Retail
Merchants selling tangible goods in a face-to-face environment who normally use conventional terminals and swipe transactions. Discount rates for a retail location are generally the lowest in the credit card processing industry since all available consumer information is obtained during the transaction via the magnetic strip.
Internet
An Internet merchant is one who processes transactions via the Internet. Processing transactions via the Internet means that the cardholder types their credit card information online and the transaction is processed seconds later. Merchants will need a payment gateway for this service:
Software
Process cards right on your PC and automatically deposit the transaction amount into your existing bank account.
Wireless
The credit card is swiped or can be entered manually via the use of an AIRCHARGE unit attached to your cellular phone. The information is sent via the wireless network to a certified payment gateway. Produce receipts - use our software to give your customers a receipt when they pay and to obtain a signature upon transaction approval.
MOTO
Merchants selling tangible goods or services in a non-face-to-face mail order, Internet or telephone order environment, who normally use software or conventional terminals and always key their transactions. Rate pricing for MOTO environments tends to be higher than in a retail setting, since transactions are being processed without the information contained in a credit card magnetic strip.
Telephone Processing
Often referred to as ARU (Automated Response Unit), merchants who do very few transactions per month are able to call an 800# to process payments, rather than using a traditional terminal to key-enter the information. This form of processing offers flat-rate pricing, which is generally high, as it needs to cover all potential card types including commercial and rewards cards, however there are no equipment costs to cover.
Merchants selling tangible goods in a face-to-face environment who normally use conventional terminals and swipe transactions. Discount rates for a retail location are generally the lowest in the credit card processing industry since all available consumer information is obtained during the transaction via the magnetic strip.
- Service – Merchants selling services like plumbing or auto repair in a face-to-face environment, who normally use conventional terminals and may key or swipe transactions.
- Restaurant – Merchants selling prepared foods in a face-to-face environment, who normally use conventional terminals and swipe their transactions.
- Hotel – Merchants selling lodging and hospitality services in a face-to-face environment, who normally use conventional terminals and key or swipe their transactions.
Internet
An Internet merchant is one who processes transactions via the Internet. Processing transactions via the Internet means that the cardholder types their credit card information online and the transaction is processed seconds later. Merchants will need a payment gateway for this service:
- LUCY: Whether you’re a merchant, reseller or product developer, you can expand your business with fully integrated payment services from LUCY Gateway. You will be provided with the tools needed to process all payment types, including credit cards (bank, non-bank, procurement level III) with signature capture, pin-based debit, checks, EBT services and gift cards.
- SecurePay: Receive a complete array of payment processing features and functions that address all of the processing needs of e-commerce and brick and mortar businesses with SecurePay's payment gateway. SecurePay makes sensible, usable and affordable e-commerce solutions available to any small to mid-size enterprise and uses all types of communications technologies, including electronic store fronts and shopping carts, in-store credit card systems and cellular wireless terminals.
Software
Process cards right on your PC and automatically deposit the transaction amount into your existing bank account.
- PCChargeTM: software that turns any PC or PC-based POS system into a secure payment-accepting device - It supports a wide range of peripherals, making it easy to accept all payment types including credit, debit, EBT, checks, stored value/loyalty, purchasing cards and more. PCCharge is a cost-effective solution for all business types including brick-and-mortar merchants, e-commerce, MOTO, and QSR/restaurant.
- SecurePay: SecurePay uses all types of communications technologies, including electronic store fronts and shopping carts, in-store credit card systems and cellular wireless terminals. SecurePay can support your enterprise in any location where you can make hardwired or wireless, virtual connections. You might need only a credit card processing product or our complete design and hosting services. In any case, you can select the products and services most suitable to your enterprise.
- VirtualMerchant: Elavon’s VirtualMerchant is a complete hosted payment solution that instantly transforms your PCs into “virtual” payment terminals. Accept a full range of payment types – from credit and debit cards to electronic checks and gift cards. Process transactions in physical face-to-face, mail order/telephone order, or e-commerce environments. Easily handle recurring and installment payments. And reduce your risk and compliance headaches by letting Elavon protect your financial data and ensure you’re in compliance with the latest industry security standards and regulations.
- Internet Secure: Elavon’s InternetSecure™ e-commerce solution enables you to easily and securely accept and process all credit cards — Visa®, MasterCard®, Discover® Network, American Express® — from your website. Secure real-time transaction processing and advanced risk management tools protect your online business from fraud. And because you’ll have a direct connection to our powerful and reliable processing network, you can eliminate the costs and complexities of dealing with a third-party gateway provider.
Wireless
The credit card is swiped or can be entered manually via the use of an AIRCHARGE unit attached to your cellular phone. The information is sent via the wireless network to a certified payment gateway. Produce receipts - use our software to give your customers a receipt when they pay and to obtain a signature upon transaction approval.
MOTO
Merchants selling tangible goods or services in a non-face-to-face mail order, Internet or telephone order environment, who normally use software or conventional terminals and always key their transactions. Rate pricing for MOTO environments tends to be higher than in a retail setting, since transactions are being processed without the information contained in a credit card magnetic strip.
Telephone Processing
Often referred to as ARU (Automated Response Unit), merchants who do very few transactions per month are able to call an 800# to process payments, rather than using a traditional terminal to key-enter the information. This form of processing offers flat-rate pricing, which is generally high, as it needs to cover all potential card types including commercial and rewards cards, however there are no equipment costs to cover.