Merchant Service

We are an organization founded on servicing the ever-changing needs of the merchant bankcard marketplace, which includes merchant accounts, payment processing, check services, gift cards, loyalty card programs, credit card processing and processing equipment.  Through the combination of state-of-the-art bankcard technology and years of experience in the credit card processing industry, we bring to the market programs unmatched in pricing, service, payment processing and customer support! We pride ourselves on our world class 24 hour a day, 7 days a week customer service. We didn't just raise the bar for customer service in this industry—we set the bar!

Our merchant accounts benefit not only from the expertise of our staff but from the opportunity to draw from the knowledge and experience of the industry's best.

Our client-merchant base includes: retailers, wholesalers, mail order/telephone orders, mobile, and E-commerce businesses. By servicing all business models, we able to custom-tailor a program best suited for your specific business needs. To find out how our services can assist you in payment processing services, accepting credit cards, and setting up your merchant account, contact us today.

We'll earn your business with our prices, but keep you with our service!

 

What is EMV?

EMV stands for Europay, MasterCard, and Visa. EMV chips are also called SmartCards or Chip Cards. The card looks just like the cards we are used to today, however a small microchip or “Chip” is embedded. It’s a more secure way of accepting payment.

A New Way to Accept Cards

The card instead of being swiped, is inserted (or dipped), and the card is read by the impression of the chip. Now the reader and the card can have a 2 way communication to ensure an authentic transaction takes place.

Summary

In simplicity, it’s an embedded microchip in each card that will be used instead of the magnetic stripe we all know so well. The goal is to protect against fraudulent transactions.

Why EMV?

In early 2012 Visa, MasterCard, Discover, and American Express all announced their EMV migration plans for the US. Since that announcement, many card issuers and banks moved forward in creating cards with EMV technology.

EMV will carry a “Liability Shift” to the merchant in the case the transaction takes place from a non EMV environment. Merchants will be responsible for fraud transactions once the “Liability Shift” takes place. See dates set below:

  • American Express point of sale terminals – October, 2015:

    • Pay at the Pump (Gas Stations) – October, 2017.

  • Discover – October 2015:

    • Pay at the Pump (Gas Stations) – October, 2017.

  • Maestro – April 2013 (for international cards used in the United States)

  • MasterCard point of sale terminals – October, 2015

    • Pay at the Pump (Gas Stations) – October, 2017.

    • ATMs – October 2016.

  • Visa point of sale terminals – October, 2015

    • Pay at the Pump (Gas Stations) – October, 2017.

    • ATMs – October 2017.

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