Accepting credit cards
is a must for online businesses today. Consumers enjoy both the convenience and the security
of buying with a credit card 24 hours, 365 days. Doing business
by Phone, Mail Order or Internet have never been easier
then today. The Internet Gateway is a secured interface for
business to complete real-time transaction processing. Merchants
can either manually key-in the customer's purchase at our
website Virtual Terminal or use a Shopping Cart
that will connect to the payment gateway to get a
real-time credit card card authorization. Using the Internet
Gateway, iPhone or Quickbooks is a cheaper alternative then using
authorization and is the best option for "Card Not Present"
transactions. Deposits are made to your bank account
hours. Preview a
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Step 1: You, as the Merchant submits a credit card transaction to the Authorize.Net Payment Gateway on
behalf of a customer via secure connection from your Web site or
shopping cart or
from a MOTO center or by using a wireless device.
Step 2: Authorize.Net receives
transaction information and passes it via a secure connection to
us, as your Merchant Acquirer's Processor.
Step 3: We will then submit the transaction to the Credit
Card Interchange VISANET (a network of financial entities that
communicate to manage the processing, clearing, and settlement
of credit card transactions).
Step 4: The Credit Card Interchange VISANET routes the transaction to the customerís Credit Card
Step 5: The Credit Card
Issuer approves or declines the transaction based on the
customerís available funds and passes the transaction results,
and if approved, the appropriate funds, back through the Credit
Step 6: The
Credit Card Interchange relays the transaction results to us.
Step 7: We store the transaction results
for your statement and relay the results to you, as well as to Authorize.Net.
Step 8: We pass the
appropriate funds for the transaction to your bank, which then
deposits funds into your bank account directly. This communication process averages three seconds or less!