminals on hand to download and overnight to you to make sure you don’t lose a day of business. Do you have questions on your statement? On how to use your terminal? On how to order supplies? Help is just one phone call away! Our friendly and knowledgeable staff is here to assist you with any questions you may have and to ensure you are on the right track to process credit cards. Trouble with a customer who wants to charge back a transaction? We have one of the largest Chargeback and Fraud Departments in the industry! We will assist you in keeping the funds that belong to you.

Rock Bottom Merchant Accounts is here to serve all of your merchant services needs. Contact us about a merchant account today!

Internet Merchant Accounts

Internet merchants are not just those who have ecommerce websites. They can also be those who turn their personal computers into “virtual terminals” and process credit cards over a secure server. These merchants receive keyed rates because the credit card information is 100% keyed into the computer. Keyed rates are higher than swiped rates because more risks are involved in not being able to check the ID of a customer. To decrease risk, the secure server (gateway) portal requires specific information to help identify if the customer is really the cardholder. The billing address for the credit card is requested (AVS), as is the expiration date of the card, and the 3 to 4 digit code on the front or back of the credit card (CVV2 number). Transactions where this data matches the card will receive a lower discount keyed rate than when the data does not match the card, as those transactions are more risky and possibly fraudulent.

You will have to pay an additional fee as an Internet merchant account holder. This additional fee is the Secure Gateway Fee. Both ecommerce and virtual credit card merchant account holders have this additional fee, as the cardholder’s information will be passing over the Internet for processing in each case. The gateway keeps cardholder data private and secure from hackers and identity thieves. Rock Bottom Merchant Accounts uses Authorize.net as its gateway provider. Authorize.net is a PCI DDS (Payment Card Industry Data Security Standard) compliant company, so you know you are getting the best with this merchant account service.

Internet merchants are our fastest growing merchant base for credit card processing. If you are interested in more information on our Internet merchant accounts, please apply now!

Retail Merchant Accounts

Retail merchants process face-to-face sales through the credit card terminal by swiping the card. This allows you to obtain lower discount rates on your transactions and mitigate risk by checking the customer’s picture ID to verify that the credit card belongs to the customer. Rock Bottom Merchant Accounts offers rates begin at 1.09% for swiped credit card merchant accounts, which is one of the lowest rates in the industry.

Retail merchants are both storefront locations as well as in businesses where the merchants travel with a wireless credit card terminal. In both cases, at least 50% of your payment processing activity should involve face-to-face swiped transactions. Retail merchants also have the ability to process checks,  gift cards and process PIN-based debit transactions by having the customers key in PIN-numbers.

Many consumers expect retail merchants to accept credit cards and debit cards. Contact us about Rock Bottom Merchant Accounts merchant accounts today! Don’t let the lack of credit card processing capabilities cause your business to fall behind!