National Card Solutions – The Top Credit Card Processing Company In America

We offer the best credit card processing company in America. We have maintained our leading position in the industry by ensuring that our payment processing systems and products are reliable and budget-friendly. In a time where customers demand for cashless transactions, we pave the way for seamless and hassle-free transactions. Inspired by the fact that the number of card users double each year as customers demands for faster and more convenient payment options, we make it our mission to help as many business owners as we can. Processing card payments can be a complicated procedure.
Hassle-free America Card Payment Systems for Any Business

As the top credit card processing company in the USA, it is our top priority to ensure that your customers can easily buy your merchandise with one swipe of their card. We are after the satisfaction of your clients, so we constantly upgrade our systems to avoid any lags especially in uploading your customer’s card information. Regardless of the type of business that you run, it’s crucial to open card payment options for your customers. No matter if you need payment processing systems for websites or a brick and mortar business, we can help you out. Below are the products we offer to our partner merchants:

• POS Devices and Terminal
• Virtual Gateway Terminals
• Wireless Payment Terminals

Our specialists are trained to help with any of the products above. We also cater to businesses who need card payment processing for over the phone transactions. In case you don’t know which type of products or services work best for your needs, you can easily consult with our team.
Debit Card Payment Processing for Your Business in United States of America

More consumers use debit cards to make a purchase. Unlike the usual credit, consumers have more control over their purchases, because they only get to spend the available funds in their checking account. If your business is not catering to this market yet, then you are losing a lot of potential revenues. Because it is projected to continuously increase over the years, it’s important for businesses to offer a debit card payment option to its consumers. It’s the best solution especially for impulsive buyers who got swayed by your products or services.
Provide More Value to Your Customers with Gift Cards in America

Businesses today are starting to embrace the use of gift cards to promote customer loyalty and to improve brand visibility. Gift cards help you build solid relationships with your customers and entice new ones to try your offers. If you want to provide more value to your consumers, you should consider issuing your own gift cards as well. It’s a form of advertisement and lead magnet rolled into one. It is truly a lucrative business. If you want to give more value to your existing customers, we highly recommend issuing your own gift cards.
Low Credit Card Processing Fees in America – Guaranteed!

Card processing will cost you money. The interchange fee is set by the issuing bank, while the card brand fee is computed by companies like Visa, Mastercard and American Express. Payment processing companies such as the National Card Solutions charge the flat rate fee. Instead, we make sure that you enjoy the best solutions for the most reasonable price. We will be happy to discuss the markup, interchange and other possible types of fees included in each payment.
How We Help SMEs Who Want to Use Credit Card Processing Transactions in America

Our POS devices and terminals, virtual gateways, online payment processing systems and mobile payment processing devices have helped innumerable merchants in the city. Unknown to many, there are a lot of processes involved in card payments. When a card is swiped on the reader, the information is obtained for the verification process. Once the reader verifies the information, it contacts the issuing bank for the payment. We strive to provide the best merchant services for small businesses from all over the United States of America.

Why You Should Chose Our Purchase Payment Processing Solutions in America

Hundreds of our customers can attest to our superb payment processing solutions. We strive to cater to all kinds of businesses in America. Our team actively checks the newest payment processing terminals and our existing processing programs to ensure that every customer information and transaction detail are transmitted properly by the receiving system. We are known for our complete transparency, most especially with the service fees and other costs involved in processing card payments.

It doesn’t matter how big or small your business is or what types of cards you want to process. If you are unsure about the product or payment channel you need, you can freely contact any of our dedicated staff to guide you. We have the perfect products and services, no matter what type of cards you wish to accommodate for your business.

Call to Enjoy the Best Merchant Services in the United States of America Today!

Our credit card processing company in America remains in the leading position. As one of the metro’stop payment processing companies, you can expect nothing but top-notch deals from our team. We are dedicated to maintaining an unblemished reputation by continuously and consistently providing quality America payment services to our clients. Pick up the phone and tell us about your card payment processing needs today!

