What Makes Credit Card Processing Crucial?

 “1.06 billion credit cards in use in the United States of America” (Shift Credit Card Processing)

With multitudes of credit cards working in the country USA, a merchant needs to associate the business with the requirements too. Therefore, card payments, especially credit cards, will hold a solid ground for the business. There are different generations of consumers paying for goods, services, or merchandise. Hence, you need to accept payments from every audience.
Credit card binds every type of consumer together with ease and convenience of payments. Mobility adds to the processing of credit cards. Therefore, no more traditional ways to process the payments over the POS terminals. The new mode of online payment through credit cards is a card-not-present payment method. However, the millennials are one of the primary consumer bases of the merchant.
How does the Millenial change the aspect of Credit Card Processing?
The working environment around the globe is slowly pushing towards the particular generation. Therefore, they will form the driving force of any business. On the other hand, multiple problems surround them with the usage of credit cards. Some of them look completely like a debt. How does it change a merchant’s business?
Though it sounds out of context, a person with multiple debts over the head won’t try to pay through credit cards. However, surveys suggest that about 20 to 25% of millennial pays through credit cards even though they are in debt.
The reason for it is the convenience a credit card offers to the consumer crosses the boundaries of debt. Furthermore, the passive rewards for the purchase help the consumer exponentially. eMerchantPro’s Credit Card Processing capabilities gives a new light to a business trying to push their business forward. It allows a merchant to help 80% of the US-based audience to use their credit cards. A Business becomes quite profound when it reaches a bigger consumer base.
​The Credit Card Processing facility ensures a reliable solution for processing the card payments on the website. Learn more about eMerchantPro’s solution!

What are other options for credit card payments?

 Merchants and consumers have many other options than High-Risk credit card processing. It will not only improve business transactions but also propel the business forward. A business’s success depends on being able to provide convenience for customers. This makes the entire process more cost-effective, efficient, and economical. Convenience is the key to the ultimate payment experience.

High-Risk Credit card processing combined with multiple payment options is a great way to build brand loyalty and increase brand image. Furthermore. The overall efficiency of the payment gateway is enhanced by mobile credit card processing. The ability to offer consumers a variety of payment options increases sales quickly.

When they don’t have the preferred method of payment, it can affect a consumer’s attitude towards payment. Although debit and credit card processing may seem simple for consumers, it is not the only method of payment for large audiences. The consumer may leave your site to shop for another merchant that accepts multiple payment methods. When you are looking for a payment processor, make sure they have all the necessary solutions.

As credit card processing is a key component of a business’s future, the upcoming years will be crucial. As we have discussed, the millennial generation is transforming the industry and earning culture. The other modes of payment involve Bank Transfers, eWallets, eChecks, ACH, Recurring Modes of Payment, Cryptocurrencies, and more.

These modes of payment are known as alternate modes of payment that provide a generous boost to the online payment solutions for your company.

The Role of the High-Risk credit Card Processing works with the idea of providing an easy payment processing solution. Headstart your business with it today

Contact eMerchantPro now

What is a Chargeback? The Ultimate Guide to Credit Card Chargebacks

 

What are Chargebacks?

Chargeback is returning specific funds to the consumers after a successful dispute. The design of Chargebacks comes from 40 years ago to provide convenience to consumers. It provides security to consumers from identity theft and fraud. Chargeback is the process of payment reversal to the consumer.

Card Authorities are the ones offering enhanced services to the consumers. In other words, they are the ones that provide the chargeback issuing solution. It is mainly for Debit and Credit Card Holders.

There are a variety of reasons for filing a chargeback. The card-holders get advance security from card fraud or identity thefts. The credit card holder will have a particular time frame to raise a dispute, commonly known as Chargeback Period. The dispute against a charge requires a thorough inspection.

Furthermore, there will be various proof requirements too.

What is the Issue With Chargebacks?

The major chargeback issue lies in the fact that a chargeback causes a loss of more than Two times the cost. Furthermore, sometimes, the chargebacks aren’t real indeed. That brings in the issue of friendly fraud.

What are Friendly Frauds?

Friendly frauds are a type of chargeback wherein consumers flag disputes even though they got the correct goods or services. In this case, the merchants lose an ample amount financially and the product or service.

Friendly frauds are dangerous for a merchant and create a massive mess.

