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We Give To Many of The Neediest Charities


  • American Heart Association
  • Autism Speaks
  • Cancer Research Institute, Inc.
  • ChildFund International
  • Feeding America
  • Kids With Food Allergies, Inc.
  • Meals On Wheels
  • National Breast Cancer Coalition Fund
  • Orphan Foundation of America
  • Red Cross
  • Save A Forgotten Equine
  • Save The Children USA
  • Smile Train
  • St. Judes Childrens Research Hospital
  • United Way





What is the 20% to charities concept? is honored to be the first credit card processing company to donate 20% of its gross revenue to charity. That means gives 20% of its income to charity right off the top.

When we share 20% of our revenue stream with charities, you 're clients understand something important about your business — you care!

You receive our official Charity Merchant logo that promotes the 20% concept. You can put the logo up in your business for all of your clients to see. Please visit our about us page to get the logo for your website and ask your sales representative to get a free Charity Merchant sticker for your store.

Why do I need to accept Credit Cards?

If you are doing business face to face, accepting credit card processing has become a necessity. Whether you have a store, restaurant or kiosk, can help your business set up a merchant account and accept credit cards for less money than you ever thought possible.

This new technology has allowed the benefits of security and additional sales to merchants who previously had to handle cash or take the risk of accepting checks. As a bonus, wireless credit card processing is typically faster than traditional land line processing. And, since wireless terminals work off of the reliable Verizon and AT&T/Cingular networks, merchants can process secure transactions virtually anywhere in the country. has a complete line of solutions for mobile merchants or any businesses that wants the added flexibility and opportunity wireless credit card processing offers. Whether you own a small pizza delivery shop or a large concert vending service, has a wireless credit card processing and merchant account solution for your business.

You will find useful information in the links to the left that will help you set up a merchant account and get started doing wireless credit card processing. As always, if you have further questions feel free to call us at the number above.

How Does A Credit Card Merchant Account Transaction Work?

  1. The merchant slides the customer's card through the credit card terminal and enters the sale amount. The terminal then connects to's processor for authorization.
  2. The processor passes that information onto the bank that issued the credit card where the bank checks to see if the card is valid and see if the charge amount is available on the card.
  3. The issuing bank sends back an approval number or a decline message to's processor.
  4. The information is passed back to the credit card terminal which prints a receipt for the customer to sign if the card is approved. It takes approximately 12-15 seconds to complete steps 1-4 on a credit card machine using a phone line. The newer internet enabled machines can cut this time to just a few seconds.
  5. At the end of the day the merchant must "settle" or "batch out" their terminal which will begin the final process of the transaction. In most cases can automatically settle the transactions at a specified time each day. Once the settlement process is initiated the funds are transferred from the card issuing bank and electronically deposited into the merchant's checking account. It typically takes no more than two business days from the time of the original transaction for the funds to reach the merchant's checking account.

How does e-commerce and internet credit card processing work?

If you have an Internet store or own a retail e-commerce website, you will need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night. can provide you with an online merchant account and the ability to do online credit card processing, no matter how small or how large of a website you have.

You will find some helpful online credit card processing and e-commerce merchant account information in the links below. It will help you get on your way to accepting credit cards. As always, if you have further questions feel free to call us at 1-888-818-Merchant.

We have a variety of payment gateway software for many popular open source shopping carts.

A payment gateway like, Linkpoint, or PayFlow Pro is necessary for any serious e-commerce business. With a payment gateway, your online business can accept credit cards securely and hassle free through your website. Listed below are the supported free open source e-commerce software that can accept credit cards through the payment gateways we provide.

Magento is yet another new package in the open source shopping cart software industry. Magento is also gaining ground in the industry by offering a host of integrated features in its software package. and PayFlow Pro is included with free LinkPoint add-ons.

CRE Loaded:
CRE Loaded offers the first free, open source software package with full PCI DSS compliance. The package is fully scalable to your needs. It comes with integrated and Linkpoint payment gateways.

Is a feature rich, easy to use, and search engine friendly online shopping cart system. It has add-on modules for as well as Linkpoint.

Another robust open source shopping cart platform, OpenFreeWay also offers the choice to sell services, subscriptions, as well as products right out of the box. As an added benefit, OpenFreeWay now also includes extensions to integrate directly with Joomla! a popular open source content management system. is fully integrated.

Zen Cart:
Zen Cart is popular open source online web store management system. Since it is based off the same code as osCommerce, you can expect the same level of functionality, but with more built in features. Zen Cart includes support for payment gateways such as, LinkPoint, and PayFlow.

Shopping Cart Extensions for existing content management systems:

VirtueMart is a free e-commerce add-on module for the popular open source content management system, Joomla! Although it exists as an add-on, its functionality is diverse with free and unlimited community support. VirtueMart offers built in payment gateway functionality for as well as free community sponsored add-ons for LinkPoint.

osCMax is the premier add-on module for a widely used open software content management system, Drupal. osCMax includes integrated and LinkPoint for payment gateway.

WP e-Commerce:
WP e-Commerce is the leading shopping cart plug-in for a Wordpress, a popular blogging CMS platform. is integrated in this system.

How are online payment gateways used in order to accept credit cards on websites?

