How Does Credit Card Processing Work?
Understanding all of the working parts involved in
processing a credit card transaction
Cardholder
Merchant Gateway/Terminal
Payment Processor
Issuing Bank
Credit Card Network
Merchant's Bank
Gateway Core Features
Virtual
Terminal
Terminal
Swipe cards or key in payment details over the phone or through the mail order from a browser.
QuickClick
Shopping Cart
Shopping Cart
Quickly and easily integrate a website to the gateway with QuickClick, our native shopping cart solution.
Reporting
Capabilities
Capabilities
Get detailed insight into transactions and use the Transaction Search tool to find exactly what you’re looking for.
Transaction
Routing
Routing
Automatically determine which MIDs to route transactions to based on active routing directives using a single gateway account.
Batch
Processing
Processing
Upload files to the platform and process large volumes of transactions all at once.
Product
Manager
Manager
Enter and manage product SKUs and keep inventory organized with our unified product database.
Third-Party
Integrations
Integrations
Access over 165+ processor integrations and a growing list of 175+ shopping cart integrations.
Recurring
Billing
Billing
Bill customers on a regular basis by establishing a recurring billing schedule.
Flexible Integration Methods
Full customization and control over accepting payments within your own mobile applications and software with our diverse APIs and SDKs.
Gateway
Emulator
Emulator
Easily migrate from other gateways without having to rework or reprogram software or applications.
Multiple MID Capabilities
Board and manage multiple MIDs on a single gateway account, consolidate reporting, manage branches, organize products and more.
Tokenization
Reuse tokenization cardholder data from previous transactions without having to store or secure it. The token can be used for subsequent transactions without the cardholder data being re-entered.
Value Added Services
Payer
Authentication
Authentication
Validate the cardholder is actually the shopper, prevent fraud and protect against unauthorized transactions.
Account
Updater
Updater
Ensure uninterrupted payments, particularly those with recurring payments, by seamlessly updating card-on-file account information.
Fraud
Prevention
Prevention
Outsmart fraudsters with iSpyFraud, our rules-based fraud prevention tool, to screen suspicious transaction activity and stay one step ahead of fraud.
Electronic
Invoicing
Invoicing
Invoice customers right in their inbox and enable them to submit payment with just a few clicks.
QuickBooks®
Plug-In
Plug-In
Process transactions, create appropriate accounting entries or mark transactions as paid right within the QuickBooks® environment using our SyncPay tool.
Level III
Processing
Processing
Process payments with extended transaction data and pass on the enhanced data to the payment processor, giving you the best chance to qualify for optimal interchange rates.
In-Store
Application
Application
Start accepting in-store payments with our lightweight SwIPe point-of-sale application along with the compatible EMV certified card readers.
Mobile
Applications
Applications
Accept EMV card payments on a phone or tablet with our iProcess turnkey mobile applications for Apple and Android devices.
Electronic
Check
Check
Accept and process electronic check payments directly from your online storefront or through the Virtual Terminal.
PCI
Compliance
Compliance
Become and stay PCI compliant with, CertifyPCI, our web-based assessment.
