Online Credit Card Payment Processing Services for Your Business

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.

Multiple 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 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.

High-Risk Payment Gateway & Merchant Services Provider

Merchants аrе оftеn unclear оn whаt рауmеnt gаtеwауѕ dо аnd why thеу nееd thеm. Thеrе iѕ оftеn соnfuѕiоn concerning thе gateway’s functionality 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.

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. 

Pауmеnt Gаtеwау vѕ. Merchant Aссоunt

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 merchant ассоunt, 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. A 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 Payment Induѕtrу, and in раrtiсulаr, сrеdit саrd рrосеѕѕing, iѕ соmрlеx. Mеrсhаntѕ are fасеd with соnfuѕing ѕtаtеmеntѕ, hundrеdѕ of vаriоuѕ рауmеnt processing fееѕ – inсluding costly lауеrѕ оf discount rates, transaction fееѕ, and surcharges – in аdditiоn tо the numеrоuѕ рrосеѕѕing орtiоnѕ оffеrеd by mеrсhаnt ѕеrviсе рrоvidеrѕ, рауmеnt gateways, and оthеr рауmеnt рrосеѕѕing еntitiеѕ.

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.

Intentional and Unintentional Friendly Fraud

A CNP transaction as “a payment card transaction made where the cardholder does not or cannot physically present the card for a merchant’s visual examination at the time that an order is given and payment effected, such as for mail-order transactions by mail or fax, or over the telephone or Internet.”

Friendly fraud “ocurs when a consumer makes an online shopping purchase with their own credit card, and then requests a chargeback from the issuing bank after receiving the purchased goods or services.“

Intentional Friendly Fraud.The deliberates falsification of facts by a consumer which is intended to deceive a merchant.

Reasons for intentional friendly fraud may have to do with buyer’s remorse. Perhaps the buyer made an impulse purchase for an amount that exceeds their comfort level or their financial circumstances suddenly changed and they wish they hadn’t spent the money or, maybe, their spouse doesn’t approve of the purchase.

Then there are fraudsters who commit online shoplifting by buying merchandise online and then disputing the transaction after the merchandise is received. In this way they can enjoy the merchandise for free, just like shoplifters at brick-and-mortar stores.

Unintentional Friendly Fraud: When a buyer mistakenly disputes a legitimate transaction without the intent to defraud a merchant.

Typically, unintentional friendly fraud is the result of forgetting about a purchase, not recognizing the transaction details shown on their credit card or bank statement and not knowing about a purchase made by another cardholder on the account.

Online businesses collectively lose billions of dollarseach year due to friendly fraud, making it crucial for merchants to take necessary steps to help prevent fraud before it happens, such as:

Cross-checking cardholder information.

Making sure IP addresses for orders match delivery locations.

Confirming order details with customers should anything look suspicious?

Merchants also need to be vigilant about watching out for pending chargebacks and aggressively fighting fraudulent chargeback claims.

Get more information you can contact us - +1 (888) 622 – 6875 

Visit website - https://www.merchantstronghold.com/

High-Risk Merchant Account for Trial Continuity Businesses

Importance of Getting a Dedicated Trial Continuity Merchant Account or Payment Gateway
Due to the nature of trial continuity businesses, subscription merchants are generally considered high-risk merchants within the credit card processing industry. This is likely because of the higher frequency of credit chargebacks among the subscribers. That is why you trial based business can find it hard to open an appropriate merchant account using traditional credit card processors.

Luckily, there is a solution that trial continuity businesses can use that specifically caters for high-risk subscription merchants. For example, Merchant Stronghold can enable merchants in the trial based businesses to accept seamlessly accept credit cards and effectively grow their businesses. Partnering with us will lead offer your business a more efficient Payment Gateway, beneficial customer support and ultimately improve your sales.

How to Choose the Right Payment Gateway or Merchant Account

Reliability
One of the main considerations to keep in mind is reliability. The last thing any subscription merchants would want is to have their credit card processor to fail just after launching new products. In addition, reliability enables your business to maintain a regular cash flow, which is essential when running any business, especially a trial offer or continuity based one.