National Card Solutions – The Top Credit Card Processing Company In America

As the most trusted credit card processing company in America, we make sure that our terminals and software are free from glitches or any other problems. As a fellow business owner, we understand the importance of having a reliable payment processing system, especially for purchases made using a credit or debit card. We at National Card Solutions provide the best payment terminals and systems and no matter how small or big your business operation is, we can surely provide the appropriate card processing solution. We offer our solutions at fair rates, and we are always prepared to explain to our customers how our devices can be used to collect and process card payments. Trust us to recommend the best card payment products and services for your business.
Card Processing Company America Businesses Choose

We continue to be the number one credit card processing company in the USA. Merchants who are new to card payments sometimes have issues in understanding how the process works. We constantly upgrade our systems and seek the latest gadgets and terminal used to process card payments. Some of the solutions we offer are as follows:

• Wireless Payment Terminals
• Virtual Gateway Devices
• POS Equipment and Terminal

Our specialists are trained to help with any of the products above. We also cater to businesses who need card payment processing for over the phone transactions. In case you don’t know which type of products or services work best for your needs, you can easily consult with our team.
Most Trusted Debit Card Processing Company in the United States of America

Customers nowadays have more options to purchase a product or service. This type of card is as good as cash. Unlike credit cards, these cards are funded, so you can readily deduct the amount needed on the spot. At National Card Solutions, we can set up processing devices and software that will enable you to accept payments from debit cards online, at your store or over the phone. You can select from various devices and terminals.
Provide America Prepaid Gift Cards to Promote Your Business

Businesses today are starting to embrace the use of gift cards to promote customer loyalty and to improve brand visibility. They are issued by a large number of establishments in America to entice customers to keep on coming back for their products or services. If you want to provide more value to your consumers, you should consider issuing your own gift cards as well. Our gift cards can surely help you grow the number of your loyal and happy customers. Apart from being the number one debit and America credit card processing company, we also strive to provide the best gift card solutions to our partner merchants.
Economical America Credit Card Processing Fees

There are a lot of fees involved in processing a card payment. You are required to pay the card association fees, interchange fees and transaction fees. While we do not have control over the interchange fees because there are charges imposed by the bank and card association, you can rely on us to charge flat monthly fees for the processing services. We never take out a large fraction of hard-earned money of our partners. If you want to learn more about the applicable fees for every transaction or for every type of credit or debit card, you can freely consult with our staff. We keep our costs low to help more small and medium enterprises (SMEs) to grow their business.

How We Enable Business to Use Debit or Credit Card Processing Devices and Systems in America

Our POS devices and terminals, virtual gateways, online payment processing systems and mobile payment processing devices have helped innumerable merchants in the city. As an SME owner, you have an extensive selection of card processing options. Customers today give a lot of value into businesses that can offer smooth and stress-free transactions. We know it’s hard to understand the card payment process. As the leading credit card processing specialist in the United States of America providing the best merchant services for small businesses it is our mission to provide helpful solutions like POS terminals or online payment systems. Upon your request, we can discuss the process and the costs involved.

Why You Should Chose Our Purchase Payment Processing Solutions in America

National Cards Solutions is among the leading credit processors in America. We strive to cater to all kinds of businesses in America. Our company is also known for our dedication to helping customers who are new to credit or debit card processing service. We understand it’s a great leap to welcome card payments because of the costs.

Our company offers the widest selection of products and payment terminals that can be used for various types of businesses. Our software and systems are also highly advanced to help you facilitate uninterrupted card transactions. You can talk to our staff to find out how we can help you with your business.
Call to Enjoy the Best Merchant Services in the United States of America Today!

As the most versatile credit card processing company in America, we work hard to provide best value deals to our customers. As one of the metro’stop payment processing companies, you can expect nothing but top-notch deals from our team. Call us and we will be happy to discuss how a credit or debit card processing device or terminal can help you propel your business forward. We have hundreds of happy customers who continue to enjoy successful card transactions because of our top-notch terminals. Pick up the phone and tell us about your card payment processing needs today!

Your Friendly and Dedicated Credit Card Processing Company In America

Finding a good credit card processing company in America is paramount to the success of any type of business. Today, a lot of customers prefer using cashless payment options because they deem it safe and convenient. This makes having a credit card or debit card processing machine incredibly important. We at National Card Solutions provide the best payment terminals and systems and no matter how small or big your business operation is, we can surely provide the appropriate card processing solution. Our goal is to ensure that your customers have a quick and smooth transaction when they use their cards to purchase any of your products and services. We will make sure that your client’s card information, payment details and authorization are processed as quickly as possible.
Reliable Credit Card Payment Processing in America for Your Business

As your dedicated credit card processing company in the USA, we make it our number one business to provide you with reliable products and services. Our payment systems will allow you to facilitate quick and hassle-free transactions. We constantly upgrade our systems and seek the latest gadgets and terminal used to process card payments. Some of the solutions we offer are as follows:

• Point-of-Sales(POS) Devices and Terminals
• Virtual Gateway Terminals
• Wireless Payment Terminals

No matter what product or service you choose above, we can help you set them up for an affordable fee. At National Card Solutions, we have a friendly staff who you can easily consult with if you have any questions about our devices, terminals and monthly charges. We can also help you set up online or mobile card payment channels for your eCommerce shops.