“86% of chargebacks are fraudulently placed, skipping the merchant & going straight to the chargeback process” (Global risk Technologies)

Thus, the merchant cannot track the fraudulent activity effectively. It is due to the lack of information and channeling of the chargeback. The consumers skipping the proper process are fraudulent in most cases.

Only 14% of the consumer takes the proper channel of refunds. It hampers the business as it loses its reputation. The associated bodies tend to put the company on a caution list due to the higher chargeback ratio.

The Chargeback Protection Services for Merchants

The three types of chargeback protection services are:

1. Alerts for Chargebacks
2. Chargeback Management
3. Complete Chargeback Protection

Chargeback Alerts

Chargeback alert is a small window chargeback protection service that allows the merchant to offer a refund. Generally, the window is of 24 hours to either collect all the data against the chargeback or provide a refund.

It depletes the chargeback rate of a company and makes it quite easy for the merchant to work. However, the window is small, and there is not much to do if the chargeback is on the verge.

Chargeback Management through Deflection

Fraud prevention companies work with advanced technologies to provide solutions to the merchants. Payment Service Provider offers tech-driven solutions to the merchants with the companies’ tie-up.

These management services provide a linger window and offer profound solutions to the merchants. The use of information and data becomes feasible with the Fraud Scoring into account. Furthermore, the dashboard gets you the information to have the best choices.

Complete Chargeback Protection

Last but not least are the complete chargeback protection services by a Payment Service Provider. It offers an advanced solution to a merchant by covering the cost of the chargeback. In other words, the PSP covers the complete cost of the chargeback.

Only the experienced and big service providers offer this type of solution wherein the merchant is protected. There will be no need to run here and there for the chargeback. All the service provider does is taken a small charge from the merchant as security.

What does eMerchantPro have to offer you?

eMerchantPro is a Payment Service Provider with tonnes of experience in the High-Risk Business sector. In other words, eMerchantPro provides a precise payment processing solution. Your business gets to step into the digital marketplace with eMerchantPro Payment Gateway and Merchant Account.

Furthermore, eMerchantPro keeps chargebacks away from your business. In other words, it provides Complete Chargeback Protection to Merchants around the globe. That means there won’t be any problem with the Chargebacks and Financial Reputation. The complete chargeback protection services will resolve the problem with online payments and chargebacks.

Are high-risk Payment gateways available for all kinds of businesses?

What kind of businesses does eMerchantPro work with and which ones don’t?

eMerchantPro is a flexible partner as it provides service to any merchant in their home country or outside the country. Apart from that, it serves both low-risk businesses and high-risk businesses. But here’s the deal.

We have a high-risk appetite for companies. However, we don’t support illegal and illicit companies. As long as everything is legal, we will help the merchants with dedication.

What industries have we worked in and what services can we provide to high-risk businesses?

We have provided our services to many industries like — Forex, Online Casino, Online Gaming, and Adults. Talk about services then we provide the following services.

Services

Merchant Assistance

No matter how many times a day merchants ask for help, our experts will help them in every way possible. They can ask for anything related to our services or if they have doubts about anything feel free to ask. There is no time limit as our support will be available on a 24×7 basis.

3D Protection

We have the Level 1 Certification of PCI DSS. Our whole team is abided by the T&C stated by the PCI DSS to keep all things in control.

We make sure that the merchant doesn’t have to stress about data security even for a second. Providing the merchants and their consumers with a sense of security is our motto.

Chargeback Protection

Merchants bear a lot of losses due to no stronger support. But with eMerchantPro, they wouldn’t need to worry about that anymore. If a chargeback claim arises on any product, we check whether the condition of the product is valid for the T&C of that product.

If the condition matches the amount will be transferred to the claimant’s a/c within the chargeback period as specified by the bank. Otherwise, the claim will be rejected after the proof of false claim provided by the merchant.

Now let’s talk about features of a High-risk Payment gateway

Multi-Currency Transaction

One of the challenges for a high-risk merchant is dealing with online consumers from different countries. This Payment gateway helps merchants to receive online payments in any currency of their choice.

Apart from that consumers are also free to pay for their purchase in their currency. This can ease the discomfort of millions of consumers that are trying to buy a product from such websites.

Alternative Payment Modes

We admit that businesses are growing rapidly. But with their increasing range, the demand is also increasing day by day for more convenience of the consumers. Thanks to this Payment gateway, merchants can provide their customers with the convenience of making payments in various ways.

