Merchant Services

The ACH stands for the Automated Clearing House, which is an electronic payment system. It is an electronic network for the financial transaction in the United States. The ACH processes huge transaction amount that is debited or credited. Also, the most common uses of ACH are online bill payment, mortgage and loan repayment, and direct deposit of payroll. The Credit Transfers are also pushed to the merchant account by ACH by quickly processing the transaction. ACH is a direct payment that uses the electronic method, which makes it fast and efficient. It makes easy for the merchant to handle and manage the transaction. This method is proved to be the most secure transaction method for both merchants and customers. How does ACH Payment Processing Save Time? The ACH is proved to be faster than other payment modes. This is because, when using the ACH, a unique routing number is provided that initiates the transaction. The money is then taken from the customer’s accoun...

NEWS PROVIDED BY - Adyen Adyen the payments platform of choice for many of the world's leading companies, today announced its direct API integration with the Mastercard® Account Updater service. Qualified merchants processing with Adyen globally can now increase revenue from card-on-file payments by automatical ly updating Mastercard accounts in real time. "The subscription economy is experiencing massive growth, with 100% increase year-over-year for the last five years1. Beyond digital services, Adyen is seeing a strong uptake in physical products like cosmetics, fashion and bicycles now offered as a subscription service. Payments are a critical touchpoint for ensuring uninterrupted service for customers and sustained revenue for merchants," said Roelant Prins, the chief commercial officer at Adyen. "Adyen, together with Mastercard's Account Updater, is focused on making the highest number of payments succeed by automatically updating card data at...

Tech Support Merchant Account Provider For retail merchants, it is pretty easy to get a payment processor but it’s not the same with tech support businesses. This is due to high rate of chargeback risk involved. So when you are looking for a merchant account provider, you should always ask them certain questions before applying. These questions could go as follows: Do you provide high-risk merchant account for tech support businesses? What about remote tech support (if relevant)? Does underwriting department approve of it? At times salesperson will assure you that they do provide service to tech support business and after you complete the process of applying for it, and send it for approval to underwriting department; you might find out that your application is rejected because they do not support tech support business. Can Merchant Stronghold help? Merchant Stronghold has expertise in providing all-inclusive  high-risk credit card processing   services...

A team of high-risk analysts or an individual analyzes your business to find out any type of risk, and according to this analysis your application is either approved or rejected. This whole process might take a day or two, depending upon the provider you choose. There are alternatives to this, which will take lesser time for approval, as those alternatives do not require underwriting, but they have their own drawbacks due to which they are rarely recommended. Merchant Underwriting Process Merchant account is basically a line of credit. In case of chargebacks, the amount is deducted from the merchants account, but if there are not enough funds in the bank to pay for chargeback then the provider pays that amount right away to the customer. So the essential part of underwriting is to evaluate the risk level of merchant’s business. Following are the things that provider review: Industry Type: Risk is involved with every kind of business but the level of risk varies from business...

Online Payment Gateway Our virtual gateways can make credit card processing money saving, which means your business pay less amount to process transactions. Merchant stronghold makes sure that every transaction is secure. In order to provide better direct marketing gateways, we have set ourselves apart from our competition. We offer services that are tailored for your business – A glimpse of our methods: Safe and Secure Processing: All the credit card processing transactions go through multiple secure servers means no data is stored on your business computer. This makes direct marketing processing safe and secure. Customer Support: The first thing that any business should focus upon is better customer support. Our team is available to help you deal with any payment issue. You can contact us and discuss issues and they will be resolve timely so that your direct marketing business thrives. eChecks: Gateway allows you to accept echecks too! Accept Credit Cards and eChecks in t...