Choose the Best Debit Card Payment Processing Company in United States of America

A lot of consumers prefer using debit cards when they make a purchase. While it’s easy to obtain a credit card, more consumers prefer to use debit cards to avoid overspending. Unlike credit cards, these cards are funded, so you can readily deduct the amount needed on the spot. This type of card is good as cash. If you haven’t started to cater to debit card payment, you must reconsider.
Offer Value Using Awesome Gift Cards in America

Offering gift cards is a brilliant way to get more customers and strengthen customer loyalty. Gift cards help you build solid relationships with your customers and entice new ones to try your offers. Apart from growing your revenue, it can also help you build stronger ties with your customers. You can either send them as gifts or sell them to encourage your buyers to give the gift cards to their loved ones. As the finest America credit card processing company, we can help you get the best gift cards for your business.

Debit and Credit Card Processing Fees in America that You Can Afford

Card processing will cost you money. While we do not have control over the interchange fees because there are charges imposed by the bank and card association, you can rely on us to charge flat monthly fees for the processing services. Moreover, we provide a detailed breakdown of the costs per transaction. We don’t want you to worry about making a revenue because of our fees are too high. To know more about the processing fees, you can talk to one of our dedicated staff.
How Our Credit Card Processing Solutions Helps Merchants in America

Small and Medium Enterprises (SMEs) comprise the largest percent of businesses in the U.S. Today, more SMEs are embracing card payment for their products and services. Sometimes, glitches happen, especially if there is an issue with the card or if there are lapses in the payment processing software, but our job is to ensure that your transactions are fast, secured and uninterrupted, so you can maintain the trust of your customers. It is our number one goal to avoid any glitches when a customer chooses card payment for his or her transaction. Our job as a provider of the best merchant services for small businesses in the United States of America is to ensure that the payment process is quick and effective. Upon your request, we can discuss the processes and the costs involved.
Why We Are the Best in Wat We Do in America

Hundreds of our customers can attest to our superb payment processing solutions. We are best known for our fast payment processing and affordable fees. Our team actively checks the newest payment processing terminals and our existing processing programs to ensure that every customer information and transaction detail are transmitted properly by the receiving system. We assure you that we offer the most reasonable monthly rates for our card processing solutions.
All our terminals and card readers are of the highest quality. Our team welcomes any questions and concerns. You can talk to our staff to find out how we can help you with your business.

Contact Today for All Types of Merchant Services in the United States of America

Our credit card processing company in America remains in the leading position. As one of the top payment processing companies in the metro, you can expect nothing but exceptional solutions from our team of debit and credit card specialists. Call us and we will be happy to discuss how a credit or debit card processing device or terminal can help you propel your business forward. Contact us today and we will help you with your online or mobile payment channels, over-the-phone card transactions and store purchases.

The Most Outstanding Credit Card Processing Company in America

A good credit card processing company in America ensures that your customers are happy with the payment transactions they make using their cards. As a business owner, it’s essential to find the right card processing company. At National Card Solutions, we offer the best payment systems and card processing devices. We offer our solutions at fair rates, and we are always prepared to explain to our customers how our devices can be used to collect and process card payments. Trust us to recommend the best card payment products and services for your business. We can help you cater to more customers who prefer making purchases using their credit or debit cards.

America Card Payment Processing Company Businesses Trust

We continue to be the number one credit card processing company in the USA. Many businesses in the country offer card payments to their consumers so it is important that yours is able to provide the same. We ensure confidential and encrypted transactions for better security. At National Card Solutions, we offer a wide range of products and services. Some of them are:

• POS SystemsPlus Terminal
• Virtual Gateway Terminals
• Wireless Payment Terminals

If you want to know which among the products above should be used for your business operations, you can immediately contact one of our staff. We also cater to businesses who need card payment processing for over the phone transactions. In case you don’t know which type of products or services work best for your needs, you can easily consult with our team.