Some of those options would be — E-Wallet, CC, and Wire Transfer, etc. Now the consumers will feel more comfortable while shopping for their favorite brand.

Real-Time Reporting

Merchants are getting a chance to cover up their losses now. In the past without a proper report merchants had to bear losses. But with the real-time reporting system of this Payment gateway, they will receive alerts for every single transaction.

On top of that, an alert will drop for merchants if there is anything wrong with the payment processing department. And then they will be able to take action to bring the situation under control within time.

Global Card Saving

This feature of this Payment gateway will help the consumers to save their cards on the merchants’ websites. Consumers will have to do this for once and all. After that, they’ll be able to continue their shopping without any issue.

Fraud Prevention

This Payment gateway runs many fraud prevention tools to secure transactions. If any transaction seems to be suspicious would be checked properly. And if the details of the payer and the cardholder don’t match the transaction will be nullified.

On the opposite, if they both matched the transaction will be complete without any issue. This way the merchants and their consumers will stay safe.

eMerchantPro has many years of experience working with high-risk businesses. Merchants can visit our blog section to know in detail about our other services. Without wasting much time just send a mail and get your high-risk Payment gateway.

The need of Credit Card Processing in the US

 A domestic marketing account is the one given by a bank in the origin country during transaction settlements. Domestic processing receives fast funding (anywhere from 1 to 3 business days). The rates of the Foreign Accounts are comparatively lower. A foreign bank is responsible for settling the transactions based on an international merchant account. The foreign accounts have advantages that help to establish payment acceptance in many currencies. This also incredibly encourages you to grow your company.

The issuance of credit cards is intentional for companies

Credit card processing services progressively proceed as a transaction starts with one end of the gateway and then the other.

Market Consumers

Next, a customer starts when a payer swipes his card during the transaction and provides the dealer subtleties.

1. Business Owner

In the next step, the dealer collects all of the customer’s subtleties and is dealt with in two separate ways. This could occur if the merchant collects the payment manually in a customer façade, which is known as card transactions. The point at which each person pays for the products online, and is known as a card not present, is another technique.

2. Processor

The processor of the credit card collects the reality and can monitor information and authorize messages between a few meetings. The key role is to submit details about the payment to the card framework.

3. Networks of cards

Your customer’s card acts as one of the key credit card systems the most usual card and a credit card are sufficient to carry out a transaction. After the framework recognizes your complete processor information, they will send it to the bank of your customer.

4. Bank of Customer

The payer collects the payment attraction and verifies that the payer has the particular credit or assets for completing his/her purchase. The bank experiences the data and verifies that the customer has or is a false asset.

5. Merchant

In conclusion, the notification that a cardholder’s bank has been accepted or rejected returns by comparable outlets. If the transaction is cleared, the trader must then give the customer what the person requested.

You will make your company digitally upgraded! Ensure to make your payment flow with unmatched consistency by fitting the credit card processing services from the credit card specialist organization. A credit card leads you to an advanced company with a quick payment pass.

Choose a reliable credit card processor who fulfils the requirements of your business

The right payment processor means to meet your business requirements consistently. The credit card company needs your business growth and success while furnishing you with the best possible processing. You can maintain your company tremendously well if you have a functioning and efficient payment gateway.

This kind of processing gives a wide variety of management structures that can expand the company and provide current administration. These types of administrations can easily sustain your company.

eMerchant Pro is a renowned firm assisting you with the best services. And let you relax in regards to credit card processing services. We look after every aspect of your business requirement.

Apply today for overseas processing of credit cards

The tradespeople hit a time when they know that expanding their company is the right time. You should think about expanding your business around the world. The right solution provider enables online companies with offshore credit card processing to open their doors to the world.

Offer this industry the knowledge and learning that is easy. The way to get your global business to run a merchant account is therefore fast. To develop your company, you need to be enough attentive.

You need to click and complete the application form on Apply Now. Our expert will be in contact with you within 24–48 hours to provide the best help in the solution of the gateway.

Get Secure Payment Solutions with Credit Card Processing

 

What Makes Credit Card Processing Crucial?

