How Does Credit Card Processing Work?
Understanding all of the working parts involved in
processing a credit card transaction
Credit Card Network
Gateway Core Features
Swipe cards or key in payment details over the phone or through the mail order from a browser.
Quickly and easily integrate a website to the gateway with QuickClick, our native shopping cart solution.
Get detailed insight into transactions and use the Transaction Search tool to find exactly what you’re looking for.
Automatically determine which MIDs to route transactions to based on active routing directives using a single gateway account.
Upload files to the platform and process large volumes of transactions all at once.
Enter and manage product SKUs and keep inventory organized with our unified product database.
Access over 165+ processor integrations and a growing list of 175+ shopping cart integrations.
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.
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.
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
Validate the cardholder is actually the shopper, prevent fraud and protect against unauthorized transactions.
Ensure uninterrupted payments, particularly those with recurring payments, by seamlessly updating card-on-file account information.
Outsmart fraudsters with iSpyFraud, our rules-based fraud prevention tool, to screen suspicious transaction activity and stay one step ahead of fraud.
Invoice customers right in their inbox and enable them to submit payment with just a few clicks.
Process transactions, create appropriate accounting entries or mark transactions as paid right within the QuickBooks® environment using our SyncPay tool.
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.
Start accepting in-store payments with our lightweight SwIPe point-of-sale application along with the compatible EMV certified card readers.
Accept EMV card payments on a phone or tablet with our iProcess turnkey mobile applications for Apple and Android devices.
Accept and process electronic check payments directly from your online storefront or through the Virtual Terminal.
Become and stay PCI compliant with, CertifyPCI, our web-based assessment.