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Credit Card Processing North Carolina

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

North American Bancard
828-279-7914
800-E Fairview Rd.
Asheville, NC
Merchant Warehouse
866-599-3217
Durham, NC
Merchant Warehouse
866-599-3217
Charlotte, NC
Atlantic Merchant Services, LLC
(704) 221-1029
3507 Romany Drive
Monroe, NC
Merchant Warehouse
866-599-3217
Greensboro, NC
Merchant Warehouse
866-599-3217
Cary, NC
Merchant Warehouse
866-599-3217
Raleigh, NC
Telecheck
(704) 540-2868 Ext:3642
6701 Carmel Road Suite 302
Charlotte, NC
First Data
(704) 616-0468
110 Back Street
Belmont, NC
Merchant Warehouse
866-599-3217
Winston-Salem, NC


2. Credit Card Processing - Info


Whether you conduct business online, offline in North Carolina 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
    Charlotte, NC

    Read more about Credit Card Processing

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