“1.06 billion credit cards in use in the United States of America” (Shift Credit Card Processing)

With multitudes of credit cards working in the country USA, a merchant needs to associate the business with the requirements too. Therefore, card payments, especially credit cards, will hold a solid ground for the business. There are different generations of consumers paying for goods, services, or merchandise. Hence, you need to accept payments from every audience.

Credit card binds every type of consumer together with ease and convenience of payments. Mobility adds to the processing of credit cards. Therefore, no more traditional ways to process the payments over the POS terminals. The new mode of online payment through credit cards is a card-not-present payment method. However, the millennials are one of the primary consumer bases of the merchant.

How does the Millenial change the aspect of Credit Card Processing?

The working environment around the globe is slowly pushing towards the particular generation. Therefore, they will form the driving force of any business. On the other hand, multiple problems surround them with the usage of credit cards. Some of them look completely like a debt. How does it change a merchant’s business?

Though it sounds out of context, a person with multiple debts over the head won’t try to pay through credit cards. However, surveys suggest that about 20 to 25% of millennial pays through credit cards even though they are in debt.

The reason for it is the convenience a credit card offers to the consumer crosses the boundaries of debt. Furthermore, the passive rewards for the purchase help the consumer exponentially. eMerchantPro’s Credit Card Processing capabilities gives a new light to a business trying to push their business forward. It allows a merchant to help 80% of the US-based audience to use their credit cards. A Business becomes quite profound when it reaches a bigger consumer base.

To explore more about Credit Card Processing  visit eMerchantPro now

Complete Guide to Credit Card Processing in USA

 

Almost every online business needs to accept credit and debit cards in order to facilitate services and goods. But choosing a credit card processor can be a tough task. We have spent several hours researching and designing the best credit card processing technology that can benefit the merchants in the most versatile manner.

Credit card processing should always be on your part of the business. The payment processors offering credit card processing should come with transparent pricing and reliable customer support. It should not bond merchants with long-term contracts.

Let us know everything about credit card processing in USA

What is a Credit Card Processing?

Having the facility of accepting payments via credit cards is known as credit card processing.

Whenever the payments are done with credit cards the information is carried to processors. These processors cross-check the payment details with customer banks. If the information furnished is right and there is enough balance to make the payment the amount is debited and sent to the merchant’s account.

If the information of credit card given by the user either by swapping in POS machine or entering it manually is incorrect or there is not enough balance to make the transaction, payment is declined.

The process of getting the information to the processor and then making the amount settlement to the merchant account is termed as processing and the time taken for the entire process to complete is known as processing time. This credit card processing time is usually in seconds. The lesser time it takes, the excellent the processing service is considered.

Who needs a Credit Card Processing in USA?

As far as online merchants offering services or goods are concerned every merchant should have a credit card facility to accept payments. This can be very fruitful as major of the credit card holder prefers paying online with it.

Credit card integration is a must for getting customers from all around the world. Having a proficient processing service can bring huge profits.

Credit Card Processing in USA fees

Pricing charges for fees attached to credit card processing may differ from company to company. It has been observed that companies holding a good position in the market charge more than the newcomers.

The entire fee structure is decided by the type of business and the volume amount of monthly or annual transactions.

A small business that is capable of processing amounts less than or equal to $5000 per month is charged a flat rate for each transaction and doesn’t charge monthly or annual fees.

However, for businesses with monthly transactions above $5000 interchange charges along with monthly or annual fees are charged.

There are several other charges which merchants should know like Rolling Reserves, Merchant Discount Rates (MDR), Installation or set-up charges, Charges for Chargeback or refunds, etc.

Many of them are one-time fees that may be charged at the time of association looking into risks and services with your high-risk business.

For more information regarding fees, merchants can contact us as we provide payment services comprising the best solution to credit card processing.

How do I apply for a Credit Card Processing in USA?

Credit card processing in USA is provided by reliable payment service providers as we are. Merchants can easily approach us with their Application for payment services along with various important documents like

1. Information about your website
2. SSL certificate for your site
3. Bank details and statement of last 3 months
4. Document of Incorporation
5. Company Tax document
6. Owner personal ID, etc

Payment service providers while providing payment services to High-Risk Merchants are very careful. This is because of the more probable chances of financial loss associated with their business.

Documents along with applications should only focus on your strength to run a business. The best way to get your application prepared is to associate with us so that we can help you best prepare an application that cannot be denied by Acquirers or banks.

