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CREDIT CARD PROCESSING


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CARD SERVICES

 

Our card processing services are the best in the business. All of our merchant accounts receive detailed paper statements each month. Online access to batch history, deposit detail, and transaction history is part of every merchant account. Our DataMiner basic package enables you to research your customer base so that your marketing efforts can be enhanced. With our premium marketing tools, you can research your customers' demographic and geographic attributes right from the Merchant Foundry on your computer!

  A full suite of merchant support services are available to every one of our clients, including AmeriDoc, LifeMart, DataMiner, OnDeck Capital, and many more.

 Next day deposit of your closed batches is available to qualified merchant types.

We offer Visa, Mastercard, Discover, and American Express One Point, as part of our standard processing packages. JCB, Wright Express, and Voyager, are available at your request.

 We can also provide EBT (Electronic Benefits Transfer) for S.N.A.P. recipients for approved merchants. Your individual state can assist you with obtaining your EBT approval.


EMV/NFC COMPLIANCE

 

In 2015, all merchants will be required to be EMV compliant. EMV or Europay Mastercard Visa, is the world standard in transaction security and fraud prevention. Along with this new requirement, merchants can also elect to become NFC or Near Field Communication, capable. NFC is how ApplePay works. While NFC is not a requirement, some merchants may want to offer this payment option to their customers.

 The card associations have decided that they will shift the liability burden for fraudulent transactions to merchants who originate transactions from non-EMV devices. Along with this liability shift comes the potential for increased penalties levied on the merchants.

 By upgrading your hardware now, you can assure your customers that you hold their transaction security as a top priority. SBSC can provide state of the art EMV/NFC terminals and peripherals at low cost and with local hardware support.


MULTIMERCHANT

 

Stickman Business Services Company can configure multiple merchants in a single credit card terminal. The total number of merchants is determined by the terminal model and the number of different applications to be loaded. This application is best for salons or day spas where several independent stylists, massage therapists, or nail techs require their own merchant accounts. Not all credit card terminals are capable of multi merchant processing, and some models can accommodate more merchant ID's than others. SBSC can help you choose the best terminal for your particular processing needs.


CARD PRICING

 

In order to keep your processing costs as low as possible, SBSC only utilizes "INTERCHANGE PLUS" pricing.  By using this method of pricing your electronic transactions, we are able to pass on to you all of the savings mandated by the Durbin Amendment of the Dodd-Frank Act passed by the U.S. Congress in 2010.

  "INTERCHANGE" including all Card Association dues and assessments, is detailed on your monthly merchant statement, so that you can see exactly what we pay for merchant processing services.  We then add a small markup, which is shown separately, in order to provide you with your service.  The total amount of these fees, combined with interchange, will vary with your type of business, but are designed to keep your processing costs as low as possible, about 2% for a swipe merchant, and about 3% for an internet or web based business.  Every business is different, and we can provide you with a very accurate estimate of your costs when we meet to discuss your processing needs.


GIFT CARDS

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Yiftee offers a NO COST option for instantly adding electronic gift cards to your business. They are redeemed at your place of business through the Mastercard network as a keyed transaction, and cost the same as a credit card transaction. The cardholder pays a small fee to purchase a Yiftee Gift. Click here to learn more. www.yiftee.com/mcps-merchants-listing/