The Past and Future in Payment Processing Collide in San Jose

San Jose is a city standing with one foot in the past and the other in the high-tech future. It began as a Spanish colonial town, and is now a Silicon Valley hub with a thriving population of over 1 million. Each year, millions more come to the largest city in the Bay Area and marvel at the contrast. The visitors stroll through the historic streets of Japantown, and wander about the rooms in the eccentric Winchester Mystery Mansion. They tour the precious and ancient artifacts displayed in the Rosicrucian Egyptian Museum, and take in the religious icons at the Cathedral Basilica of Saint Joseph. Then they visit the Lick Observatory to see what is beyond our skies, and explore the history of Silicon Valley’s origins at the Tech Museum of Innovation. It is also true that no matter where tourists go in the city, they can always find good cell phone reception. Yes, tech has taken over the Bay Area, and improved many things – including the merchants’ payment processing services.

Before the tech boom, merchants could really only take paper remittances like checks, cash, and money orders. Times have changed, though, and most people do not carry these forms of payment with them anymore. Now, folks only carry plastic with them instead, and avoid doing business with vendors that do not accept credit cards. It has become imperative that San Jose merchants are able to do online credit card processing, or they will lose out to their competition. Getting the merchant accounts necessary to accept credit cards, however, can prove to be very tricky. The merchants have to apply with various payment processors for these accounts, but processors do not like to just hand them out. The processors tell the merchants they have been granted accounts, but in reality, the processors are just running all the payments through their own merchant account and charging extra fees for it. Keeping the merchants on their accounts as third-party users also allows the processors to withhold funds from them for indeterminate periods of time with no warning.

This is where Charge.com comes in. Charge.com is credit card processing company that has been in the industry for over 20 years, seen the changing faces of payment options, and decided to provide its customers with the latest in payment processing methods. There is no application fee for an online merchant account, and there are plenty available for both high and low risk businesses. Once a business has been approved for a merchant service account, the owners can begin processing all their payments within 24-48 hours using the latest technology and software provided by Charge.com. If any problems arise with a merchant’s set up or credit card swipe machine, expert staff is standing by 24/7/365 to provide technical assistance. All payment transactions are processed in real-time, and at extremely affordable rates, too. Customers pay as little as $0.15 per transaction and as low as 0.25% for credit card processing.

The future is here. Paper payments are part of the past. Charge.com is ready to help The Capital of Silicon Valley make that transition today.