Our free credit card terminal allows you, the merchant, to use high speed internet with a dial backup to process your transactions. Do you have trade shows or conferences where you process credit cards? Use Clear WiMax to attach to your high speed terminal and you have processing without wires.
With Clear WiMax, there’s no digging, no appointments, no installations. Just high speed broadband on demand, all the time.
For information about our free high speed credit card terminal, call us today at 877.577.3779 or fill in the form below and we will contact you the same day.
The Ultimate In Secure, Real-Time Credit Card Transaction Processing
Call us today at 877.577.3779 to setup your secure gateway.
eProcessingNetwork is helping merchants realize unlimited business opportunities and profits with the continued expansion of the Internet marketplace, enabling merchants with an Internet presence to process online credit card transactions automatically and in real-time, using a secure Web page accessed directly from the merchant’s existing Web site.
Added Convenience
The latest, most sophisticated digital encryption is used to transmit information between the customer’s browser and the eProcessingNetwork Secure Credit Card Transaction Processing Server. Direct communication lines are used to obtain real-time authorizations from the processor. Plus, merchants get the added convenience of having funds directly deposited to their bank account.
Added Security
Secure order forms are tailored to match the design of the merchant’s Web pages and automatic e-mail messages are sent to the merchant, as well as the cardholder, confirming each transaction. Real-time communication between eProcessingNetwork and the processor helps ensure the accuracy and validity of each transaction.
Added Fraud Protection
Address Verification and Card Verification Value (CVV2) Services are performed to reduce the chance of fraud and charge-backs. Open batches are automatically closed daily so merchants no longer need to purchase additional software to reconcile their transactions. Merchants can limit the number of times a customer can attempt a transaction, and can configure their eProcessingNetwork account to accept transactions only if the customers’ AVS and CVV2 data was entered correctly.
Simple and Secure
Integrating eProcessingNetworks credit card transaction processing service is easy to do. Here’s how it works:
When the merchant’s customer is ready to buy, they are linked to the eProcessingNetwork Secure Payment Information Capture Form on the eProcessingNetwork Secure Transaction Processing Server. This page matches the design of the merchant’s Web page, and the customer is given visual clues of the forms Secure Socket Layer (SSL) encryption.
Once the customer submits payment information, the eProcessingNetwork Transaction Processing Server processes the transaction and gives the customer immediate transaction status – approval, decline or other status indication.
If the processor approves the transaction, an e-mail message containing the customer’s mailing information and order summary is sent to both merchant and customer. Credit card information is never e-mailed, sold or distributed to third parties.
The entire process is simple and convenient to use. eProcessingNetwork offers reliable and secure credit card transaction processing services and professional support every step of the way.
Let us start by clearly stating, we do not charge a monthly or annual PCI compliance fee. We are seeing a trend where processors are charging customers various rates, such as $25 per month or $95 per year. We have personally seen merchant’s statements where these charges are clearly outlined. Most often, the merchant doesn’t know what they are getting for that charge. Frankly, we don’t either. One merchant we visited with two weeks ago had a $95 annual fee. When he called to inquire about it, they simply told him it was mandatory.
Every merchant must comply with the Payment Card Industry (PCI) Data Security Standard (DSS). There are 12 elements in PCI DSS requirements, which are listed in the table immediately below.
There are five Self-Assessment Questionnaire (SAQ) categories. They are noted in the second table below. Merchants select the appropriate SAQ by how they process. Download the SAQ to the immediate right of the Description. If you are unsure how to fill this out, please call us or your processor.
If you have any questions, please call us at 877.577.3779 or in DFW 817.857.3557.
PCI Data Security Standard (DSS)
The PCI DSS applies to all entities that store, process, and/or transmit cardholder data. It covers technical and operational system components included in or connected to cardholder data. If you are a merchant who accepts or processes payment cards, you must comply with the PCI DSS.
PIN entry Device (PeD) Security Requirements
PIN entry Device (PeD) Security RequirementsPCI PED applies to manufacturers who specify and implement device characteristics and management for personal identification number (PIN) entry terminals used for payment card financial transactions. Merchants should use only PIN entry devices that are tested and approved by the PCI SSC. Authorized devices are listed at: www.pcisecuritystandards.org/security_standards/ped/pedapprovallist.html
Payment application Data Security Standard (Pa-DSS)
The PA-DSS is for software developers and integrators of payment applications that store, process or transmit cardholder data as part of authorization or settlement when these applications are sold, distributed or licensed to third parties. Most card brands encourage merchants to use payment applications that are tested and approved by the PCI SSC. Validated applications are listed at: www.pcisecuritystandards.org/security_standards/pa_dss.shtml
The PCI DSS version 1.2 is the global data security standard adopted by the card brands for all organizations that process, store or transmit cardholder data. It consists of common sense steps that mirror best security practices.
Requirement
PCI DSS Requirements
Build and Maintain a Secure Network
1. Install and maintain a firewall configuration to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Protect Cardholder Data
3. Protect stored cardholder data.
4. Develop and maintain secure systems and applications.
Maintain a Vulnerability Management Program
5. Use and regularly update anti-virus software or programs.
6. Develop and maintain secure systems and applications.
Implement Strong Access Control Measures
7. Restrict access to cardholder data by business need-to-know.
8. Assign a unique ID to each person with computer access.
9. Restrict physical access to cardholder data.
Regularly Monitor and Test Networks
10. Track and monitor all access to network resources and cardholder data.
11. Regularly test security systems and processes.
Maintain an Information Security Policy
12. Maintain a policy that addresses information security for employees and contractors.
According to payment brand rules, all merchants and their service providers are required to comply with the PCI Data Security Standard in its entirety. There are five SAQ Validation categories, shown briefly in the table below and described in more detail in the following paragraphs. Use the table to gauge which SAQ applies to your organization, then review the detailed descriptions to ensure you meet all the requirements for that SAQ.