Trust
Besides having a reliable Payment Gateway, subscription merchants must also ensure that the merchant service provider is abiding by the rules and regulations. This is very important, particularly with the current increasing concerns of both the FTC as well as credit card firms. Working with a trusted provider like Merchant Stronghold can help you avoid legal problems that could easily bankrupt your business.

Dedicated Service
High volume subscription merchants stand to benefit a lot from partnering with a suitable Payment Gateway that is customized to their needs. By partnering with us, you get a trial continuity merchant account that is specially designed to cater for your business that ensures that you are not losing large chunks of your profit margins on each transaction.

Conclusion
Trial continuity businesses have been having a difficult time getting merchant accounts simply because they are considered as high risk. Many companies are forced to look for credit card processes overseas to continue running their business. Luckily, Merchant Stronghold offers a dedicated and customizable Payment Gateway for subscription merchant’s right here in the United States. Contact us today at www.merchantstronghold.com to see how we can help you secure your own subscription merchant account.

High-Risk Merchant Account and Payment Gateway Services Provider

Reliable Merchant Account Services

There aren’t many merchant account providers who understand the worries of business owners. Every business has a size, some are small and others maybe big industries. Keeping these facts in consideration, we provide a solution that best fits your business needs. Our payment gateway can accept any card and electronic checks.

We have more than one solution for your business. Those merchants who want to utilize mobile payments, our system can help you to accept payment from any android or apple smart phones too. All you need is our help, we will equip your business with modern gateways that will accept payments from everywhere in the world.

Best Payment Gateway Provider

Merchant Stronghold is one of the leaders in the merchant account industry. We offer payment Gateways and payment options that no one in this industry offers. Executing an agreement with merchant service provider is the first step towards accepting credit card payments. Before Opening a merchant account, you should know which account is best for your business. If you choose the right account, it will solve many of your problems and increase profit margin.

Merchant Account Pricing

You will find our pricing very competitive. You can take benefit from our affordable rates for MasterCard and Visa. We offer a range of products and services that are tailored to a number of businesses. Either it is fraud management, Education, or PCI compliance support, we can integrate our payment system with your business. We are providing our expert services to many businesses, and our merchant accounts are processing thousands of transactions on a regular basis.

24/7 Merchant Support

We offer services that are personalized for your business. To get started, our customer support experts work closely with you so that you can choose the best merchant service and payment method for your business. You can ask questions to our customer support team, they will help you with chargebacks and other issues 24/7. We will make sure that you understand everything related to your merchant account.

You may already be familiar with merchant accounts and accepting credit cards. But if you have just started your e-commerce business, you probably need a gateway that is suitable for the business. There is a profit different between business centered gateway and any payment gateway.

We have powerful products and premium services. You can get your merchant account to control costs and boost your business towards success. We are sure that story of your success will start by integrating modern merchant account with your E-commerce site.

How to get Merchant Account Services for Telemarketing Business?

World is getting closer and closer by the day when we talk about online business and telemarketing. It has become far easier for customers to buy or order things online irrespective of their geographical location until and unless the merchant is high-risk account holder. Market place have extended beyond limits and instead of buying a shop/store and sitting there throughout the day to sell your product and services, all you need is a system with a website to market your product.

Telemarketing Business

It is a method where you can market your product directly either over phone or web conferencing, which is scheduled on a call. In this marketing method, sales person tries to convince prospective customers to buy a product or service that business is providing over phone or during conference. For operating such type of business and carry out financial transactions (where most of the transactions are carried out through credit card), business or merchant needs a merchant account.

Merchant account

It is a type of bank account, which is required to conduct financial transactions by various methods; accepting payment through credit or debit cards or by other means. Merchant account is created under an agreement between business owner and the issuer bank for the settlement of payment done via cards (card transactions). Merchant account is essential for high-risk merchants and is commonly called high risk merchant account.

High-risk Merchant

Next thing that comes in our mind is what is the meaning of a high-risk merchant. Issuer bank defines whether a merchant account or the business is high risk or not depending upon the number of chargebacks and the type of industry. High-risk merchant in telemarketing business faces a lot of struggle in getting approval for a merchant account, but if they succeed in getting one, it will enhance the sales, as they will be able to accept credit card payment from their customers present all over the world.

