| Pricing Information |
Industry
Standard |
OUR
RATES |
| Visa® & MasterCard® Discount Rate* |
2.39% + |
2.39% |
| Transaction Fee |
.35 ¢ - .50 ¢ Each |
.30 ¢ Each |
| Authorize.net Transaction Fee |
.10 ¢ - .50 ¢ Each |
.05 ¢ Each |
| Monthly Authorize.net Payment Gateway |
$30-$50 |
$30 |
| Monthly Customer Service Fee |
$12-$20 |
$10 |
| Credit Restrictions |
Very Strict |
Many Approved! |
 |
 |
|
Help your business grow by accepting credit cards with
our Internet merchant account and Authorize.net online payment
gateway. With an Internet merchant account and Authorize.net
online payment gateway you will be able to accept credit cards
in two different ways. First, merchants can accept credit
cards online directly from their Web site. Second, merchants will
be able to accept credit cards though a virtual terminal. FDIS 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 this 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.
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
Virtual Terminal
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 merchants have to do is collect information from
their customers check just like they do for their credit card.
That information is then processed automatically if it was entered
by the customer on the merchant's website. If it is obtained through
the mail or over the telephone then the merchant just logs into
their virtual terminal and enters the check information and runs
it similar to a credit card processing transaction. 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 the merchant's checking account. The
eCheck.Net system notifies merchants 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.
Merchants Should Consider Accepting Credit Card Payments Online
To compete in today's world merchants need to accept credit
cards to give their customer's the payment options they are seeking. Many internet users pay for their goods and services with major
credit cards. More consumers are
paying for their purchases online every day. Consumers buy
on impulse and fast online credit card processing keeps customers
interested. Online, real time credit card processing transactions
take less than ten seconds to process. Packaged applications
such as our Internet merchant account and Authorize.net online
payment gateway make it easier than ever to do business online.
Because of our low merchant account pricing it increases profitability
for merchants. Funding typically occurs within 48 hours and
helps to improve merchant's cash flow. With an Internet merchant
account merchants can sell both hard and soft goods.
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.
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