Credit Card Processing Americus GA

Accepting your customers credit cards is more complicated then it looks. With so many different banks around Americus and third party merchant providers offering credit card processing solutions it helps to have a concise overview of the various transaction fees, discount rates and technologies to consider.


1 . Local Companies

Security Finance Corp
(229) 928-0967
125 E Forsyth St
Americus, GA
Greene Finance Co
(229) 924-8164
128 N Jackson St Ste B
Americus, GA
Southwest Georgia Farm Credit
(229) 924-6025
1037 E Forsyth St
Americus, GA
First Franklin Financial Corp
(229) 776-7601
627 E Franklin St
Sylvester, GA
Riverdale Finance & Tax Inc
(770) 996-8119
6463 Church St
Riverdale, GA
Autopro Title Pawn
(770) 386-2020
2 N Tennessee St
Cartersville, GA
Financial Federal Credit Inc
(770) 384-8676
303 Westbriar Way
Woodstock, GA
Holland Mortgage Corporation
(770) 387-0671
316 N Tennessee St
Cartersville, GA
Beneficial Georgia Inc
(770) 469-8334
5170 Stone Mountain Hwy
Stone Mountain, GA
Cheely Motor Co
(404) 363-6707
6147 Old Dixie Hwy
Forest Park, GA

2 . Credit Card Processing - Info


Whether you conduct business online, offline in Americus or both you will at some point consider accepting credit card payments from your customers. The decision to allow credit card payments may be a simple one; however, selecting a merchant account provider is complicated and can have a real impact on your business not to mention your bottom line. Unfortunately, not all merchant accounts are alike. You’ll soon learn that providers have different approaches to rates, fees, limits, not to mention customer service – and finding the right match for your business is critical. The remainder of this guide will break down the process and key considerations to enable you to find the right solution.

3 . How Credit Card Processing Works

How Credit Card Processing Works
Without getting too detailed and caught up in all the possible exceptions, here’s what happens when a credit card is processed:

1. Merchant processes card with a point of sale unit or via software if online.

2. Data is transmitted (card info, sales amount) to the “acquiring” bank.

3. Acquiring bank requests authorization from the “card-issuing” bank.

4. If accepted, acquiring bank processes the transaction and sends approval back to the merchant.

5. The merchant reviews the transactions and transmits confirmation to acquiring bank for deposit.

6. Acquiring bank then requests and receives funds from the card-issuing bank.

7. Acquiring bank then deposits funds into the merchant’s account.

4 . Basic Fees


Needless to say, all parties involved in this process benefit (take a cut). Here are the primary fees to consider:

  • Set-up fee – one time fee for getting started
  • Transaction fee – merchant pays a fee for every transaction
  • Discount rate – flat % charged to merchant for every transaction
  • Chargeback rate – rate of monthly sales “held” in reserve to offset any fraudulent transactions
  • Chargeback fee – there is often a fee for charge-backs
  • 5 . Featured Local Company

    Merchant Warehouse

    866-599-3217
    Columbus, GA


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