Advantages of merchant account service

If a merchant gets approval for a high risk merchant account, a wider range of support service is given to the merchant for a smoother and efficient workflow. One of the main services provided is virtual terminal. It is proven to be very beneficiary for high-risk merchants.

Once the merchant account is approved, a telemarketer will not only be able to accept the payment through credit card but also,do financial transactions telephonically.

It will help you bring the customers around the world under one roof as it will allow them to accept all the major currencies and credit cards.
Get more information visit website  - https://www.merchantstronghold.com/

Merchant Accounts in USA for Online Tech Support

When I started my research for this business, I communicated with a number of people whom I thought might have some practice in managing such merchants, and what I heard from them didn’t precisely come as a surprise to me. Most of my contemporaries warned me that such businesses could be very difficult to work with — that their company practices were doubtful, that they could infrequently doctor the required paperwork, that their chargeback ratios were sky-high, and that customer objection levels were off the chart. “Where have I heard that before?”, I wondered, and my initial practice rapidly confirmed the authenticity of these warnings. However, I had the good fortune to quickly stumble upon a merchant who turned out to be hard working, trustworthy and legit. He also ensured low levels of customer complaints and chargebacks. Equally important, the volume per month was extravagant— about $500,000 and still continues to grow.

Finding the best payment processing solutions can be difficult for tech support merchants operating internationally.

Whether you offer remote tech support assistance or in-office computer services, Merchant Stronghold provides customizable merchant accounts. For tech support businesses with Merchant Stronghold, you will be connected to a vast network of domestic, offshore and international acquiring banks that can approve you regardless of your geographical location.

Tech Support Merchant Account Fees

Our tech support merchant account fees are competitive and affordable, and our application process is free. Once our underwriting department matches you with one of our acquiring banking partners, the bank will then process your application and determine your merchant account fees.

Since banks determine fees on a case-by-case basis, we cannot provide you with exact fees until the underwriting process has been completed. However, you can contact us for your free quote.

How to Get and — More Importantly — Keep a Merchant Account Live

There was this particular merchant based in the U.S. and, by the time it contacted us, it had gone to some of the biggest U.S. processors to open several merchant accounts, a couple of which are still active. Now, this is one of the biggest mistakes that merchants must not make —opening several merchant accounts at once, and not keeping them live. If it’s done otherwise, processors get nervous and understandably so —the new Merchant Account You are applying dormant is either closed down or replaced. In the event, we asked our merchant to explain why it had gone through the pain of opening these many merchant accounts and received a satisfactory explanation, which is not a typical scenario.

Get more information visit website -  https://www.merchantstronghold.com/

Better Steps with Merchant Stronghold to High-Risk Payment Processing

When you set up a new business, along with many things that need to be sorted out you need to figure out how you would like to accept payment from your customers and this is one of the major obstacles, which most of the new business owner’s face. When you think about payment process, there are a few questions that need to be answered to find the solution. These questions are:

• Type of payments to be accepted
• Pros and cons of the chosen payment type
• Cost related to payment method.

When you are learning about payment processing, you should get knowledge about all the possible payment methods in detail. Out of various methods, Credit Card is the most popular as well as preferred payment method among customers. Let us discuss the basic steps you need to follow to get started with credit card processing: –

Setup a merchant account: To carry out the online financial transaction, we need to open a bank account to be able to accept payment online in multiple ways (credit card, debit card, net banking). This bank account is called merchant account and the merchant. Merchant account is an account with a card merchant processor, who underwrites and settles transactions made online and payment processor is the company that underwrites or facilitates transactions.

Fee charged: When you open a merchant account and start accepting payments, banks charge you a fee. This rate varies from bank to bank. This fee is discussed at the time of opening a merchant account and it also depends upon the type of transaction you have opted to process.

Transaction type: There are basically two categories of credit card rates and these are:

Physical presence of card: It is a method in which customer swipes his/her card on POS to make a transaction. In simple words, it is a way of payment in which customer’s credit card is swiped physically through a credit card terminal/machine.

