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Cardservice International has developed the most sophisticated secure payment gateway
in the industry and three user-friendly online payment solutions, which can be tailored
to the specific needs and size of your business.
Cardservice International's online payment solutions support all major credit cards,
including purchasing cards and other payment methods, such as electronic checks.
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Brick-and-mortar merchants have a variety of products,
services and transactions rates available to them.
Cardservice International payment solutions support all major credit cards, ATM debit
cards, purchasing cards and checks.
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Merchants who sell face to face and swipe at least 90% of their MasterCard and Visa
transactions receive a low discount rate and a low per-transaction fee (this is
referred to as a qualified rate). Purchasing card, mobile and home-based merchants
who process within these criteria also receive a low rate. The transaction fee
for wireless merchants who sell face to face and swipe at least 90% of transactions
is slightly higher, due to the technology for wireless processing.
Due to increased risk, merchants who manually key 51% to 100% of their MasterCard
and Visa transactions also receive a slightly higher discount rate, plus a slightly
higher per-transaction fee—swiping the transaction permits reading the encoded data
from the magnetic stripe on the back of the card, which manual key entry doesn’t.
In addition, all keyed transactions must be processed using the Address Verifications
Service (AVS). Each AVS inquiry incurs an additional five-cent fee. Because purchasing
cards provide customized user features, they are billed a lower keyed discount rate,
plus a lower keyed per-transaction fee. Rates may be higher for secured merchants.
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Cardservice International’s payment processing solutions enable small restaurant
owners and franchisees to offer more payment options to their customers. Equally
important, Cardservice merchants enjoy opportunities to generate additional revenue
when they offer ATM/debit card acceptance, which customers are more likely to use
at restaurants than at other retail establishments.
Restaurants receive a low discount rate, plus a low per-transaction fee when they
process 90% to 100% swiped MasterCard and Visa transactions.
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