Credit Card Processing Clarkston GA

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

First American Payment Systems
404.350.6565 ext. 119
729 Lambert Drive
Atlanta, GA
Merchant Warehouse
866-599-3217
Atlanta, GA
Merchant Services
(770) 984-2308
2759 Delk Rd SE
Marietta, GA
Termnet Merchant Services Inc
(770) 431-3000
2727 Paces Ferry Rd SE
Atlanta, GA
Netcom Merchant Services
(770) 649-1225
980 Canton St
Roswell, GA
Processing Solutions
(770) 447-0500
3200 Cobb Galleria Pkwy
Atlanta, GA
American Benefits Company
(678) 581-1114
400 Lockheed Ave SE
Marietta, GA
Atlanta Check Cashers
(678) 407-4000
1000 Hurricane Shoals Rd
Lawrenceville, GA
Globocash Inc
(678) 305-0122
1800 Lake Park Dr SE
Smyrna, GA
Cardswipe
(404) 627-8471
112 Claire Dr SE
Atlanta, GA


2. Credit Card Processing - Info


Whether you conduct business online, offline in Clarkston 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

    First American Payment Systems

    404.350.6565 ext. 119
    729 Lambert Drive
    Atlanta, GA
    www.first-american.net

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