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Credit Card Processing Merchant Account – Secure transactions with all of the Major Card Associations (MasterCard, Visa, American Express, Discover, etc.)
Payment Gateway Payment Gateway – Help grow your share of the e-commerce market by enabling secure payments over the internet through the Gateway Virtual Terminal, Gateway Shopping Cart and Gateway API.
Electronic Checks and ACH Electronic Checks and ACH – Simple, safe, and cost-effective solutions with lower fees than traditional methods.
Gift and Loyalty Cards Gift and Loyalty Cards – Keep your customers back by offering gift and loyalty programs.
Cash Advance Cash Advance – 365 Glacier Payments’ cash advance program, powered by preferred partners, is geared toward providing merchants the ability to leverage their future credit card and debit card receivables in order to get an infusion of cash.
Franchisor Information Franchisor Information – If given the opportunity, we can provide your franchisees with low cost pricing on the fees they pay to accept credit cards that they would not see otherwise.
Equipment and POS Equipment and POS – We offer an extensive line of equipment and can recommend a variety of POS solutions, both based on the needs of the merchant.

Merchant Account

The benefits of accepting credit and debit cards far outweigh the cost. The various studies show that when people are given more payment options (beyond cash) they are more likely to make impulse purchases, join loyalty programs, and spend more per purchase – and that can only help your business to grow.

In the credit card processing industry, every merchant is classified into a specific category.  The four primary categories or types of merchant accounts include the following:  1) Retail, 2) MOTO (mail order – telephone order), 3) Internet and, 4)  Wireless. The major differences between these types of accounts are the transaction fees charged and the rules associated with the use of the account. It is not unusual for a business to have more than one merchant account, each of a different type. For example, a retail store may also have a website they are selling products through. This would require a RETAIL and INTERNET merchant account. With the Retail account the merchant would pay less because the cards and “swiped” versus “keyed” with an internet account.

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RETAIL ACCOUNT

Retail accounts offer the lowest transaction fees and have the most restrictive rules associated with them. Retail merchant accounts require that a very high percentage (usually 80% or more) of credit card sales be conducted with the “card present” and that the card be “swiped” by passing it through a physical credit card terminal. Retail accounts are associated with “brick-and-mortar” businesses such as restaurants, hotels, and grocery stores.

MOTO (MAIL ORDER/TELEPHONE ORDERS) ACCOUNT

MOTO is short for Mail Order/Telephone Order. MOTO refers to anything “card not present” or “non face-to-face.” MOTO also refers to internet processing as well. Since cards are not actually being swiped in a credit card machine, the rates and fees associated are higher then what are charged for retail or “card present” transactions. Keep in mind, MOTO can also refer to retail merchants who “key” in credit card information using their credit card machine rather than “swiping” the card through the machine.
With a MOTO account you can process orders through equipment and software:

  1. Credit Card Terminal – You can process your “keyed” transactions through a variety of terminals depending on your specific needs. In certain instances we provide FREE terminals. Call for more details, 866.857.8786.
  2. Virtual Terminal – This method allows you to process transactions manually by logging into a secure website from any computer connected to the Internet.

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INTERNET ACCOUNT

To compete in today’s market you have to do business online. Accepting credit cards online can dramatically increase sales and give your business the boost it needs to succeed. With same day approvals, 24 hour customer service, personalized account reps, and industry leading rates, 365 Glacier Payments is the only ecommerce merchant processing solution you’ll need.
Accepting credit cards on-line can be a confusing subject. Let’s take a look at two ways you can process transactions on-line:

  • Web Based Transactions (Real-Time): This method allows you to automatically process credit card transactions from your website without your involvement. The customer comes to your website, enters their information through a secure order form and submits the order. The transaction is automatically sent to the bank for processing and the money is then deposited into your bank account within 2 to 3 business days. If you need true, “hands-free” operation of your web business then using Real-Time is your method. NOTE: There are different ways to set this up depending on the required functionality. We have FREE 3rd party shopping carts you can integrate with or we can provide you the necessary API to integrate custom carts. Regardless of you requirements we have a solution that meets your needs!  Call us today 866.857.8786!
  • Virtual Terminal: This method is included with an Internet account and allows you to process transactions manually by logging into a secure website from any computer connected to the Internet. This is a great solution to use in ADDITION to Real-Time processing, especially if your business is on-line OR if you simply need to process credit cards and don’t want to use a traditional terminal. It’s great for processing orders you receive by phone, mail, or fax. It also makes a great mobile processing solution if you hook it up to your laptop. To work this solution, all you need to do is login to the secure Virtual Terminal that your merchant account provider directs you to. You then enter in a username and password. Afterwards, you enter your customer’s credit card information and submit the order for processing by the bank. The money is then deposited into your bank account with 2 to 3business days. Call us today 866.857.8786!