No physical presence of card: In this method, card is not physically present at the place where payment is being done, rather it is done online or on phone or credit card details are typed manually to a credit card terminal. This method is commonly known as MOTO or Mail Order/Telephone Order.

The rates for both the categories are not the same and different merchant processors will offer different rates. So it becomes very important to know the rate provided by various merchant processors as well as which type of transaction method will be beneficiary to use in most of transactions.

These tools/software be any of the below specified tools:

User-friendly software is better for online payment processing and order fulfillment.

You can choose software which provides a better combination of receivable and payment processing so that you can manage both phone orders as well as recurring payments.

POS or Point Of Sale is an easy-to-use and secure terminal for card reader processing.

There are even softwares that provide almost all of the above features.

Merchant Account Services for Accept Credit Card Payments

Credit Card Processing Merchant Account

Accept Credit Cards Easy with our MERCHANT ACCOUNT, Fast and Seamless ! If you are already processing , let us beat those rates.

With the state of the art technology, give your customers the edge and grow your business with our Merchant Services and Credit Card Processing Solutions.

Online Payment Gateway

Our customized online Payment Gateway Solutions and Electronic Payment Solutions can help create innovation in sales techniques and an easier user experience for your customers.

Chargeback Management and Fraud Monitoring

Additional coat of protection for your business with Chargeback Management.

Chargeback Prevention Alerts and Fraud Monitoring services to help ensure that your profits stay there and you are safe with your International Payment Solutions.

Offshore Merchant Account

Merchants now can process with one of many Merchant Stronghold global processing solutions and diversify your processing to a whole new level by accepting payments by processing Credit cards/Debit cards/ or E-checks from the customers anywhere , anytime around the globe.

You can get paid for selling your product internationally because you have the direct connection with your customers, and paid directly into your account.

ACH and E-Check Processing Merchant Account

Extend your customers with the option of ACH/E-Check Processing Merchant Account and give them the ability to save a stamp and envelope.

Offer multiple payment options and increase your business’s profitability, as you can accept payments without asking your customers to send the check physically via post, instead have the details and docs signed from them, and accept payment in our Payment Processing System/ Merchant Account.

Retail Merchants- Free Verifone VX 520

EMV Technology enabled POS system with all kinds of safety, Wireless, Solid and Fast Verifone VX 520.

Avail our all-in-one package set to capture client partials at checkout

If you should more information about Merchant Services. You can contact us - +1 (888)-622-6875.

How to Complain website for US Payment Gateways?

It’s very important that the business advertise and provide brief and fulfilling information about the products or services they advertise. The terms of sales should be clearly stated. Especially if it’s trial offer with continuity. If it’s a product such as a Weightloss Product or Teeth Whitening – Ingredient list and product label should be clearly mentioned on the website. All products comply with the same MCC code or SIC code. Delivery date estimate should also be clearly stated.

Business Information

• Businesses’ Permanent Establishment address and Customer Contact information must be clearly mentioned on the website. The Company’s name should be clearly identifiable to the customer. Here are a few things that are a mandate:
• Full Name of legal entity;
• Legal and Actual business address (the address should not be posted as a Picture or with just Google maps);
• Registration number of the legal entity;
• Contact phone number and email address and hours of operation;
• Company contact details for Customer Support must be clearly displayed;
• Return Address, in case of tangible goods;

Secure and Simple Check Out Process

It is very important that the high-risk business register for a valid and secure SSL certificate for their complaint website. TnCs, Pricing, and Currency should the same as advertised. Statement of estimated fulfillment time of the contract, shipping or handling charges and VAT must be clearly displayed. Have to have a checkbox to acknowledge that this is recurring transaction; Visa, MasterCard, American Express and Discover logos. The billing descriptor (as it will appear on the customer’s statement) should be displayed as well. Some of the basic details you must collect for each transaction are-

• Cardholder First and Last Name
• Cardholder’s Billing Address
• Cardholder’s Shipping Address
• Cardholder’s Phone Number
• Cardholder’s Email Address

At the end of the checkout process, you must confirm the receipt of the transaction via email to the Cardholder. The business should be PCI compliant to be able to perform and continue an eCommerce Business. Learn more about PCI Compliance in future Blogs.