Products -
A business may accept credit cards using any of five methods:
(a) At your business location using a credit card terminal,
(b) At your business location using payment processing computer software,
(c) At any location using the web via a virtual terminal login ID and password,
(d) At any location using a wireless terminal and printer and a wireless gateway,
(e) At any location using Dial Pay where you dial an 800#.
Credit Card Terminals -
Credit card terminals are electronic draft capture devices capable of processing payments. Although there are many different brands advertising many different features, there are no major differences among them; they all essentially do the same thing.
First Bancard sells/leases terminals other than the ones listed below and is able to program or re-program any terminal on the market today.
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Verifone Omni 3750 - A technologically advanced yet simple to use terminal with integrated smart card reader. A high-speed thermal printer with drop-in paper loading. The fastest transaction times, perfect for virtually all retail establishments, and upgrade-proof. |
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Hypercom T7P Plus - Building on the heritage of the T7 series, this terminal accepts all card types and allows for longer thermal paper rolls. A tried and true terminal popular with retail merchants. |
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Nurit 8320 - A compact countertop terminal which supports both credit and debit processing. Ideal for merchants operating in permanent locations, such as department stores, supermarkets, shops, and restaurants. |
Computer Software -
Many people are surprised to learn that you can use your own computer to process credit cards. All you will need is to install software on your computer, much like you would install any other software.
First Bancard has partnered with VeriFone (formerly Go Software) in deploying and training clients on PC Charge Pro.
To view the steps in a PC Charge Pro transaction, click the picture or right-click the picture, Save Target As:
Virtual Terminal -
For merchants who sell goods over the Internet (internet retailers) or for any business that sells goods or services but are not face-to-face with their customers to swipe their credit cards, your best option may be the use of a virtual terminal (a terminal in cyberspace you log into and charge credit cards). Our primary partner is Authorize.net.
To view the steps in an Authorize.net virtual terminal transaction, click the picture or right-click the picture, Save Target As:
If you are an internet retailer, you will also need Authorize.net; however, you won't be primarily using it as a virtual terminal. Instead, Authorize.net acts as an "internet gateway." An internet gateway is a payment gateway that is needed to route credit card transactions. This gateway gets integrated into the HTML of your website by an experienced e-commerce web developer.
Wireless Terminals -
Previously, wireless technology had been prohibitively expensive to pursue as an option to accept credit cards. However, WAY Systems has produced an all-inclusive solution to fit the needs of those wishing to accept credit cards on a wireless terminal. With this solution, merchants have the ability to electronically authorize and charge a credit card at the point of sale, and the customer signs the sales draft and receives a receipt via the included wireless printer.
The primary advantages to being able to electronically authorize your transactions instead of keying them in is twofold: (1) your business will save money because the rate you are paying for a "swiped" transaction is much less than the rate you are paying for a "keyed in" transaction, and (2) when you have a customer sign the sales draft then that is the best evidence in arbitration in the case of chargebacks, meaning you will win! The rule generally is: if you don't have a signature, you don't have a leg to stand on.
If you are a business looking to accept credit cards wirelessly, there now exists an affordable solution to fit your needs.
