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Credit Card Processing Idaho

Accepting your customers credit cards is more complicated then it looks. With so many different banks around Idaho 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
2. Credit Card Processing - Info
3. How Credit Card Processing Works
4. Basic Fees
5. Featured Local Company

1. Local Companies

Process For Less
866-560-9373
3761 S Peoria Way
Meridian, ID
Merchant Warehouse
866-599-3217
Boise City, ID
Northwest Solutions
(208) 777-2103
1769 N Cecil Rd
Post Falls, ID
Merchant Services
(208) 467-9644
1224 1st St S
Nampa, ID
Advantage Merchant Services
(208) 658-1833
6485 W Interchange Ln
Boise, ID
Ivan Financial
(208) 354-4774
76 N Main St
Driggs, ID
Northwest Bancard Solutions Llc
(208) 777-2103
Post Falls, ID
Itex of Magic Valley Inc
(208) 733-5666
506 Addison Ave W
Twin Falls, ID


2. Credit Card Processing - Info


Whether you conduct business online, offline in Idaho 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

    Process For Less

    $0 Set Up Fee $0 Equipment - A $700.00 Value Call 866-560-9373

    866-560-9373
    3761 S Peoria Way
    Meridian, ID
    www.processforless.biz

    Process For Less and PayJunction are proud to announce the Trinity System, the 2nd generation of credit card processing technology. Finally, one product that allows you to accept credit card payments:

    1. In your office
    2. Through your website
    3. On the go...wirelessly

    Features include: processing in office point of sale credit card payments, accepting credit cards through online e-commerce transactions, as well as processing wireless transactions on the go via your Palm PDA or cell phone. PayJunction has harnessed the power of the Internet to make credit card processing just plain easier.

    Read more about Credit Card Processing

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