For further information regarding how to get payment services contact us.

The pros and cons of a Credit Card Processing in USA

Offering only credit card processing can harm your business but having credit card processing doesn’t have any cons. A slight variation can be seen with the service charges attached to good credit card processing but this will in turn give you the best returns.

We are well aware of the wide availability and acceptability of credit cards so it comes with the following benefits to merchants as well as users

1. Customers seeking online services in the USA are well aware that whether there may not be any other payment option but credit card acceptability is available with almost every merchant.
2. Payments with credit card processing are simpler and quicker.
3. Hassle-free transaction is only possible with credits cards allowing no authentication before each payment
4. Credit limit features encourage customers to invest more frequently. So supporting credit cards can bring more benefits.
5. Peoples of the USA find credit cards as an intelligent method of making payments. Refunds are easy with this service
6. Security is also the most prominent feature that ensures its frequent usage among customers.

Merchants with greater payment options are benefitted more as people not having credit cards can also pay with debit cards and APM’s.

What to consider when looking for a Credit Card Processing in USA

Getting a credit card facility integrated into a merchant’s online platform is the most important thing. But relying on a payment service provider that doesn’t offer fair pricing and equipped services can be harmful to business.

Running a High-Risk business is not an easy task. But with a dependable payment service provider, it is possible. Having the most serviceable credit card processing can help merchants not only with local sales but also with global sales.

While selecting a payment service provider there is a lot of consideration a merchant should make out to ensure the best payment services.

1. Processor should have enough market experience with High-Risk Merchants.
2. Capable to solve merchants issues quickly.
3. Offer service at cheaper prices
4. Support multiple language and multi-currency processing
5. Provide the best solution against chargebacks and frauds.
6. Offers more choices of payments in gateways
7. Provide services that are quick and easy to integrate, etc.

There are endless expectations from an ideal payment service provider. The only thing that should matter to them is your growth. An acquirer that doesn’t favor your growth and is only for money-making should be avoided.

Conclusion:

Payment services are very essential for every merchant to digitally accept payments. Having good services can make great benefits. A reliable payment service provider is a must for excellent credit card processing. It favors merchant’s growth. Due to its wide usage customers find paying with credits cards as the familiar and dependable method. Partner with us to get the best credit card processing.

Common Misconceptions of Credit Card Processing in High-Risk Payment gateway Industry

 It is quite misleading for some people to get into the myths about Credit Card Processing. These myths create a misconception in the minds of the merchant about what to choose or not. Before moving ahead let first understand what Credit Card Processing is.

Credit Card Processing

Credit card processing allows the transaction to be accepted through credit cards. The credit card information captured by the merchant business is first transferred to the payment gateway and then to the acquiring bank which verifies whether the customer has the required payment in the account or not. If yes, then acquiring bank transfers the approval to the payment gateway which again transfers the request to credit card companies to debit the requested payment from the issuer credit card account. Thus, the entire transaction gets completed and the payment is transferred to the merchant account.

eMerchantPro is one of the renowned names when it comes to Credit Card Processing Services in USA. We are providing beneficial merchant account services irrespective of the low or high volume of the merchant so that they can process smooth and flexible transactions for their business.

Popular misconceptions of Credit Card Processing

There are various misconceptions or myths regarding credit card processing companies. Let us take a brief look at some of them.

Hard to keep the data safe

Any business that needs higher security standards needs to be PCI DSS compliant. This stands for “Payment Card Industry Data Security Standard”, PCI DSS standard says that any business that is upholding the customer’s sensitive information must comply with PCI DSS. A merchant unable to have compliance can withstand the charges and fines from the acquiring bank for non-compliance.

Expensive processing fee

Many things are running behind per transaction. Many parties are involved in making and accepting business transactions. These entities are a cardholder, Merchant, Merchant bank, payment processor, card association, Issuing Banks, Independent Sales Organization & Membership Service Providers. Hence these institutions charge for their role in the transaction process and these Charges are cumulatively known as credit card processing fees. Though few of the credit card processors are notorious and add extra cost to the bills, expecting that merchants will not think twice about it. So rather than just blindly accepting the terms from the credit card processing company, get in contact with the professional to ensure that they are charging authenticate charges. eMerchantPro has more transparent processing fee structure as compared to any other merchant account service provider.