  1. The online customer finds the merchant's website and adds products to their shopping cart. When they are ready to check out, they enter their billing information.
  2. If the merchant does not have a secure page, the customer can be transferred to a secure payment gateway. If the merchant does have a secure site, then the information will be "passed" to the payment gateway without the customer ever leaving the merchant's site.
  3. Once the billing information has made it to the payment gateway, it is then transmitted to the processor.
  4. The processor passes the information from the online payment gateway onto the bank that issued the credit card, which verifies that the card is valid and that the amount requested is available on the card.
  5. The bank sets aside the purchase amount for the merchant, then sends back an approval number or a decline message to the processor.
  6. Within 3-15 seconds, the information in steps 2-6 is passed back to the gateway.
  7. The gateway passes the approval code back to the merchant's site or, if the merchant does not have a secure site, gives the customer their approval information. At this point, the merchant can also choose to have the payment gateway email the customer a payment receipt.
  8. Final payment is secured and is deposited in the internet merchant’s account. It typically takes two business days from the time of the original transaction for the funds to reach the merchant's checking account.

How are online merchant accounts set up?

  1. While it’s true that most online merchant accounts can be set up in a few days, it does sometimes take longer. A good online merchant account tip is to start thinking about setting up your account a few weeks before you plan on using it. You will have plenty of other challenges in those last few days before you open for business.
  2. Use credit card processing experts for your online credit card processing needs. Since internet and online credit card processing is relatively new, you should make sure you get the best advice, software and costs available. Most banks, superstores and other companies who do not specialize in merchant accounts can never be as up-to-date with the current trends as specialists like Merchant Warehouse.
  3. Online credit card processing may have a few different fees than a retail merchant account. Understand all of your online processing fees and make sure everything is fully outlined. Be thorough reviewing the application and be certain to ask questions about anything you don't understand. Taking the time to go through everything thoroughly may save you from surprises when you get your statement.
  4. Make sure you are quoted for online credit card processing and not a retail account. Many merchants may find that they are initially quoted, and mistakenly sign-up for, a retail account. If you have a retail account, you will get hit with much higher fees than you would have if you had set your account up properly. Most online credit card processing accounts will have a rate well over 2%. If you are quoted a rate below this number, it is likely that you have been misquoted.
  5. Choose a leading payment gateway to handle your online credit card processing transaction. While some newer gateway companies have excellent products, nothing beats the reliability and the ease of integration that the more established gateway companies have. If you follow this tip, you know you are getting a product that works from a provider with a proven record.

What is MOTO (Mail Order Telephone Order) credit card processing and how does it work?

If you run a mail order business and/or take credit card payments over the telephone, you are participating in, what we call in the industry, MOTO Credit Card Processing. (MOTO = Mail Order Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and credit card are not physically present at the time of purchase. Another term used for this is card not present credit card processing.

New MOTO credit card processing options are available with a wide range of card processing equipment and software. Merchant Warehouse can help you get the processing solution that's just right for your business.

You will find useful MOTO credit card processing information in the links below that will help you to start credit card processing by phone and by mail order. As always, if you have further questions feel free to call us at 1-800-818-Merchant.

  1. The customer calls or mails in an order to the merchant and provides their credit card information. The merchant enters the card information and sale amount it into a credit card terminal, PC software or payment gateway.
  2. The processing system connects to Merchant Warehouse’s processor for authorization.
  3. The processor passes the sale information on to the bank that issued the credit card which checks to see that the card is valid and if the amount requested is available on the account.
  4. The issuing bank sends an approval number or a decline message back to the processor.
  5. The information is passed back to the processing system which gives the merchant the approval number and allows them to print a receipt for their records. It takes approximately 3-15 seconds to complete steps 2-5 on a traditional terminal or just a few seconds with a terminal or software connected to the internet.
  6. The merchant must "settle" their processing sales on a daily basis which begins the final process in the transactions. In most cases the credit card machines can be programmed to settle the account at a specified time each day. The sales proceeds are then transferred from the card issuing bank and are electronically deposits into the merchant's checking account. It typically takes two business days from the time of the original transaction for the funds to reach the merchant's checking account.

How can I avoid the many possible pitfalls of setting up a MOTO credit card processing account?

  1. Most MOTO credit card processing accounts can be set up in a few days but is still a good tip to start thinking about setting up your account a few weeks before you plan on using it. The last thing you want to be worried about in the days before you open for business is whether or not your merchant account will be ready.
  2. Your local bank or other business whose primary focus is something besides credit card processing may not be the best option. While most merchants like the idea of doing business with their local bank or may initially be attracted to deceptive deals posed by wholesale chains, they often do not realize that these companies have little experience setting up MOTO merchant accounts. It is generally good advice to go directly to a company who specializes in MOTO Credit Card Processing like This will usually save you both time and money, and ensure that you have the best equipment and service for your particular needs.
  3. When you get a quote for MOTO credit card processing, make certain you understand all of your rates and fees. Take the time to go through your application and ask questions about fees you don’t understand. Taking the time to go through the fees may save you an unpleasant surprise when you get your first merchant statement. If a fee or particular field on the application is blank, make sure to ask about it and, if possible, have the blank filled in with a zero or “none.”
  4. Double check to make certain that the rate you are quoted is for MOTO credit card processing. Many merchants have mistakenly signed up for a retail account, with seemingly low rates, only to found themselves getting charged much higher fees than necessary. A good litmus test to check if you are being quoted an incorrect rate is to look at the “qualified rate.” Most retail businesses pay less than 2% per transaction for cards they can swipe through a terminal. If your rates are below 2%, it is likely that you have been quoted for a retail account.

Who will supply me with a terminal? is proud to be the largest supplier of credit card terminals. We stock thousands of credit card terminals from every major manufacturer and ship most orders from our own distribution center.

Our staff scours the competition and immediately lowers our pricing whenever we see a terminal offered for less. We also sell only guaranteed and factory inspected refurbished equipment.

Equipment by Manufacturer

Way Systems
First Data