SAQ Validation Type
Description
SAQ:V1.2
1
Card-not-present (e-commerce or mail/telephone-order) merchants, all cardholder data functions outsourced. This would never apply to face-to-face merchants.
The PCI SSC sets the PCI DSS standard, but each card brand has its own program for compliance, validation levels and enforcement. More information about compliance can be found at these links:
MERCHANT SERVICES INC, NAMED AS FINALIST IN 6th ANNUAL STEVIE® AWARDS FOR WOMEN IN BUSINESS
FORT WORTH, TX – NOVEMBER 17, 2009] – MERCHANT SERVICES INC was named a Finalist in the Women in Business – Best Entrepreneur category in the 6th annual Stevie Awards for Women in Business.
The Stevie Awards for Women in Business honor women executives, entrepreneurs, and the companies they run – worldwide. The Stevie Awards have been hailed as the world’s premier business awards.
Nicknamed the Steviesfor the Greek word “crowned,” more than 1,100 entries were submitted this year for consideration in 54 categories, including Best Executive, Best Entrepreneur, and Best Community Involvement Program. Merchant Services Inc was named a Finalist in the Women in Business – Best Entrepreneur category.
Committed to helping other women, Vanessa Lang volunteers her time, energy and financial resources at the Fort Worth Women’s Business Assistance Center. As a sponsor of Project New, Ms. Lang recognizes her good fortune of a great education and life experiences by helping first time business owners develop their sales and marketing plans.
Finalists were chosen by business professionals worldwide during preliminary judging.
Members of the Awards’ Board of Distinguished Judges & Advisors and their staffs will select Stevie Award winners from among the Finalists during final judging.
“Being named a Finalist in The Stevie Awards for Women in Business is an important achievement,” said Michael Gallagher, president of the Stevie Awards. “It means that independent business executives have agreed that the nominee is worthy of recognition. We congratulate all of the Finalists on their achievement and wish them well in the competition.”
Ms Lang said, “As an Industrial Engineer, I know our people and processes define us and set us apart. While I am deeply honored to be a finalist, it is our customers, employees and valued business partners that make us the great organization we are.”
Details about The Stevie Awards for Women in Business and the list of Finalists in all categories are available at www.stevieawards.com/women.
About Merchant Services Inc
Merchant Services Inc is a full-service Fort Worth based payment processing company. We are a Veteran Owned and Woman Owned business. The founders of Merchant Services, Inc. have diverse backgrounds in business and engineering. Through our experiences we recognize that many banks and sales organizations are not meeting the needs of merchants. We are business people that understand the customer’s need for cost effective merchant processing solutions is a necessity to maintain their competitive edge. Our uniqueness in the marketplace is working with business owners to make them more successful in cost reduction, customer acquisition and loyalty programs.
About The Stevie Awards Stevie Awards are conferred in four programs: The American Business Awards, The International Business Awards, The Stevie Awards for Women in Business, and The Stevie Awards for Sales & Customer Service. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about The Stevie Awards at www.stevieawards.com.
Sponsors of the 6th annual Stevie Awards for Women in Business (as of October 9) include the Business TalkRadio Network, Covario, Inc., and KeyBank. Localization partner of the 2009 Stevie Awards is Lionbridge.
A question often asked is, “When I use my debit card, should I use my PIN or have it swiped like a credit card?” The question is asked because consumers want safety, security and cost effective measures.
For safety and security, it has been the use of the (Personal Identification Number) PIN pad. Visa Interchange and MasterCard Interchange offer some of the lowest rates to process when a consumer uses a PIN pad. Why? Because only that consumer is supposed to know that PIN number. A thief can use use your debit card if it is swiped, but not if it’s PIN debit.
The PIN debit is a very cost-effective way for the merchant to pay their credit card processing fees. Since the transaction travels over the ATM network, considerably lower fees can be available.
Let’s put that on hold for a moment while I share with you an experience I had yesterday. I received my new business debit card from the bank. It has in bold “Important Message: Credit or Debit, which should you choose?“ It continues with:
When paying with your Debit Card, you’ll be asked to choose “debit” or “credit”.
We suggest you always select “credit”. We know it’s confusing as your Debit Card is not a credit card, but the money for your purchase will still come out of your checking account even though you didn’t select “debit”. And since you selected “credit”, you won’t have to enter your Personal Identification Number (PIN) in public for added security.
Whoa! The bank is asking for you to run a debit card as a credit card? Why?
It’s simple. The current profit the issuing bank (the bank that gave you the debit card) realizes is 1.03%, when the card is swiped. This is paid by the merchant. On top of the 1.03%, there are Visa and MasterCard Dues & Assessments, plus the small mark-up from the merchant services company. If the consumer runs the card as a PIN debit, the transaction runs on the ATM network. This means the bank doesn’t get its 1.03%.
My bank message also said I’ll save time by not entering my PIN number if I run it as a credit card. What they don’t tell you is you will have to sign the receipt for a credit transaction, but you won’t have to sign for a PIN transaction. PIN transactions are faster than having to sign a receipt.
So Swipe or PIN entry? Let’s recap. PIN debit makes cost-effective sense for the merchant, as well as safety, speed and security for the consumer. Okay, so maybe the bank didn’t get its 1.03%. We’ll leave that for the federal bailout.
For more information, you can reach Jon Perry at 877.577.3779 or through the contact form below.
Our free credit card terminal allows you, the merchant, to use high speed internet with a dial backup to process your transactions. Do you have trade shows or conferences where you process credit cards? Use Clear WiMax to attach to your high speed terminal and you have processing without wires.