WIRELESS ACCOUNT

“Wireless” or “Mobile” merchants need to accept and authorize cards wherever they are located, which is usually on the road. Using a portable wireless terminal, these merchants process on-site, real-time transactions at their customers’ locations.

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Payment Gateway

365 Glacier Payments provides online site owners with a low-cost, all-in-one online merchant account and gateway solution. Accept credit cards for payment directly on your site, then have those funds placed directly into your bank account!

Standard Gateway Features Include:

Virtual Terminal

All Gateway accounts include a virtual terminal that allows merchants to authorize, process and manage credit card transactions manually from any computer that has an internet connection and a web browser.

Recurring Billing

Merchants can bill their customers daily, weekly or monthly for as many payments as required.

Patent Pending Advanced Transaction Routing / Load Balancing

Easily distribute capped, product specific or high-risk account transactions between multiple processors for a single merchant through a single gateway.

Reporting

  • Report Level 1: Snap Shot Summary provides transaction summary overviews.
  • Report Level 2: Search Transaction provides detailed transaction information as based on multiple search types and fields.
  • Reporting functions include searchable standard default and client created custom fields.

First Call Problem Resolution

The 365 Glacier Payments help desk is staffed with our software design engineers and programmers providing unsurpassed help desk support and first-call problem resolution.

Enhanced Gateway Features Include:

Virtual Terminal

All Gateway accounts include a virtual terminal that allows merchants to authorize, process and manage credit card transactions manually from any computer that has an internet connection and a web browser.

Recurring Billing

Merchants can bill their customers daily, weekly or monthly for as many payments as required.

Patent Pending Advanced Transaction Routing / Load Balancing

Easily distribute capped, product specific or high-risk account transactions between multiple processors for a single merchant through a single gateway.

Reporting

  • Report Level 1: Snap Shot Summary provides transaction summary overviews.
  • Report Level 2: Search Transaction provides detailed transaction information as based on multiple search types and fields.
  • Reporting functions include searchable standard default and client created custom fields.

First Call Problem Resolution

The 365 Glacier Payments help desk is staffed with our software design engineers and programmers providing unsurpassed help desk support and first-call problem resolution.

Enhanced Gateway Features Include:

Electronic Check

365 Glacier Payments Electronic Check is a payment solution that enables online and traditional merchants to accept and process electronic check payments directly from their website’s storefront or through the virtual terminal. By accepting electronic checks, merchants are able to expand the payment options available to their customers and increase sales.

Customer Vault

The Customer Vault allows merchants to store customer credit card and ACH information in the Level 1 PCI certified data facility. Once the customer record has been securely transmitted to the Customer Vault, the merchant can then initiate transactions remotely without having to access cardholder information directly.

Furthermore, using the Redirect Method in conjunction with the Customer Vault allows merchants to process transactions without transmitting any payment information through their web application. This unique approach provides best of class application flexibility without any PCI compliancy concerns.

iSpyFraud Protection

Provide additional value to your clients while increasing your revenue through iSpyFraud. ISpyFraud provides custom strategies to identify the difference between legitimate shoppers and fraudulent shoplifters. It is the only solution that provides strategy management and customer service tools to help merchants save legitimate transactions that appear risky, as well as set policies for accepting and rejecting transactions.

Cardholder Authentication Card Programs
Verify By Visa and MasterCard SecureCode

In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a simple-to-use service that confirms your customer’s identity with an extra password when the client conducts an online transaction. Help PREVENT fraud BEFORE it happens.

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Electronic Checks and ACH Processing

365 Glacier Payments ACH processing is our new & improved web-based ACH processing tool designed for small and medium-sized businesses. It facilitates the electronic transfer of an authorized payment from a consumer’s checking or savings account to the business’ bank account.

365 Glacier Payments ACH processing allows your business to automate the collection and payment process for single and recurring transactions electronically in a safe, secure, accurate, cost efficient, and timely manner. It eliminates late payments, handling of paper, trips to the bank, and offers multiple payment schedules to your customers.

The Recurring Debit/Credit Process:

  • The customer authorizes you in writing to debit payments from a checking or savings account, and provides you with the void check/bank account information.
  • You enter the client information, transaction details, payment frequency and scheduling information in 365 Glacier Payments Merchants ACH processing.
  • On the pre-determined date, depending on if you choose automatic or manual authorization, 365 Glacier Payments Merchants ACH processing will submit your transaction directly for processing through the ACH system.
  • On the settlement date, your customer’s account is debited (or credited) and your business account is credited (or debited) for the payment.
  • The details of the transaction are reflected on your customer’s monthly bank statement.

