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Welcome
How it works:
If you're new to the world of credit card processing, you probably want to know how it all works. A merchant account is an agreement under which an acquiring bank extends a line of credit to a business or other organization that wishes to accept payment via credit card. Organizations sometimes work directly with a bank to set up a merchant account, but more frequently they work through a merchant services provider, such as BankCardServices Worldwide, which can oversee all the elements involved with credit card processing. In fact, many banks do not provide merchant accounts directly to small businesses; instead, they must work with a merchant services provider like BankCardServices Worldwide.
Merchant services providers generally offer
solutions to accept payments via three methods:
1. On site ("bricks and mortar")
2. Telephone or mail order
3. Online, via Internet
BankCardServices Worldwide offers equipment
and solutions for you, whatever combination of
transactions you wish to handle.
Payment processing involves several stages.
Following are the key steps in an authorized
transaction:
- Your customer gives you (the merchant) a credit or debit card or card information, via an on-site card swipe, phone or website
- Payment processor sends the information to the customer's card issuer for authorization
- Card issuer sends authorization back to processor
- Processor transmits authorization to you
- Funds are deposited in your bank account Learn more
Accepts Visa, American Express,
Mastercard, Discover, & More
Compare Our Rates
Internet /Phone
Retail Credit
Retail Debit
$0.00
$0.00
$0.00
$0.00
2.19 % + .30
1.69 % + .20
1.39 % + .20
Setup Fees
Application Fees
Annual Fees
Hidden Fees
A leader in merchant services since 1993 Whether you have a storefront or do business via the
Internet or a phone center - or use all these methods - you need the ability to accept credit
cards. As an experienced merchant services provider, we can help you with that.
Why choose us? At Bank Card Services Worldwide (BCS Worldwide), we understand your need
for a readily available, knowledgeable merchant account provider who can answer all your
questions about credit card processing. We provide complete merchant account and gateway
services, plus tech support all in one, convenient package. No one else does that. Plus we
offer some of the best fees and rates in the industry! Learn more about the
Friendly, personal service
When you call our office during regular business hours, a live, friendly person will answer. You can also contact us 24/7 by e-mail. Someone will get back to you the next business day with expert advice on credit card processing.
We also offer a quick and easy application and approval process, usually 24 hours to get you up and running; over 98 percent of our applicants are approved.
Through our own Bank Card University (BCU), our staffers receive rigorous, in-depth training in merchant account processing. They also stay up to date on the latest developments and technology, so they can answer all your questions about credit card processing quickly and accurately. Remember - your business depends on the ability to accept credit cards. Learn more about our approach to customer service and more.
On site/storefront
Most of us are familiar with processing credit cards at a "bricks and mortar" store; we have all seen credit card "swipe" machines, or terminals, next to checkout registers across the country. After a card is swiped, an authorization code is displayed and usually printed on a credit card transaction slip. Authorization comes from a credit card processing clearinghouse with which the store's bank contracts - assuring payment to the merchant when a customer signs the credit card slip or electronic screen.
Recommendations
for your industry
Whether you want to accept credit cards
(and more) at your location, online, over the
phone or by mail, BankCard Services Worldwide
offers a comprehensive payment processing
solution that fits your business or non-profit
organization. Learn more about
Merchant Account Industry Solutions
Online or phone
The ability to accept credit cards is especially important if you are doing business by phone or online, via the Internet (e-commerce). More than 86 percent of all online credit card transactions are paid for by credit card, versus 14 percent payment by alternative methods, such as PayPal or Google Checkout. If you are doing business via the Internet, you can't afford not to accept credit cards through a merchant account.
E-commerce and phone center payment processing (via a virtual terminal) also require working with a payment gateway system that interfaces with the credit card processing clearinghouse to authorize and validate credit cards in real time, while the customer is still online or on the phone. Gateways essentially provide a "walkway" from your website or virtual terminal to process or check credit card status. E-commerce shopping cart software needs to connect to gateway systems, which you (the merchant) can access. BankCardServices Worldwide consultants can walk you through the gateway process and everything else you need to know to accept credit cards for your online or phone center business. Learn more
Ready to get started?
Or switch from your
current provider?
Whether you're a first-time customer or want
to switch from your current merchant account
provider, call us now toll-free for a
free consultation at (800) 838-9699.
Or Apply Now online. In most cases, you'll
be processing credit cards within 1-2 business
days with BankCardServices Worldwide.