*The fee schedule listed above is not meant to be all inclusive. Other fees may apply. The full fee schedule is included in the merchant application and agreement and can be reviewed prior to submitting the application and agreement. Call (888) 760-1700 to get setup. This pricing is for eCommerce & Internet Merchant Accounts only.
With First Data Independent Sales you can choose between two different payment gateway providers. You can choose the bundled approach offered by First Data, called First Data Global Connect or you can use Authorize.net.
Authorize.net is a high quality payment gateway provider. Their name is recognized by consumers worldwide for protecting their identity, and by merchants for providing safe and secure credit card processing.
With an Internet merchant account and Authorize.net online payment gateway you will be able to accept credit cards in two different ways.
- First, you can accept credit cards online directly from your Website.
- Second, you will be able to accept credit cards though a virtual terminal.
This Is What You Get
- Browser based virtual terminal to accept credit cards anywhere with internet access
- HTML scripts to put in your Web site to accept credit cards directly from your Web page
- An online merchant account to accept credit cards online
- Authorize.net online payment gateway access to obtain credit card processing approvals
- Browser based control panel to manage your credit card processing transactions
- 24/7 customer support for your online merchant account.
- Customer support from 6 AM to 11 PM Pacific standard time for the Authorize.net payment gateway
Authorize.net offers a virtual terminal for merchants who are looking for a low cost way to process non face to face credit card processing transactions. All that is needed is Internet access with a web browser from any where in the world. Merchants can log into a secure Web site and accept credit cards by manually entering their customer's credit card processing information. A virtual terminal is an effective e commerce solution for merchants who receive mail and telephone orders.
A virtual terminal is great for small businesses because it lowers the cost related to accepting credit cards. Buying credit card machines sometimes can be costly or prohibitive to the merchant that is just getting started with a limited budget. With the Authorize.net virtual terminal a merchant can get set up to accept credit cards on a very reasonable investment.
Once a merchant obtains an Authorize.net merchant account they can log onto a secure Web site using their own user id and password. Merchants can then do virtually everything with their virtual terminal that merchants with a credit card machine can do. They can do sales, returns, view reports and many other credit card processing related activities.
To manually run a credit card processing transaction all a merchant has to do is enter their customer's credit card processing information into a form on their Web browser. This information is then encrypted and is sent to the Authorize.net servers. The credit card processing information is then sent to the card holder's bank for authorization. The authorization usually takes about three seconds and is sent back with an authorization number. After the transaction has been authorized the money is usually deposited into the merchant's bank account within two business days.
Accept Credit Cards On Your Web Site
With an Authorize.net payment gateway and merchant account, merchants can accept credit cards online from their Web site 24 hours a day. All the merchant has to do is enter some simple HTML scripts into their website and they will be able to accept credit cards in real time 24 hours a day.
When customer's click to submit their credit card processing transaction information the data is encrypted and sent to the Authorize.net server. Authorize.net then sends the encrypted credit card processing data to the card holder's bank for authorization. When the transaction is approved the money is normally deposited into the merchant's bank account within two business days.
Merchants can log into a password protected website to obtain merchant account information, merchant reports, and to run credit card processing transactions manually through a virtual terminal as well.
Accept Checks Online with eCheck.net
Merchants that add Authorize.net's eCheck.net payment solution will be able to accept and process electronic checks directly from their website and through their virtual terminal. eCheck.net is not included in the pricing for an Authorize.net payment gateway and merchant account. However, merchants may easily add this service.
Accepting checks online is as easy as accepting credit cards online. All you have to do is collect information from your customer's check just likeyou do for their credit card. The check information is then processed automatically just as though was entered by the customer on your website.
If it is obtained through the mail or over the telephone then you just log into your virtual terminal and enter the check information. Checks are handled in the same way that credit card transactions are handled. When the transaction is settled, Authorize.net debits the customers checking account by way of the Automated Clearing House (ACH). The money is then deposited into your checking account. The eCheck.Net system notifies you of failed debit attempts, including "Not Sufficient Funds" returns.
This system is great for businesses that need the ability to do recurring billing. Subscription services, Internet service providers, membership companies, health clubs, and tanning salons are all businesses that can benefit from the ability to do recurring billing to their customers.
Merchant Account Definitions
What is an online payment gateway? The Authorize.net online payment gateway is an Internet based system that allows a merchant to obtain authorization and draft capture services from the authorization network. Online payment gateways are Internet connections that reside on or near the Internet foundation; online payment gateways are connected to today's existing banking networks to do online credit card processing. The Authorize.net payment gateway has servers that receive credit card processing transactions from various Web sites and convert (decrypt) the encrypted message format to a standard bank network message format for credit card processing. The Authorize.net payment gateway sends and receives credit card authorizations and settlement requests from commerce enabled Web sites.
What is a shopping cart? Shopping carts allow consumers to shop electronically, usually with an online catalog or text based list of choices. Selected items are gathered into a shopping cart (a temporary database) where the pricing is calculated. The shopping cart then connects to an online payment gateway and passes the credit card processing information securely to the gateway for authorization.
First Data Independent Sales provides the Internet merchant account and Authorize.net provides the online payment gateway. First Data Independent Sales maintains one of the highest merchant approval rates in the industry.
- Click the graphic above to apply for an Internet merchant account and Authorize.net gateway
- Apply with confidence knowing your information is protected by VeriSign® data encryption security
- Have a business check (so we know where to deposit your money)
- Have your Federal Tax ID Number, Sole proprietors may use their Social Security Number
- Have a Visa MasterCard American Express®, or Discover® Network card ready to pay the set up fee
- Get an approved merchant account instantly!
IMPORTANT- Authorize.net will bill you for your monthly online payment gateway fee and for part of your transaction fees separately from your credit card processor.The pricing that shows at the end of the application is for your Internet merchant account only. Authorize.net will bill you for your monthly online payment gateway fee and for part of your transaction fees separately from First Data Independent Sales.