In person.
Take payments at your counter, service location or on the go with suitable terminals and POS options.
Accept cards wherever you do business
Online.
Give customers a way to pay through your website or a supported hosted payment experience.
By phone.
Enter authorized remote payments through a browser-based virtual terminal.
On a recurring schedule.
Set up supported repeat billing for subscriptions, memberships or ongoing services.
What happens when a customer pays?
Payment details are captured.
The customer presents a card or provides payment information through your chosen payment experience.
Authorization is requested.
The payment system asks the card issuer whether to approve the transaction. An approval is not the same as money reaching your bank account.
The transaction is submitted for settlement.
Approved transactions move through the applicable clearing and settlement process.
Your business receives funding.
Funds are paid out according to your account terms, subject to applicable fees, adjustments or holds.
Choose hardware for the way you sell
A countertop terminal, mobile reader and POS system serve different workflows. Consider where staff take payments, whether the device needs to move, and how sales information fits into your daily operations.
Chip, contactless and swipe acceptance depend on the device and processing setup. Review compatible hardware before choosing equipment.
Build the right online payment experience
A payment gateway connects your checkout or payment interface with processing services. A payment link can direct customers to a hosted payment page, while a virtual terminal lets your team enter authorized payments remotely.
Choose the tools you need for your sales process instead of assuming every business needs the same checkout.
Make sense of interchange-plus pricing
Interchange-plus pricing separates interchange from the provider’s processing markup. Network charges and other applicable fees can also contribute to the total cost.
To compare offers, look at your sales volume, transaction sizes, card mix, payment channels and the complete agreement. A quoted rate alone does not describe every cost.
Treat security as part of the setup
Choose the right payment flow.
Understand how your selected hardware, checkout or virtual terminal handles payment data.
Confirm available controls.
Ask which fraud tools and account-access controls apply to your solution.
Understand your responsibilities.
PCI requirements and operational practices depend on how your business accepts and handles payment information.
Payline can help you identify the questions to review with the applicable provider. No payment tool eliminates every security or dispute risk.
Credit card processing questions, answered
The payment system requests authorization, then eligible transactions are cleared and settled. Your provider funds your business according to the account agreement.
The total depends on your transaction activity, pricing model, payment tools and applicable fees. Review a quote and agreement against the way your business actually accepts payments.
It is a pricing structure that separates interchange from the provider’s markup. Other charges may still apply, so compare the complete fee schedule.
Funding timing depends on your approved account terms, transaction submission, banking schedule and any applicable review or hold. Confirm the schedule for your specific account.
Yes, businesses can use both channels with a compatible, approved setup. Hardware, gateways and reporting should be evaluated together when planning the solution.
Online and many remote payment experiences use gateway technology. It may be included in the service you choose rather than purchased separately.
Some can, subject to industry eligibility and underwriting. Payline helps explore appropriate processing options without promising approval. Explore high-risk accounts.
Put card payments to work for your business
Tell us where and how you sell. We’ll help you explore your processing options.