Most Trusted Debit Card Processing Company in the United States of America

Customers nowadays have more options to purchase a product or service. Unlike the usual credit, consumers have more control over their purchases, because they only get to spend the available funds in their checking account. Today, customers in America also use their debit cards to pay their purchases. Our team at National Card Solutions can set up a payment system that can cater to both debit and credit card for a fair price. Our card payment specialists will help you set up the devices, terminals and software needed.

Offer Value Using Awesome Gift Cards in America

Gift cards are quite popular because they are a convenient choice for consumers who can’t decide what kind of present they can give to their loved ones. If a customer decides to use the card to make a purchase, he or she can readily swipe it at the counter. Customers can immediately use their gift cards to purchase an item. They can also add more money on top of their card’s denomination to purchase a product they have been eyeing on for months. Gift cards can help you market your business, most especially when they are given by your customers to their families and friends. The total number of gift cards issued in America is projected to continually increase in the years to come. We are the number one America credit card processing company who can help you create the right type of gift card offers for your most valued customers.

Debit and Credit Card Processing Fees in America that You Can Afford

There are a lot of fees involved in processing a card payment. You are required to pay the card association fees, interchange fees and transaction fees. The interchange fee is set by the issuing bank, while the card brand fee is computed by companies like Visa, Mastercard and American Express. We keep our card processing devices and systems affordable. If you want to learn more about the applicable fees for every transaction or for every type of credit or debit card, you can freely consult with our staff. In case you want to know more about each fee included in a typical card transaction, you can consult with our friendly and approachable staff.

How Our America Credit Card Processing System Works

Small and Medium Enterprises (SMEs) comprise the largest percent of businesses in the U.S. Today, more SMEs are embracing card payment for their products and services. As an SME owner, you have an extensive selection of card processing options. Regardless if you need to process payments made online, through mobile devices or through phone transactions, we can provide you the right products within a reasonable time frame. Aside from helping you set up payment channels, we are also committed to helping you figure out the best card processing devices for your business. We will gladly explain the card payment process in great depth to help you set your expectations for every transaction. As the leading credit card processing specialist in the United States of America providing the best merchant services for small businesses it is our mission to provide helpful solutions like POS terminals or online payment systems. We will explain the process and fees involved and other pertinent details upon your request.

Why We Lead the Card Processing Industry in America

National Card Solutions is among the leading credit processors in the city. We strive to cater to all kinds of businesses in America. Through our top-quality solutions, we have enabled innumerable businesses to welcome more customers. We are known for our complete transparency, most especially with the service fees and other costs involved in processing card payments.

We offer the most advanced payment devices and systems for any type or size of business. With our card payment solutions, you can welcome more customers who are after convenience and secured transactions. Our team of professionals are here to set up the right solutions once we understand what your business needs.
Call Us for Any Type of Merchant Services in the United States of America

We are the top debit and credit card processing company in America. National Card Solutions is the best among all the city’s top payment processing companies. We are devoted to helping every business ownerthat approaches us for card processing solutions. Get in touch with us!

National Card Solutions – The Top Credit Card Processing Company In America

National Card Solutions is the top credit card processing company in America. Over the years, we have assisted a great number of customers in the city. At National Card Solutions, we offer the best payment systems and card processing devices. We offer an extensive range of card processing equipment and systems that will cater to business of any scale. Trust us to recommend the best card payment products and services for your business.
America Card Payment Processing Company Businesses Trust

We are the leading USA credit card processing company. Our payment systems will allow you to facilitate quick and hassle-free transactions. Our advanced systems work for all kinds of transactions. No matter if you need payment processing systems for websites or a brick and mortar business, we can help you out. Below are the card payment solutionsthat we provide at our company:

• POS Equipment and Terminal
• Wireless Terminals
• Virtual Gateway Terminals

If you want to know which among the products above should be used for your business operations, you can immediately contact one of our staff. We have an extensive selection of POS systems, credit card terminals, virtual payment systems, and mobile payment processing systems. We promise to help you find the perfect product or service.

