Credit Card Processing Blairsville GA

Accepting your customers credit cards is more complicated then it looks. With so many different banks around Blairsville 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

1st Franklin Financial
(706) 745-6111
342 Blue Ridge St Ste L
Blairsville, GA
Primerica
(706) 781-1678
74 Town Sq
Blairsville, GA
Nationwide Financial Net
(770) 395-7559
990 Hammond Dr NE
Atlanta, GA
1st Franklin Financial
(912) 739-3037
419 N Duval St
Claxton, GA
The Money Tree of Georgia Inc
(706) 235-4368
2204 Shorter Ave NW
Rome, GA
1st Franklin Financial
(229) 896-7421
409 E 4th St
Adel, GA
Title Exchange & Pawn of Lagrange Inc
(706) 845-8058
519 New Franklin Rd
Lagrange, GA
World Finance Corp
(770) 760-9909
2445 Salem Rd SE
Conyers, GA
Southern Finance and Tax Service
(678) 407-1741
155 Gwinnett Dr
Lawrenceville, GA
Republic Finance
(706) 864-3718
989 Grove St N Ste D
Dahlonega, GA

2 . Credit Card Processing - Info


Whether you conduct business online, offline in Blairsville 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

    Paynet Systems, Inc.

    1-800-809-1989
    Paynet Systems, Inc.
    Alpharetta, GA


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