Payment Processing

Payment Processing Services

As customers demand merchants everywhere accept credit cards, merchant are required now more-than-ever to offer more convenient options for payment processing. Switch Commerce leads the payment processing industry in speed, reliability and security through state-of-the-art credit card processing technologies, superior 24-7 customer support and equipment.

Whether a merchant needs to process transactions at their retail location, at a job site or in an e-commerce infrastructure, Switch Commerce will walk you through choosing the right product or combination of products to reach the right business solution. With Switch Commerce expect unparalleled flexibility and a better model for a round-the-clock stateside support.

Set Up Your Merchant Account Now

Look to Switch Commerce to set up your merchant account with payment processing options as stationary or as portable as your business itself. Whether you’re in need of retail, mobile or internet merchant services account, we can quickly set you up with the hardware and infrastructure required to get you transacting right away.

Our merchant application process is efficient, so you can begin accepting payments by credit card as soon as 24 hours. As the business owner there are a few essential documents to have in-hand to assist you in opening your account. Complete the online application and Switch Commerce will take care of the rest.

Payment Processing Benefits

Quality customer service is critical to the success of any business. When credit cards can’t be approved, sales stop and that’s why all of our payment processing services are backed by our singular 24-7 customer support. You will find the help you need, any time day or night.

As part of our ongoing commitment to your success, we will work alongside you to increase your sales and efficiency while reducing your risk and protecting you against fraud. Switch Commerce gets you the best qualification rates from Visa and MasterCard and can get you accepting credit cards and receiving funds within 24 to 36 hours.

Payment Processing Options

Switch Commerce offers a variety of payment processing options that will coordinate with your industry and the latest in point-of-sale equipment and technology. A merchant account is the only way to offer customers convenient payment processing while ensuring a seamless experience for your organization on the back-end.

  • Credit Processing

    Switch Commerce will help you match credit card technology to your current industry products and service needs. Having the ability to accept credit cards with access to the major card brands like Visa and MasterCard allows you to increase your cash flow while reducing costs associated with cash and checks. Recent studies have shown that credit card spending is two and half times higher than when customers use cash. Use your merchant account as an opportunity to create a steadier flow of business and a more loyal customer base for every sale.

  • Debit Processing

    Customers concerned with closely managing personal debt have made debit transactions their preferred form of payment. With debit card acceptance, merchants are free from the risks and hassle of checks. Plus, since debit card transactions are less expensive to process than credit transactions, you’ll save money and put more profit in your pocket. Debit card processing typically involves two kinds of transactions, namely PIN-based and signature-based.

    • PIN-based debit card processing (Online)

      During a PIN-based transaction the risk of fraud is reduced and using a PIN provides a cash back option to the cardholder. As a merchant you must be set up specifically to handle these types of transactions through your merchant account and must have special hardware to accept the PIN entry.

    • Signature-based debit card processing (Offline)

      This is similar to a credit card transaction. If the card has a branded logo such as Visa or MasterCard than the card may be processed by simply swiping it through a credit card terminal with the customer providing a signature as in a credit card transaction.

  • Internet Payment Processing

    Easily process credit and debit cards online, swipe cards for in-person transactions, convert paper checks to electronic bank deposits and stay connected to your website’s shopping cart. With our virtual terminal you can provide recurring billing to your customers, print and send customizable receipts and have 24-7 access to free reporting. When your business needs to sell products and services online, this type of account typically offers a mid-range discount rate and medium to higher monthly fees.

  • SwitchPay – Mobile Payment Processing

    SwitchPay offers the most secure mobile solution in the industry with no additional processing fees. You pay the same rate that you pay on a credit card terminal and you get the industry’s most secure equipment and payment processing services that includes on-the-spot credit card processing with a lightweight swiper that can slip into any pocket.

  • MOTO – Mail or Telephone Order Processing

    Accepting credit cards by telephone or mail has never been easier or more secure. MOTO transactions are perfect for take-out restaurants, florists, catering companies and other businesses that do not have access to swipe a credit card on a terminal. When processing a MOTO transaction your terminal equipment or virtual terminal will prompt you to enter the cardholder’s information helping to eliminate fraudulent purchases.

  • Wireless Payment Processing

    New wireless credit card processing technology increases sales, saves time, reduces operating expenses and offers new flexibility and opportunities for all merchants, but particularly those whose business takes them outside the traditional bricks-and-mortar establishment. No more need to have a second phone line or to rent phone lines at remote venues.

  • EBT Processing

    Electronic Benefits Transfer (EBT) cards are stored-value cards issued by a government agency to distribute money for food, clothing and living expenses to a recipient enrolled in a special program (Social Security, military, low-income programs, etc.). As more federal and state government agencies distribute benefits using EBT cards, your business needs to be equipped to handle EBT transactions. Switch Commerce offers multiple payment options (credit, debit, EBT and more) all in one convenient terminal at each point of purchase, rather than requiring separate payment devices for both credit and EBT.

  • Check Processing

    Switch Commerce offers a check services solution giving you the ability to authorize and guarantee a check payment and covert checks to ACH with the ability to deposit checks at their office and providing them same day funds availability. You can save time, money and the hassle of depositing checks via mail – no more trips to the bank.

  • Gift Card Processing

    Increase sales opportunities by promoting your own branded pre-paid gift card for your customers to purchase or to apply credit and returns on a gift card that can only be used in your store or business.

  • Loyalty Card Processing

    Increase your profitability and strengthen you customer’s loyalty with simplified loyalty program management. A loyalty card monitors your customer’s dollars spent and applies the point they earned as a reward. You can customize the reward and point levels as you desire. You and your customers can access their reward and point balances online.