Make Debit Card Payment Possible for Your Business in United States of America

A lot of consumers prefer using debit cards when they make a purchase. This type of card is as good as cash. Today, customers in America also use their debit cards to pay their purchases. Processing payments for this type of card is just the same with credit cards but it can have higher interchange fees if the customer only pays via web or mobile payment terminals. It’s the best solution especially for impulsive buyers who got swayed by your products or services.
Offer Awesome Gift Card Optionsfor Your Customers in America

Offering gift cards is a brilliant way to get more customers and strengthen customer loyalty. Gift cards help you build solid relationships with your customers and entice new ones to try your offers. Customers can immediately use their gift cards to purchase an item. They can also add more money on top of their card’s denomination to purchase a product they have been eyeing on for months. Gift cards can be given as presents during special occasions, and customers can use it to instantly make a purchase or save it for later until they already have a target product or service to purchase. We are the number one America credit card processing company who can help you create the right type of gift card offers for your most valued customers.
The Most Affordable America Credit Card Processing Fees

A lot of business owners shy away from installing card payment systems in fear of the large processing rates they need to pay the card brand, the issuing bank and the card payment processing company. We at National Cards Solutions make it our business to provide reasonably-priced products and services. Moreover, we provide a detailed breakdown of the costs per transaction. In addition to our reasonable payment processing fees, we guarantee to charge the right price for the card reader devices and payment terminals. We keep our costs low to help more small and medium enterprises (SMEs) to grow their business.
How We Help SMEs Who Want to Use Credit Card Processing Transactions in America

Typically, processing a credit card or debit card payment only takes a few minutes. It’s designed to work quickly to avoid any inconveniences on the part of the merchant and the customer. As an SME owner, you have an extensive selection of card processing options. Our job as a provider of the best merchant services for small businesses in the United States of America is to ensure that the payment process is quick and effective. Upon your request, we can discuss the processes and the costs involved.

How We Maintain Our Leading Position in the Card Processing Business in America

National Card Solutions is among the America leading credit processors. This is why when you search for “leading credit processors in America”, you can find National Card Solutions included in the list. We have been dedicated to maintaining our leading position in this industry. We are best known for our dedication and commitment to every business we assist, our quality services and our fair rates.

Our payment systems are the most advanced in the city. We got you totally covered. We have the perfect products and services, no matter what type of cards you wish to accommodate for your business.

Contact Today for All Types of Merchant Services in the United States of America

Our credit card processing company in America remains in the leading position. As one of the metro’stop payment processing companies, you can expect nothing but top-notch deals from our team. Call us and we will be happy to discuss how a credit or debit card processing device or terminal can help you propel your business forward. We have hundreds of happy customers who continue to enjoy successful card transactions because of our top-notch terminals. Give us a call, and we will provide you with every bit of information that you will need to make a sound decision.

It takes thousands of learning hours to know about industry of payment processing so that the valuable information can be later shared with businesses. One-size-fits-all solution is not practically possible. Please have a glimpse on the below mentioned recommendations or credit card processing reviews for various business needs and know about what each processor provides.

Best Flexible Terms- Go for No Early Termination and No Contract fees

 

A credit card processors offering services for month-to-month basis, without any lengthy contract and early termination fee is highly valued. It means basically that you may discontinue their services at any point of time without being burdened with heavy fees. It is very frustrating to get trapped with a service provider over a lengthy contract that’s not meeting your needs. You must focus on purchasing your equipment instead of taking lease or accepting free equipment placement program or free equipment offers, since that would need you to engage in a contract.

 

You must select companies which do not apply a gateway setup fee or setup fee. Some of these processors will be happy to set up your account in one or two days, without charging an annual fee. You will be assigned a dedicated account representative for providing 24/7 customer service and holding a direct contact with the company.

 

Best Flexible Pricing – Search for Multiple Pricing Models

 

Some credit card companies offers tiered pricing, which can turn as one cost-effective solution for your company in case debit card transactions makes a large part of the monthly volume. If you opt for tiered rates, you must be aware about the number of tiers present, the rates are for each tier, cards falling in each tier. Usually processors offer three tiers – for debit and credit cards: qualified, non-qualified and mid-qualified.

 

A pricing model most experts prefer for maximum savings are a combination of card types including rewards, government or corporate, or international credit cards, which can be more cost effective in case of interchange-plus pricing.

 

Best Pricing for Basic EMV Terminals – No Leasing and Low Prices Contracts

 

Select processors which offer the best affordable prices over basic EMV terminals since merchants need to have EMV-certified equipment after the implementation of EMV regulations since October 2015. For a small business owner it is a savvier move to purchase equipment, as lease entitles you for a non-cancellable and long-term contract. Leasing programs may seem less-expensive at the beginning, but merchants often have to pay more times the price of equipment purchase by the end of the lease.