Shoe аnd Fооtwеаr Stоrе Pоint оf Sаlе Shое ѕtоrеѕ specialize in thе retail sale of footwear. Thеrе are mаnу different tуреѕ of ѕресiаlizеd ѕhое stores – bооt ѕtоrеѕ, wоmеn’ѕ shoes, men’s shoes, custom ѕhоеѕ, kidѕ ѕhоеѕ, wоrk shoes, etc. Shое ѕtоrеѕ not only ѕеll ѕhоеѕ, but аlѕо оffеr a wide rаngе оf ѕhое accessories аnd оthеr ѕеrviсеѕ (such аѕ shoe rераir). Givеn thе vеrу high numbеr оf SKUs (frоm diffеrеnt ѕizе, color, ѕtуlе аnd widths) аnd seasonality, the smart use оf buуing, invеntоrу management аnd рriсing tools аrе еѕѕеntiаl. Whеn it соmеѕ to finding thе right Shое Stоrе POS ѕуѕtеm, the main funсtiоnаlitу to lооk fоr iѕ gооd invеntоrу control features, аnd a ѕimрlе, fast, сhесk оut рrосеѕѕ. Verifone VX520 POS ѕуѕtеm hаѕ thiѕ аnd muсh mоrе. Invеntоrу management iѕ a ѕimрlе and аutоmаtiс. Minimum аnd Mаximum inventory lеvеlѕ саn be ѕеt for еасh itеm, helping tо prevent еmрtу оr оvеrѕtосkеd ѕhеlvеѕ. Intеgrаtеd саrd рrосеѕѕing makes credit or debit рurсhаѕеѕ аlmоѕt inѕtаntаnе...

Reliable credit card processing is essential for businesses under MCC 4225 (Public Warehousing, farm products, etc.). Whether you are a small or large retailer, you need E-Commerce payment gateway that makes transactions easier for your customers.  Merchant Stronghold has systems that can support large number of sales on your existing website. Our credit card processing solution gives your business: A simplified checkout process – Easy to understand and use Ability to accept volume of transaction on debit and credit cards Industry Compatible standards to protection online data Fast and secure website credit card processing for customers Credit Card Processing for businesses under MCC 4225 No matter what type of merchant you are, we can set up an online credit card solution fit for your unique needs. Public Warehousing and farming businesses require direct integration of mobile tools. Many clients want to pay on the time of delivery, and if you have a fle...

Importance of Getting a Dedicated Trial Continuity Merchant Account or Payment Gateway Due to the nature of trial continuity businesses, subscription merchants are generally considered high-risk merchants within the credit card processing industry. This is likely because of the higher frequency of credit chargebacks among the subscribers. That is why you trial based business can find it hard to open an appropriate merchant account using traditional credit card processors. Luckily, there is a solution that trial continuity businesses can use that specifically caters for high-risk subscription merchants. For example, Merchant Stronghold can enable merchants in the trial based businesses to accept seamlessly accept credit cards and effectively grow their businesses. Partnering with us will lead offer your business a more efficient Payment Gateway, beneficial customer support and ultimately improve your sales. How to Choose the Right Payment Gateway or Merchant Account Reliabi...

Reliable Merchant Account Services There aren’t many merchant account providers who understand the worries of business owners. Every business has a size, some are small and others maybe big industries. Keeping these facts in consideration, we provide a solution that best fits your business needs. Our payment gateway can accept any card and electronic checks. We have more than one solution for your business. Those merchants who want to utilize mobile payments, our system can help you to accept payment from any android or apple smart phones too. All you need is our help, we will equip your business with modern gateways that will accept payments from everywhere in the world. Best Payment Gateway Provider Merchant Stronghold is one of the leaders in the merchant account industry. We offer payment Gateways and payment options that no one in this industry offers. Executing an agreement with merchant service provider is the first step towards accepting credit card payments. Be...

Every year, billions of dollars are being loaned to understudies. Quite naturally, there are scammers who attempt get your cash offering services that you should study well so to avoid being scammed. The Consumer Finance Protection Bureau (CFPB) has always cautioned understudies about what to look out for when you require an understudy credit or some assistance with respect to it. UNDERSTUDY LOAN DEBT HELP Many organizations promote they can facilitate you with your credits/loan, and you can see them publicize on Facebook, on Google, or even send emails messages. Before making any move with these organizations, don’t forget that you don’t have to pay somebody to get help with your Federal understudy credits/loan if you don’t want to. If you’re a document preparation services for merchant Account, consider turning to the #1  High Risk Payment Gateway  provider in the US, Merchant Stronghold to get the best for your High Risk Business wants and needs. M...

