Take your business online
With the advancement of the web, it's now possible for merchants to create virtual online stores. Many of our clients have expanded their selling opportunities to include e-commerce as part of their business model. CardChoice International offers many options to securely accept payments from your customers.
What you can do
- Accept and process credit card payments in real time
- Accept all major credit cards on your website
- Process credit card transactions from offline orders
- Issue credits
- Void transactions
- View your list of transactions online
- Choose from multiple gateway options
How internet credit card processing works
- The online customer finds your website and adds products to their shopping cart. When they're ready to check out, they enter their billing information.
- If the merchant doesn't have a secure page, the customer is transferred to a secure payment gateway where they enter billing information into a secure form. If the merchant has a secure site, the information is "passed" to the payment gateway without the customer leaving the merchant's site.
- Once at the payment gateway, the information is transmitted to the processor.
- The processor passes the information to the bank that issued the credit card. The issuing bank verifies the card and the available amount, then sets aside the purchase amount.
- The issuing bank sends back an approval number or decline message to the processor.
- The information is passed back to the payment gateway. The whole process takes 6–12 seconds.
- The payment gateway returns the approval code to the merchant's site. The merchant can also choose to email the customer a payment receipt.
- At end of day, the payment gateway settles all of the day's transactions. Settlement initiates the funds transfer from the issuing bank to your checking account.
Get a quote or call 866.350.3200 for more about our e-commerce solutions.
