Internet Credit Card Processing – Frequently Asked Questions

Merchant Basics

Who can use Transaction Express®?

Do I need credit card processing software or terminals?

How do I know the payment processing is secure?

Can Transaction Express integrate with my site?

Will Transaction Express work with my shopping cart software?

Can this service process many transactions at one time?

Can I do recurring billing with Transaction Express?

When and how do the batches get settled?

When is money deposited into my account?

How do I order Transaction Express?

How do I get help?

Who can use Transaction Express®?

Any business with a computer, Internet access and an active merchant account from TransFirst® can use Transaction Express. If you don’t have a merchant account yet, fill out the online merchant account application to get started.

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Do I need credit card processing software or terminals?

TransFirst 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.

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How do I know the payment processing is secure?

TransFirst prides itself on being first in secure electronic payments, so we’re committed to keeping you and your customers safe from the very real threats of credit card fraud and identity theft. We stay current and compliant with all payment card industry (PCI) regulations with PCI compliant hardware and software. We also work with our merchants to achieve and maintain PCI compliance for secure payment processing.

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Can Transaction Express integrate with my site?

Transaction Express processes retail card-present transactions either through its virtual terminal or through a custom integration using its web services, helping to reduce costs associated with maintaining traditional POS hardware or software. So you don’t need to buy additional software, a point-of-sale terminal or any special equipment to experience real-time transaction processing.

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Will Transaction Express work with my shopping cart software?

Transaction Express enables virtual shopping cart integration with Shopsite, SEO Cart, Zen Cart and osCommerce.

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Can this service process many transactions at one time?

Transaction Express can process an unlimited number of credit card transactions simultaneously.

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Can I do recurring billing with Transaction Express? 

Definitely! Transaction Express can facilitate recurring billing. Recurring payments is a useful feature with multiple applications: Memberships that require dues, subscriptions that need to be renewed and utility payments, to name just a few. Any merchant or business that would like to charge the same amount to the same payment card on a regular basis can do so with automated recurring billing.

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When and how do the batches get settled?

TransFirst offers clients an auto-batch close service that automatically settles their transactions at the same time every day. If there are no transactions pending in the batch, it is not closed and no batch fee is generated or charged. Batch processing can also be set up for automated recurring billing — including monthly subscription or membership fees — by uploading a file containing all of your customers’ transaction information for billing.

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When is money deposited into my account?

When it’s time to settle (or close) the batch, the merchant transmits all the authorization codes to their credit card processor, who sorts and forwards them on to the appropriate issuing banks. The banks release the funds to the processor, who deposits them into the merchant’s bank account. This step is typically completed within 48 hours of the transaction.

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How do I order Transaction Express? 

If you don’t have a merchant account yet, please fill out the online merchant account application and you will be on your way.

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How do I get help?

Once you have signed up, support is available through Merchant Support.

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