With thousands of merchant processing web sites out there on the internet, it often gets confusing as to who offers what and which is the right one for your business. ProcessingPoint’s model is a little different than most merchant providers in that we do not try to make our money in the first few months of our relationship. We believe it is important to give competitive pricing and earn our revenue from a long lasting relationship built on honest and affordable merchant services.

We offer no contract, no random fees, just great rates and service. Our competitors call this risky, we call it our business model. We are also one of the only companies in the industry that utilizes a single point of contact from start to finish so our merchants don’t have to call some 800 number and talk to someone that doesn’t know them or their business. They call their agent with any issues and we take care of it!

You'll get no "smoke and mirrors" here!

If you have a web site and processing transactions live over the internet, you need an Internet Account from SmartCard Rate.

	Single Point of Contact - No spending time on some 800 number with someone who doesn't know you or your business.
	No Hidden Fees, Cancellation Fees, Annual Fees - Just great rates all the time
	Online Reporting Tools - Our reporting tools are unmatched in the industry. Your bookkeeper will LOVE US!
	A Variety of Value Added Services - Electronic gift cards, check services, loyalty programs, ATMs.
	FREE Virtual Terminal, FREE Gateway
	Rates as low as 1.99%
	Wholesale Terminals - We do not rent our terminals to make our money, we sell them at our cost to you.

Payment Gateway
ProcessingPoint offers a freevirtual terminal for all Internet credit card processing accounts. ProcessingPoint also has special relationships with other gateways for fit your business needs and we offer the following services:

Automation at it's best!

• Sales are automatically deposited into your merchant account
• Fees are automatically deducted from your deposits
• Automatic settlements means no bills, or fines for late batches

Real-time Reporting & Statistics

• Instant, live sales reporting
• 24/7 Refund, capture, authorization reporting at your fingertips
• Advanced search, for those hard-to-find transactions

Fraud Protection & Risk Mitigation

• Experience in international payment solutions reduces your risk exposure
• Extreme focus on fraud detection, thereby reducing YOUR risk
• Loss recovery program minimizes retrievals and chargebacks

Shopping Carts ProcessingPoint works with many different gateways. ProcessingPoint realizes the need for a universally adopted payment gateway, one which supports all of the major shopping carts. Below, you will find a list of shopping carts that have been thoroughly tested to ensure 100% compatibility. By clicking through, you will find a link to the shopping carts homepage, and a short description of the services offered.

• 1stShoppingCart
  
• ShopSite
  
• osCommerce
  
• Ashop Commerce
  
• Roman Cart
  
• Stores Online
  
• CommerceHelper
  
• NightMedia
  
• Ecommerce Templates
  
• Comersus
• and many more

SSL Certificates
ProcessingPoint is not a provider of SSL certificates, but this information is merely an informational write-up on the importance of using an SSL. A secure socket layer ("SSL"), an internet protocol, is a set of specifications that allow two devices to communicate with each other via the Internet, securely. The SSL allows the web browser to authenticate with the web server using digital keys and certificates embedded in the clients browser. After a secure connection (or handshake) is made, information is encrypted on the server-side, and then transmitted securely. The SSL here, in particular ensures that the information is transmitted without being intercepted.

How do you know a site is secure?
There are a few ways in determing if a site is securely encrypted. The first method, is to look at the URL. An SSL can only work by adding an "s" to the end of HTTP, so "HTTPS" is the first sign of an SSL in use. If this is the case, your browser should been/have verified the certificate (ie: Thawte, Geotrust, etc..), to ensure the certificate is registered by a trusted CA. Lastly, your browser will check with the trustree to see if the matching domain is registered. If it is, a small lock icon will appear in the bottom right corner of your browser.

Check Programs
The Direct Debit Check Program allows Mail Order, Telephone Order and Order Direct response merchants to accept payments by check over the phone as quickly and easily as accepting credit cards. When a consumer pays by check over the phone, the operator ask for the MICR numbers and check number. Sometimes they ask for a bank name and city. This information is securely sent either in a batch via FTP or in a real-time virtual debit interface to the Direct Debit processing centre. The processor then peforms account verification and risk analysis to ensure that the banking numbers indicate a valid account and a valid check writer. When the verification process is complete an EFT (ACH) transaction is generated and the funds are transferred to the merchant's account. The ACH transaction is very similar to the function and timing of credit cards. The processor ensures compliance with all NACHA and FCRA regulations. The merchant receives a report of their transactions by logging in to our secure online reporting system.

Fraud and Chargebacks
Fraud, and consequently chargebacks are a serious threat to the online payment industry. By a slight degree, it has been shown that it decreases consumer confidence in online spending. While it only plays a small role in overall transactions, and online spending continues to grow exponentially, we have invested heavily in our infrastructure to reduce the impact, and mitigate risk in doing business online.

As a ProcesingPoint merchant, you will have access to the following benefits:

• Real-time bank authorization, which ensures that funds are available for purchases
• Transaction screening, including verification against our extensive risk-management system
• Real-time analysis to find patterns
• Suffisticated tools, which include neural network to technologies and cardholder technologies (AVS, CCV2, & micro-deposits)

Ready for more information? Click the Sign-up button below to get started.