Get Instant Approval with Easy Integration for Credit Card Processing USA With Emerchant Pro

Some people think cash has become an outdated solution to make payments. After the evolution of the e-commerce industry, people look for a way to make online payments against their purchases. They find being cashless convenient and comfortable for their pocket.

The customers have most used card payments to make the payment while making against their any expense.

Credit card payments have been considered the safest mode of payment for businesses. It is the best way to maintain the cash flow in the industry.

Accepting credit card payments makes you the preferred choice for those customers who preferred card payments over any other payment modes available in the market.

People in the USA widely use credit cards to make payments against their purchases. So, if you are a merchant in the USA, you must opt for Credit Card Processing USA for your business.

However, things go way more complicated and challenging for the industries that fall under high-risk industries while looking for credit card processing. But thanks to the high-risk payment processing service provider, that makes getting credit card processing easier.

What is Credit Card Processing?

Merchant account service or credit card processing ensures customers a smooth and hassle-free checkout experience by managing the complexity of credit card and debit card payments. As per the report in 2019, it is foreseen that there are 1.06 billion credit card transactions were made in the USA, having an average of four credit cards per person. A business with credit card processing can boost customer convenience and accessibility to complete the purchase.

Step-by-Step Guide

Credit card processors are meant to delimit whether the consumer has sufficient funds to approve their online purchase. Despite taking a few short seconds to perform, credit card processing is a multifaceted process that needs many important steps. The payment will get deposited to the merchant's account almost instantly; yet, it may take up to three business days before the money gets deposited to their bank account.

Below are the steps and parties required to perform a transaction:

1. Consumer

The customer takes the initiative to purchase the merchant's products and services over their payment information.

2. Merchant

The merchant accepts and collects the payment details from the customers. Merchants use a payment gateway to collect the payment from the consumer.

3. Processor

The merchant or credit card processor collects the customer's card details and transmits the data to the card processing network. The processor helps in communication between the payment processor and card network.

4. Card Network

The card network receives the payment data from the processor and transfers it to the consumer's bank. The customer's card will operate one of the major credit card networks – the most popular are Visa and MasterCard.

5. Consumer Bank

Once the customer's bank gets the payment request, they will authenticate whether they have sufficient funds to complete the purchasing process. Extra security layers are taken to ensure that the purchase is legitimate and does not involve any fraudulent activity. Once the customer's funds are verified to be released, they will notify the card network and credit card processor to complete the payment. A bank may deny a payment transaction request due to the below reasons:

• Insufficient amount in the account.
• The credit limit has been maxed.
• The bank assumes that a non-authorized user has made the purchase.

6. Merchant

The message is then transmitted back through the same routes to the merchant, who must notify the customer via credit card processor if their payment has been approved or declined. If the payment transaction is cleared, the merchant must hand over the service or goods that the customer presumes in return for the payment.

 

eMerchant Pro as a solution for merchants 

When you look for the best credit card processor in the market, you will find eMerchant Pro listed on the top service providers. We have specialization in providing service to all types of industries. Your business nature hardly bothers us.

eMerchant Pro offers Credit Card Processing USA to the merchant in the USA. It facilitates you to accept and process credit card and debit card payments from your customers. You can allow your customer to make payment using any credit card brand as we support all major card brands such as Visa, MasterCard, Amex, etc.

Plus, we offer you multi-currency processing along with credit card payment processing. You can accept payment via credit card in any currency and can convert in on a real-time basis.

eMerchant Pro's credit card processing is the best solution for merchants to deal with their international customers.

Several other benefits make your credit card processing more effective:

• PCI-DSS Level 1 compliance
• Fraud fighting weapons
• Multi-currency payment processing
• Recurring billing plan
• A high-risk payment processing specialist 

Contact us

If you are a merchant in the USA and looking for Credit Card Processing USA, connect with eMerchant Pro. We will love to educate you about our services.