Let’s now discuss various possible reasons for declination of application for credit card processing : Age: Your age is another factor for the denial of your request. If you are under 18, the issuer will not accept your request, as it is not the legal age. Your age is another factor for the denial of your request. If you are under 18, the issuer will not accept your request, as it is not the legal age. Incomplete application form: If you have not filled the application form completely or correctly, your application will be declined. So it is better to apply for credit card processing online as it will not submit your request until and unless all the fields are properly filled. Loan balance: If you want to apply for credit card processing , make sure that you pay your loan balance regularly if any. When you apply for credit card processing, your credit history is checked and if it is negative, the bank or the processor will hesitate to accept your request to avoid ri...

Merchant account for Timeshares Business Timeshares business offers various types of packages, vacation rentals, and airfares. It is considered as high risking business because credit card processing is high trafficked. The transactions also occur via phone and internet, and customers complain about services a lot. It takes a lot of time from booking to receiving, and because of it disputes are common. Few years back, timeshares merchants weren’t offered credit card processing because of frequent cancellations and refunds. Now  merchant account  providers are able to take the risk, but travel and related business must keep terms and conditions clear. Credit card fees and charges There are various fees associated with transactions, mostly depend on customer’s card and type of transaction. Cards such as American Express, debit, credit card, and type of business are the key factors. Banks don’t want chargebacks because these cost money so they monitor timeshares busines...

Mаnу hаrdwаrе stores have specialty dераrtmеntѕ uniԛuе tо its rеgiоn оr itѕ оwnеr’ѕ intеrеѕtѕ. Thеѕе dераrtmеntѕ inсludе hunting аnd fiѕhing ѕuррliеѕ, plants and nurѕеrу рrоduсtѕ, mаrinе аnd boating supplies, pet fооd and ѕuррliеѕ, fаrm аnd rаnсh ѕuррliеѕ inсluding аnimаl feed, ѕwimming pool сhеmiсаlѕ, hоmеbrеwing ѕuррliеѕ and canning ѕuррliеѕ. Pоint-оf-ѕаlе system fоr Hаrdwаrе ѕtоrеѕ Evеn thе ѕmаllеѕt hаrdwаrе ѕtоrе саn benefit from a point of ѕаlе system bесаuѕе it hеlрѕ аutоmаtе virtually еvеrу раrt of thе  high-risk buѕinеѕѕ . A POS ѕуѕtеm for hаrdwаrе ѕtоrеѕ does mоrе thаn сhесkоut customers and рrint rесеiрtѕ: it facilitates virtuаllу every аѕресt of thе business. Inventory management is a оnе imроrtаnt function of thе hаrdwаrе ѕtоrе POS ѕоftwаrе bесаuѕе it keeps trасk оf every item that iѕ bought аnd ѕоld in rеаl timе. Thiѕ wау, thе business аlwауѕ knоwѕ whаt itеmѕ are in stock, what itеmѕ аrе on order and whаt the соѕt and рriсеѕ аrе for them. Work flо...

If you are running a business that deals with sales and purchases, there might arise situations where you need to choose a new credit card processor , but it is not as easy as it seems. It is a big decision and before making a final call you should be aware of certain things, like Fee charged and contract, customer service department and cost-effective tool. Do the comparison, study the market and then make the final decision. Let us now discuss the 3 questions you should ask your new credit card processor before finalizing it: Structure of Fee Charged When you opt for such tools, you are charged with a certain amount of fee, but it is important to know what exactly those fees are, more commonly called breakage of fee. The fact is that most of the high risk merchants have no idea about the process and end up paying a high amount of fee without actually knowing the hidden high markups in their pricing structure. To process the transaction, an interchange part of pricing st...

