Alpena Credit Card Processing

Alpena credit card processing is offered through Card Solutions International's Alpena Merchant accounts.

Alpena Credit Card Processing Benefits

For businesses both big and small, Card Service International offers the following benefits for their Alpena Merchant account holders:

• The ability to accept debit and ATM cards
• Offers wireless terminals
• Gift card acceptance
• 24-hour customer service in 140 different languages
• The ability to pre-approve checks
• The ability to accept credit cards online
• Fraud protection through LinkShield
• Alpena Merchant account representatives will work with you to help lower your credit card processing rates and fees.

Types of Credit Cards Accepted

With your Alpena Merchant account, your business will be able to accept the following types of credit cards:

• MasterCard
• Visa
• American Express
• Diner's Club International
• Discover Cards
• JCB Cards
• PIN based debit cards
• Signature based debit cards
• Gift cards

Types of Alpena Credit Card Processing Accounts

Card Service International offers merchants four different ways to accept credit cards.

• Internet – If you would like to accept credit cards via the Internet, apply for Card Service International's Internet credit card processing account.
• Retail or Restaurant – Offers Point-of-Sale credit card processing systems for your retail or restaurant business.
• Mail or Phone orders – If you are looking to accept orders by mail or phone, open the Mail/Phone Order credit card processing account.
• Wireless – If your company accepts payments "out in the field" open a convenient wireless credit card processing account.

Ease of Application

When you apply for credit card processing through a bank or other financial institution, you have to provide them with your business plan, business license and your credit report. If you have bad personal credit, this can lead you to getting your credit card processing application for your business denied. Alpena merchant accounts do not require you to have an unblemished personal credit history to get approved for a credit card processing account. Most applications are processed and approved within 48 hours and you can begin accepting credit cards on the same day your application is approved.

Fraud Protection

If you are worried about credit card fraud, Alpena credit card processing accounts offer fraud protection through LinkShield. The process works as such:

• Merchants receive a fraud rating – When the credit card is swiped at the time of purchase, the merchant receives a fraud rating. This rating is a numerical measurement of the likelihood of the credit card being a fraudulent or stolen card.
• Visa, MasterCard and Secure Code verification – These verification processes ensure that the person whom is using the cards is the actual cardholder.
• Account monitoring – Card Service International offers its Alpena Merchant account holders account-monitoring services. The Loss Prevention department monitors merchant accounts for unusual transaction activity.

The Benefits of Accepting Credit Cards

There are many benefits to accepting credit cards at your place of business. According to statistics from Paynet systems consumer credit card usage is on the rise.

• 52% of all purchase made in the United States are done so with credit and debit cards. *Only 11% of purchases made are done so by check.
• Debit card purchases are growing at a rate of 50% per year.
• Credit card usage has grown an average of 15% per year since 2004.
• Paynet estimates that businesses forgo up to 80% of consumer impulse purchases by not accepting credit and debit cards.

Conclusion

It is a fact that today's consumers are carrying cash and writing checks less and less frequently. Credit and debit cards are simply more convenient than writing checks and safer than carrying around a lot of cash. Accepting credit cards is just another avenue for your business to make a profit. The costs of having a merchant credit card processing account are far outweighed by the benefits.

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