 

“Free equipment placement programs” and “free equipment offers” are exciting deals many credit card processors offer, but it includes contract obligation comprising of an early termination fee and you need returning the equipment at contract end in case you are not renewing it. So before going for such an offer, consider properly whether it’s worth the cash that you are offered before getting tied up into a contract.

 

Best Retail Credit Card Processing – Look for Interchange-Plus Pricing

 

If you are a business owner you get presented by various different cards from your customers – such as credit and debit, business and consumer, rewards or regular, even cards with mobile wallet like Android Pay or Apple Pay. So it is recommended that for accepting any payment type and best rate, select a credit card processor offering interchange-plus pricing.

While launching a new business it is better to make a plan about your business before starting it. It can help you in organizing all the important things to make your dream of small business come true. While planning to give strong base for your small business it is always better to include a reputed service provider with it which can allow you to use various options to accept payments from your customers. It can provide the best opportunity to your small business to become successful as soon as possible. A credit card processing company can be the best option for the small businesses to help them in getting larger number of customers.

 

Today, the number of people carrying cash for shopping is reducing day by day as most shoppers rely on making payments through their debit or credit cards, regardless of the size of payment. So your small business can miss the maturity of certain amount of sales if you do not include a credit card processing system in it. You cannot afford such things at any stage ether during initial days or even after establishing it well.

 

Ways of processing credit cards

 

Initially you may not know how to process credit cards in your small business to accept payments. But several credit card provider companies have made it easier for the owners of small businesses to understand this process. Some of them have also opened learning centres with comprehensive courses to guide the small business owners about the ways of accepting payments through credit cards.

 

Along with it the representatives of the merchant bank providing credit cards can also help you in getting rid of the fear of using credit cards while accepting payments at your small business. For instance, they will help you to know the kind of software and hardware you can use at your small business for accepting payments against your products, according to the type of your business. You can also clarify with them, if you have any doubt in this regard.

 

Service options for small businesses

 

Most providers of credit cards offer various types of software options for the small businesses to use as per the type of their business and their requirements. They may include software for your CRM system, accounting or making payrolls of your employees. Main purpose of these software options is to improve the performance of your business to higher level. The credit card processing machines provided by these service providers include various types of software options for small businesses to help them in smooth running of their businesses.

 

These credit card processing machines can help you in growing your small business in today’s competitive market by processing each transaction quickly as well as efficiently. Along with accepting on-the-spot payments you can also use them simply for checkout at the cash register and streamlining your transaction process by using their advanced payment technology. A small business owner can find out the advantages of these credit card processing machines just by swiping credit card easily.

 

Thus, credit card processing can be an easier way for the small businesses to increase their sales.

 

 

 

 

 

 

With smartphones, everything’s gotten so much easier. From staying in touch with friends and family, to updating social media, to doing your shopping, you’re able to do it all wirelessly and with the click of a button now. There are so many different ways that you can shop using your smartphone instead of your physical credit card, so let’s break a few of them down!

The best way to get started with shopping from your phone is to save your credit card information to the Wallet feature and to set up either Apple Pay or Android Pay. The Wallet saves your credit card information for easier shopping, and can also save things like your plane or concert tickets and your rewards cards for different stores. Apple Pay allows you to shop in real life using your phone to establish a wireless connection with the reader instead of using your physical credit card.

Apple Pay keeps your credit card information safe and secure when processing your various transactions, as it provides a unique transaction code instead of your actual credit card information. In addition, Apple requires a Touch ID confirmation before a charge to your credit card is processed via your phone. This means that even in the unlikely event someone else steals your phone and is able to bypass your password to access the Wallet or Apple Pay features, they will be unable to process any charges to your credit card since they do not have your fingerprints. This added security measure is one of the major benefits of shopping paperless and wireless.

The Wallet feature can be used when you are shopping on-the-go from your phone, meaning that when you visit a store’s website or use their app, your credit card information can be auto populated, making for a much faster transaction processing time. In addition, the Wallet can keep track of and add your rewards points after you make a purchase, both in-person and using a mobile site or app.

