Payment Processors

ACH and e-Check Processing

To get ACH and e-Check processing services from your merchant service provider, you will have to put in an application that will require much the same information as was required when you applied to accept credit card payments. This will include all your business details, your Federal Tax ID and your estimated processing volumes. This…

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Credit Card Interchange Fees

As a customer or a business person, you only see the surface level of credit card transactions. The customer swipes a card and the product or service gets paid for. What we don’t see is the intricate exchanges involved. The money starts at the customer’s bank account, passes through a payment processor, and ends up…

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What is a Payment Processor, Exactly?

When you’re running a business, your primary goal is to make a profit. And in order to earn these proceeds, you need to receive payments from your customers. At the most basic level, customers pay for your goods and services in cash. One step above that is the card or check payment, and more recently,…

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What is a Merchant Account Service and Why Should I Use it?

A merchant account service offers merchants, or businesses, a link between credit card holders and an acceptor, a bank, who in turn links all the aforementioned to payment brands, or credit card providers like American Express, Discover, MasterCard and Visa. This process is all controlled by strict agreements and regulated by laws and compliance regulations…

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What is a Payment Gateway?

What is a payment gateway, and why does an online store need one? A payment gateway is a secure service provided by a merchant card processing service that allows your online shop to accept credit card payments via your website. This will almost certainly increase your sales because the software runs 24 hours a day…

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Charge.com Keeps Colorado Merchants on Cloud Nine

High above the rest of the Lower 48 floats the beautiful state of Colorado. It is home to almost half of the majestic Rocky Mountain Range which contain some of the tallest summits in the western half of the contiguous United States, including the indomitable Mount Elbert, Pikes Peak, and Longs Peak. Nature is not…

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