If you are a retail merchant, we promise you the lowest available credit card processing rates in the country and/or we will beat or meet your current processing rate. We will need to see your merchant statements for the last three months as proof of your current rate. Upon physical receipt via FAX of the monthly statements and verification of the information contained therein, we will call you and offer you the same or a better rate.

As an added benefit to the best processing rates around, you can always count on Merchant Mangement Services to provide you with quality credit card processing equipment, supplies, and software from manufacturers that are leaders in the payment processing industry.

Below, please find some comments from our retail clients, followed by detailed descriptions of each step in the credit card acceptance process.

"I wouldn't have believed it if I hadn't seen it with my own eyes. As soon as I began taking credit cards, fewer people walked and my daily sales started doubling. Then, after a while my overall traffic doubled. If I had done this 2 years ago, my gift shop would have been profitable instead of barely breaking even."

John Christiansen
Elegant Gifts
Scranton, PA

"I was paying almost 25% more per month in processing fees with my old bank (provider) and never realized it until I switched over to you. The best part is the 1% per month I save goes directly into my pocket. Thank you. Your most loyal customer, Francis W."

Francis W.
Salt Lake City, UT

“I was ready to sign a contract with another processor and then I came across your site. You suggested I check your rates before signing. Boy, am I glad I did. Not only did I get a much lower rate with you, but I also discovered they were going to charge me $50 a month in hidden fees.”

Harlan Bettendorf
HAB Auto Parts
Albuquerque, NM

Credit Card Processing at the Retail Level

The merchant will slide the customer's card through the credit card terminal and enter the amount. The terminal will then dial a toll free number and connect to the processor for authorization. Once the terminal has connected it will send the credit card information and amount of the purchase.

The processor will pass that information onto the bank that issued the credit card. The issuing bank will then check to see if the card is valid and if the amount requested is available on the card and set aside the amount of the purchase for the merchant.

The issuing bank will send back an approval number or a decline message back to the processor.

That information will then be passed back to the credit card terminal which will print a receipt for the customer to sign if the card is approved. It will take approximately 12-15 seconds to complete steps 1-4.

At the end of the day the merchant may manually "settle" their terminal which will begin the final process of the transaction. In most cases it can be automatically settle the transactions at a specified time each day. Once the settlement process is initiated the funds will be transferred from the card issuing bank and will electronically deposit them into the merchant's checking account. It typically takes 2 business days from the time of the original transaction for the funds to reach the merchant's checking account.

We offer processing equipment that best suits your specific needs at cost savings that will best suit your budget. Call 800-555-5555 and speak with one of our account support specialists. Ask yourself - Is taking one minute of your time to save thousands of dollars worth the effort? Call 800-555-5555 today!!!