Many stores have made the decision to optimize their websites and online checkout processing for cell phones, so that customers can browse using wireless internet or on their data network with greater ease. Some have even taken the extra step by creating apps to shop on, which can be installed on your phone and can save your information. When you combine this with the Wallet and Apple or Android Pay features, you are able to create a one-touch checkout for an even faster purchase processing experience than before.

Overall, we’ve seen over the years that there are many ways we can use our phones, and technology is evolving every single day. Evolve along with it, and consider using your smartphone to go paperless and wireless with your credit card transactions by utilizing the efficient and time-saving features of Wallet and Pay that your phone comes with, to save yourself time and hassle in the future.

EMV Cards….. Providing Dynamic Authentication Processes
Currently, EMV (Europay, MasterCard, and Visa) chip cards are now the “trending topic” in the payments industry. EMV supplies authentications and security measures to help business owners and issuers reduce fraud. This new technology has left business owners with no choice than to educate themselves on EMV chip cards and upgrade their terminals and POS systems to accept these types of payments.
An EMV chip card is designed to go through a lot of authentications to produce additional security. All EMV chips are to go through static data authentication (SDA), dynamic data authentication (DDA), and combined dynamic data authentication and application cryptogram verification (CDA). These authentications are made possible due to the increased data byte storage, which has improved from a 26-byte maximum with mag stripe to 259 bytes of data storage on the EMV chip.
It is possible to permit the payment of a chip-based transaction using either an online or offline process. When online authorization is used, business or transaction information is sent to the card issuer for confirmation. But when an offline process is used, the information based on that transaction is transferred from the terminal directly to the chip card itself for authorization by the chip. Transaction authorization is determined by issuer-defined risk parameters stored in the chip, and not direct approval by the issuer. A hybrid process is also possible, whereby cardholder verification is conducted via offline PIN, and the transaction itself is authorized through online communication.
Online and offline authorization options both have advantages. The online authorization allows for an additional layer of security and fraud protection, since most fraud mitigation tools function online, in real-time. Online authorization also simplifies chip production, encryption key management, and merchant infrastructure, and it saves cost and reduces overall complexity. The primary advantage of allowing offline authorization is that it is consistent with global standards, ensuring compatibility and interoperability with international issuers’ payment devices. In addition, it allows for transaction authorization functionality even in the absence of online connectivity.
EMV has been successful at reducing fraud in countries that have been using this technology. EMV is being adopted at a steady pace by issuers, networks, and business owners throughout the United States. This technology will provide dynamic authentication processes in order to provide more security and protect business owners and issuers against fraud.

EMV…… The super-small computer
The United States is switching over to chip cards in an effort to curb credit card fraud. In fact, even though the United States has a quarter of the world’s credit card transactions, almost half of the world’s credit card fraud happens here. This is because magnetic-stripe cards use an outdated technology and easy for fraudsters to counterfeit. Chip cards, on the other hand, are way more secure. An EMV credit card chip is actually a super-small computer that’s extremely hard to counterfeit. When the data is transmitted during a card transaction, it’s encrypted which means even if bad guys intercepted the information, they probably wouldn’t be able to do anything with it. So as a country we’re switching to cards with EMV chips. The recent high-profile security breaches at some of the country’s largest retailers have added motivation to make the switch quickly.
The good news is, consumers are starting to adapt to the new normal — their first instinct now is to insert a chip, not swipe. In addition, Visa and Mastercard implemented new quick-chip technology last summer, to make the processing time faster for consumers. One of the biggest complaints off the bat was that EMV was too slow, taking 10-15 seconds, Now the EMV transactions have really gone back to the same speed as what it used to be with swipe transaction — from the consumer point of view, it has sped up dramatically.
Retailers, on the other hand, have struggled to get up to speed with EMV and have dealt with a variety of challenges, particularly due to vendor delays and the liability shift that has left them on the hook for chargeback.
Contactless EMV was supposed to go live last spring, but the processing rules for banks are not finalized yet. By October 2017, fuel pumps were also supposed to be EMV compliant — but due to a lack of hardware, this date has been pushed out to 2020.
For backward compatibility most merchants still accepts traditional magnetic swipe cards, although this is definitely going to change over time. However, the EMV technology of course is not a silver bullet that solves all problems. But it has proven that beyond any reasonable doubt, it’s still the best way to avert fraudulent practices when it comes to business transactions. Some food for thought as you carefully plan to take your stand on switching over to the EMV terminal.