CardSmart Merchant Services
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Credit Card Processing

Accepting credit cards at your business is simple to get started. Get a merchant services quote now. Find out why CardSmart may be the right choice for you and your business. There are different types of merchant accounts depending on your business type and needs.

Retail Credit Card Processing

A retail merchant account is for businesses with actual store-fronts where customers come to purchase goods or services. These transactions are usually made in person with an actual card, card-present.

Wireless Credit Card Processing

This is a retail merchant account for the merchant who is mobile, one that goes to the customer. Wireless terminals utilize either Verizon or ATT networks to connect to the processor. Read more about Mobile Merchant Accounts.

Online Credit Card Processing

Businesses who sell products and services via the internet must apply for an e-commerce merchant account. These transactions are performed with no face-to-face customer interaction. These are card-not-present transactions, there is no card to physically swipe. Due to the increased risk associated with these types of transactions, the rates are always higher than card-present qualified rates.

MOTO Credit Card Processing

A business who primarily accepts order via the mail or telephone must apply for a MOTO (Mail Order, Telephone Order) account. This is a card-not-present merchant account type. The rates for this merchant account type are higher than a Retail merchant account due to the increased risk.

Mobile Credit Card Processing

Mobile credit card processing allows credit cards to be processed through a payment gateway on a mobile smart phone. Doing so requires special software or "apps" to be installed on the phone and the phone must be within a coverage area to process cards. Most apps require the use of a specific payment gateway and are offered by that vendor. Depending on a client's preferred or current gateway, they must research which applications are available for them to use.

Four solutions avialable are: Credit Card Terminal (CCT), PAYware Mobile (PWM), USAePay, and ProcessAway (PA). Credit Card Terminal requires the use of Authorize.net. PAYware Mobile must be used with the PayWare Connect gateway. USAePay must be used with USAePay gateway. Process Away allows integration with Authroize.net and Authorize.net emulators.

CardSmart Guarantee

CardSmart Merchant Services will replace or repair your credit card terminal for free as long as you process with our company.
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CardSmart Advantages

©2010 CardSmart Merchant Services, Inc.
CardSmart Merchant Services, Inc. is a Registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA
American Express requires separate approval.
Call 877-342-2218 to speak with a knowledgeable representative now.

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