Credit and Debit Card Fees Are Similar

Most of the payment processing companies charge more for the credit card fee as compared to the debit card. The charges may depend on various factors and risk is one of the factors. It is just that the processing payment for the debit card is low while it is high in case of credit card processing.

Payment Gateways hold onto the Clients Money

Most people have this misunderstanding that the money from the client holds on with the payment gateway. However, this is not true at all. The payment gateways have their role, it collects the payment information and stores it securely and then pass it on to the acquiring bank.

The acquiring bank in its turn passes the encrypted information to the issuing bank for authorization and approval. Once the request is approved then the request is traced back to the customer. The customer gets approval from the merchant for having a successful transaction. This is the simple process that goes through the payment gateway.

Payment Gateways provide Banking Solution

This is among the many misconceptions about the payment gateway. Though the bank has its role in processing the payment. While the processor is just the interface between the merchant and the bank. And in many cases, the payment gateway has its place under the acquiring bank and does its work accordingly.

Payment Gateways Take No Responsibilities for Customers’ and Merchant’s Private Data

Gateways do have a major role in protecting the sensitive information of the customer. They aim to protect the merchant from fraud activities or any other data prevention leaks. It is also responsible for the security standards of the merchants.

Lower processing rates are better

As far as lower pricing rates are concerned, don’t fall into the trap with the lower rate service provider. Lower rates should not be your determining factor at all since you may get bad customer services, longer waiting time for the funds processing. The other most important factor is that different companies offer different rates. Some provide the services at a flat rate irrespective of the transactions however others provide the services at discounted rates. Try to get into the entire picture before you settle on certain rates.

It’s impossible to switch providers due to the contract

It is also a myth that most people have about online payments. If the merchant gets into the contract with one of the service providers they may not switch in between. However, the merchant can switch to other gateway services. It may be possible on certain terms and conditions that some payment gateway wants to negotiate with each other to provide the merchant with the flexibility to switch to other gateway services. It may also be possible that other payment gateway providers may want to buy out your gateway’s merchants by providing lower rates, So Be Aware!!

All service providers are crooks

Merchant account service providers may try to take benefits from all the businesses. But certainly, not all the payment gateway service providers are crooks. Most of them are very professional and you can look up to them at the sites such as Business Bureau and Merchant Maverick to ensure that it is safe to collaborate with them.

Local Banks with good rates are better

It may happen that your local bank is providing you a low rate. But it is usually good to look for the best rates that you can get. If you are getting the best rate from your local bank then you must go for it.

The bigger the brand better the services

Not every bigger company will provide you the best rates. It may also be possible that smaller firms may provide you with the best offers. Reach out to the ones that consider you as a customer not another number in their list.

Credit cards are cost-prohibitive

If you do the analysis then you will get to know that it is necessarily not true. Including the credit card option in your business will enhance your business.

Credit cards are not harmful for the financial health

This is a worldwide fact that the global payment method of payment cards and especially credit cards are always upon a certain risk on the behalf of your consumer or the cardholder due to this particular misconception merchants usually tends to take credit card processing as damaging to their own business but this is false. Since all the factors of risk such as this can usually be handled by your payment service provider keeping you and your business out of reach.

Banks are the only service provider

Most banks provide payment gateway services for you but there are also payment gateway service providers who can provide you with the payment solution. It is up to you where you can get the best offer. Don’t hesitate to go for the private ones if they are providing you the best processor that suits your business requirements. Also, you can get more flexibility with the private institution as compared to the banks or financial institutions.

Payment Gateways and Banking Methods are similar

Banks are responsible for processing online transactions particularly for e-commerce sites, while the role of payment gateway is different from that of the bank. The payment gateway serves as the mediator while the bank is in charge of handling the payment.

Every business requires a payment method for accepting payments from customers. This includes small businesses, retailers, or any online business. Don’t get into these myths that stop you from taking your business to exponential heights. Although, we have seen all are not misconceptions and some are facts. Payment Gateways are complicated machines integrated solutions that manage the financial transactions and perform other important financial tasks. Hence you need to pick your option well before choosing the right payment solution for your business. Get along with expert advice for feasible processor services. eMerchantPro is providing the one-stop solution for the merchant who is dealing in High-risk businesses by providing them with the High-Risk Payment Gateway in the USA for allowing them to accept credit card payments.