Accept Credit Cards at Your Business


When you’re ready to start accepting credit cards at your business but you’re not quite sure how to get started, TransFirst® can help. We know it’s a major step forward for your business, and that you want to get it right the first time. You deserve the best merchant services  deal available — one that’s tailored to your specific requirements and fits into your budget.

TransFirst’s years of experience in the credit card processing industry makes us uniquely qualified to guide you in your quest. Let’s begin with some need-to-know information about how to accept credit cards.

The Merchant Account

A merchant account  is the basic requirement for accepting credit cards. You probably have already established one or more bank accounts for your business, but your merchant account is set up solely to accept credit card payments.

Establishing a merchant account requires choosing a reputable credit card processing company like TransFirst to handle your transactions. We can help you determine — based on the types of credit card transactions you want to process — which of the two basic types of merchant accounts you need: card present (face to face) and card not present (CNP).

Card present transactions are typical in traditional retail environments. Both the cardholder and the payment card are physically present, and payment is transacted when the cardholder or merchant swipes the card through a magnetic reader on a countertop terminal.

CNP transactions apply in cases where sales transpire remotely — online, by mail order/telephone order (MOTO) or any other instance where the cardholder and card are not physically present. The cardholder’s information, including the account number, is entered into the system manually. 

Diversified businesses that deal in both card present and card-not-present transactions typically require merchant accounts for each type.

Credit Card Processing Options

There was a time when all credit card transactions were of the card-present variety, and virtually all of them were completed using a primitive manual imprinter and a multi-page carbon receipt. Fortunately, times have changed.

Today, thanks to modern technology, merchants have numerous credit card processing options to choose from, some of which may be very familiar and others more high tech. Whatever method you choose, you can count on it to get the job done quickly and securely.

Point of Sale (POS) Terminal

The POS terminal is most often used in retail credit card processing, making it the most common method for accepting credit cards in face-to-face sales. You probably saw or used a POS terminal the last time you went shopping in a brick-and-mortar store. 

Online Credit Card Processing

Internet processing is the most common option for CNP transactions, and is especially popular with e-commerce merchants. It enables you to process transactions wherever you have an Internet connection by transforming your PC or laptop into a virtual terminal. TransFirst’s proprietary payment gateway, which includes a virtual terminal, is called Transaction Express®.

Mobile Credit Card Processing

ProcessNow®, powered by TransFirst, is a solution that can help businesses grow and succeed by using tablet and app-based solutions to accept all major credit and debit cards, manage time and inventory, create reports and more. Free to download, easy to customize, ProcessNow Register and ProcessNow Mobile apps include features that grow as your business grows. 

Wireless Processing

Mobile merchants and service providers who do business primarily in the field are the biggest beneficiaries of wireless credit card processing. It’s powered by software that processes payments from a portable terminal that uses a secure wireless network to connect to the processor.

Telephone Processing

MOTO merchants who deal in mail order or telephone order transactions may find that telephone credit card processing is their most efficient and affordable option. TransFirst recommends this solution for low-volume businesses who want to keep their equipment expenses to a minimum. 

Get Started Today

Now that you understand the basics of a merchant account  and how to accept credit cards, it’s time to put that knowledge to work for your business.

TransFirst representatives are available to answer your questions and help you identify the processing solutions that meet all your requirements. Complete the form at the top of this page or call the toll-free number provided to discover for yourself the value of accepting credit cards with TransFirst.

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©2017 Total System Services, Inc. TSYS® is a federally registered service mark of Total System Services, Inc. All rights reserved. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA, and First National Bank of Omaha, Omaha, NE. TSYS Business Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY for Visa and Mastercard transactions only.

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