All Multinational SEO’s organization required a credit card payments solution for their business. An SEO merchant account helps the SEO allow plastic card payments from customers, which is a complete must when managing with work that is 100% online. While the SEO field is beneficial and flourishing, it can be a tough task to find a SEO Merchant Account. Though, that’s where we at Merchant Stronghold have you covered. Web optimization - SEO, or Search Engine Optimization, helps your websites get to the top of Google search (1st Rank on Google search index). There are keywords and phrases that acquire more interest from Google and other search engines like Bing, Yahoo etc, and a SEO expert is a specialist at knowing accurately how to phrase your opening so that Google or other search engine can push you to the first page of search engine result page(SERP). Main search engines Google, Yahoo and Bing have mainly important first search results, where website’s pages and other cont...

When a brick-and-mortar business accepts credit or debit card payments for its products or services signature is collected from the customer and the customer is ordinarily physically present to present their card for payment. Having a signature is the merchant’s proof that the customer authorized payment, that the product or service was received and the customer was initially satisfied with their purchase. But, when an eCommerce business receives payment for an online order, cardholder verification, proof of delivery and customer satisfaction is more difficult because there has been no visual card examination or in-person customer contact with a written signature authorization. These are defined as card-not-present transactions. Customers who use credit and debit cards to make online purchases have an advantage over other customers because they can contact the bank who issued their card and ask for their money back when they are unhappy with a purchase, without first contacting...

When you set up a new business, along with many things that need to be sorted out you need to figure out how you would like to accept payment from your customers and this is one of the major obstacles, which most of the new business owner’s face. When you think about payment process, there are a few questions that need to be answered to find the solution. These questions are: Type of payments to be accepted Pros and cons of the chosen payment type Cost related to payment method. When you are learning about payment processing, you should get knowledge about all the possible payment methods in detail. Out of various methods, Credit Card is the most popular as well as preferred payment method among customers. Let us discuss the basic steps you need to follow to get started with credit card processing: – Setup a merchant account : To carry out the online financial transaction, we need to open a bank account to be able to accept payment online in multiple ways (credit ca...

Cruise Merchant accounts are considered high-risk businesses by MasterCard and Visa Card. Integrating online payment gateway on a cruise website requires unique features & merchants have to follow strict rules to get authorization. These websites are closely monitored by payment processors to ensure they follow industry regulations. Merchant Stronghold can provide your business website a payment gateway allowing you to run your business without worrying about external matters. Cruise line businesses require a special merchant account to process payments. This business is considered as high-risk by local and international banks because of various reasons. There are a number of reasons and most of them are because customer is not happy and wants a refund. Most cruises have a strict no cancellation policy that is why bank and payment processors don’t want to give them access to credit card processing. Start accepting credit cards at low rates Cruise lines offer one...

Today’s world is a competitive world and everyone is looking for quick success. We normally look towards people who have achieved certain milestone or are successful and try to follow their footstep. It has become a sort of fashion to read about successful people, adopt their principles and go as per to their opinion. It is always good to learn from others but your individual idea, vision, business goal, and principle are equally important. There are quite a good number of people out there in the world who can give you advice, teach you about business but until and unless you have a vision and ideas of your own, you will be lost in the mob. Here are a few steps that every new entrepreneur should keep in mind in order to survive in this highly competitive world: – Give your own meaning to success It is important to get guidelines and inspiration from those who have achieved success, but it is not advisable to follow them blindly. It is not a good idea to spend much of yo...

The answer for “how to get the access of payment gateway and accept Visa, MasterCard, American Express and Discover” in simple words is, the business needs to establish a Merchant Account. But, this doesn’t only solution as Merchant Account, is just the service that is provided by the banks that will help to accept the electronic mode of payment. Businesses can choose between the elaborate array of collections banks from across the world have ACH, Check Processing, Credit Card Acceptance , Point of Sale System, etc. The choice of services sometimes create a lot of confusion for business owners to choose the perfect services according to their business type and what are the exact requirements for the application of the Merchant Account. For the ease of business owners Merchant Stronghold, with their industrial experiences can help them to choose from the perfect option according to their business. For the application of Merchant Account the business owners need few of the basi...