Features:

  • Fast, Easy, & Secure Web-Based Platform
  • 24/7 Online Access & Transaction Management
  • Processes Debit and Credit Transactions
  • Handles One-Time or Recurring Payments
  • Electronic Check Re-Presentment (RCK) & Tracking
  • Merchant Controlled Frequency & Timing of Payments
  • Over 10 Payment Scheduling Options (Weekly, Bi-weekly, Monthly, etc.)
  • Four Highly Customizable & Downloadable Reports
  • Unmatched Technical Training & Round-the-Clock Support
  • No Hardware/Software Requirements
  • Tracks Customer Issues & Supports Multiple Locations
  • Tiered Level Access for Multiple Users

Benefits:

  • Improves Cash Flow & Reduces Risk
  • 48 to 72 Hours Settlement
  • Safe, Convenient, & Accessible from Anywhere
  • Automates Future Payments & Re-Submission Process
  • No More Invoicing or Bank Trips
  • Eliminates Check Handling & Returned Item Fees
  • Increases Customer Retention
  • Saves Precious Time

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Gift and Loyalty Cards

Let 365 Glacier Payments show you how easy it is to have your own gift card program and begin selling in as little as 72 hours! Start making money today with our turnkey gift card program. We give you everything you need to get started! Design your very own custom card or select a semi-custom design personalized with your company name.

The Power of the Card

  • Boosts prepaid gift sales
  • Simplifies transaction and management reporting
  • Automates electronic funds transfers between stores
  • Generates brand awareness and promotional opportunities
  • Creates destination vs. impulse purchases
  • Rids merchant of paper-based fraud
  • Eliminates “cash-back”

Semi-Custom Gift Cards

  • Gain all the benefits of an electronic gift card without the extra costs of custom artwork
  • Several designs of cards, holders, and hangers are ready to be shipped to your door
  • Create a package to suit your business needs
  • All for one low flat monthly fee

Custom Cards

Whether you need 500 cards or 50,000 cards, we create the appropriate solution for you and your business!

  • Either you can provide us with custom artwork in one of our approved formats or we can do it for you and create high quality gift cards customized with your own logo and design.
  • Your custom card becomes an attractive gift as well as a unique marketing piece, a miniature advertising billboard in the wallet of your customer!
  • Custom cardholders, hangers, and acrylic displays are also available to complement your gift card presentation.

Loyalty Cards

Increase Sales and Consumer Loyalty!

  • Create incentives for consumer loyalty and repeat shopping
  • Transfer loyalty rewards points to gift card stored value
  • Track points, purchases, or visits
  • Reward loyal customers with a percentage discount or stated offer
  • Available in both “Semi-Custom” and “Custom” card programs

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Merchant Cash Advance

365 Glacier Payments cash advance program is geared toward providing merchants the ability to leverage their future credit card and debit card receivables in order to get an infusion of cash.

You can use this cash to:

  • Expand your business or add additional locations
  • Increase your product line, add seasonal merchandise, meet unexpected expenses
  • Purchase new equipment
  • Advertise and promote your business with new marketing programs
  • Buy out a partner
  • Perform renovations

It is simple to qualify for a Merchant Cash Advance (MCA) from 365 Glacier Payments:

  1. Demonstrate a minimum monthly credit card volume of $5,000
  2. Provide us with:
    • 3 months of previous processing statements
    • 3 months of business banking statements
    • Voided business check
    • Copy of your Photo ID

The benefits of an MCA from 365 Glacier Payments include:

  • No fixed payments
  • No fixed timeframe
  • No personal collateral is needed
  • Completely automated
  • We get paid when you get paid

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Franchisor Information

Thank you for visiting, you’ve already taken an important first step to ensure ALL the needs of your franchisee partners are met.  Since our inception in 2001, we’ve been providing business services to clients including credit card processing, internet gateway services, echeck, ACH/Telecheck, merchant cash advance, wireless processing, and more.  We offer extremely competitive rates, best-in-class customer service and treat our clients like family.

If given the opportunity, we can provide YOUR franchisees with low cost pricing on the fees they pay to accept credit cards that they would not see otherwise. That’s right, we will create a low cost custom pricing program for you to include as part of your package. Our past experience has shown that they will view this is a huge value-added service because merchant fees are often times one of their biggest expenses each month.

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Equipment

Credit card processing relies heavily on technology and the right processing equipment to ensure that transactions are handled swiftly, securely and accurately. 365 Glacier Payments®works closely with all its clients to help them choose the credit card machines and credit card processing software that best meet their specific needs. To meet the needs of ALL our clients, we have a broad range of products including standard credit card terminals, wireless terminals, mobile payment solutions, Internet Gateway, POS system and more.li

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