The Internet

 

To find an answer to any questions you might have, click on the one of the frequently asked questions below.

If your questions are not answered in this section, please feel free to
Contact Us

General 
1 What do I need to accept credit cards on the Internet? 
2 How secure are Internet transactions via SSL (Secure Sockets Layer), and how do I get SSL for my Web site? 
3
Why should I take my business online? 
4
What is MOTO? 
5
What is a payment gateway and how does it work? 
6 What is an online shopping cart? 
7 Can I integrate my Internet activity with traditional payment processing? 
8 What if I already have a shopping cart and simply need payment processing? 
9 I'm just starting out. Can you help me get an online store? 
10 What kind of Web sites use this service? 
11 What is Merchant America? 
12 Are there limits to what my Web site can sell with your service? 
13 Will shoppers have to download any additional software? 
14 Do I have to be near my computer all day to do business online? 
15 Technology changes so fast, will my merchant account work in the future?? 
16 Do you have a manual that explains how your system works? 

1 Question:  What do I need to accept credit cards on the Internet? 

Answer:      

To accept credit cards over the Internet, you need a merchant account and a secure payment gateway service.  With most processors, the gateway is an extra feature provided by a third-party service.  Our processor provides each merchant account with direct secure gateway with Real Time transaction processing without any added gateway fees.

For complete information on merchant accounts, Contact Us.

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2 Question:  How secure are Internet transactions via SSL (Secure Sockets Layer), and how do I get SSL for my Web site? 

Answer:      

Internet transactions with our Direct Gateway Processor are very secure.  All information is encrypted before it is sent with SSL encryption.  SSL stands for Secure Socket Layer.  This technology is designed to encrypt the text sent from the merchant web site and then decrypt the information on the other side, i.e., the processor  network.  The SSL encryption technology is included in all of our payment processing solution without additional cost to the merchant.  

Some Internet Service Provider's provide merchant Web sites with the SSL technology and include the secure server needed to operate SSL. However, some providers require that you purchase your own certificate from a third party SSL provider company.

An SSL Certificate contains a public key and a private key.  A public key is used to encrypt information and a private key is used to decipher it.  When a browser points to a secured domain, an SSL handshake authenticates the server and the client and establishes an encryption method and a unique session key.  They can begin a secure session that guarantees message privacy and message integrity.
 


For more information, Contact Us.

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3 Question:  Why should I take my business online? 

Answer:      

Online sales can increase your business in many ways.  Primarily, your business can increase by virtue of the online advertising value, the information you provide to potential customers, and the additional sales channel if you decide to sell directly from your Web site.

Advertising:  Your Web site acts as an online advertisement for anyone looking for your products and services.  Search engines such as Google regularly "spider" individual Web sites and make your site available to people searching the Web.  Choosing our MerchantAmerica Web Site directory option can increase your visibility to search engines, as they regularly search our directory and index our merchant's sites.  People can find you from anywhere in the world, or around the block.

Information:  Many merchants use the Web site to provide answers to frequently asked questions, describe product features and benefits, and provide other information that helps a customer doing research on their product to make a decision.  You've probably seen this in ads: "Visit www.companyname.com for more information." The ad gets your interest, the Web site tells the story.

Online sales:  With e-commerce Web sites, you can sell goods and services online, letting your customers use their credit cards or checking accounts to pay.  More and more people are buying online for the convenience, ability to compare prices, and ability to find hard-to-find items.

If you are looking for a low-cost means of setting up shop on the Internet, our MerchantAmerica Web Sites give any business the tools needed.  Or, use our payment gateway to process payments on more sophisticated Web sites developed by your ISP or Web provider.

For more information, Contact Us.

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4 Question: What is MOTO? 

Answer:      

MOTO is the abbreviation used to describe mail order and telephone order businesses.  While many processors shy away from such businesses, we offer comprehensive payment services with competitive pricing and a high, 98% approval ratio of applications received.

For complete information, Contact Us.

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5 Question:  What is a payment gateway and how does it work?

Answer:      

Our processor's direct payment gateway is available with our merchant account service with no additional cost.   The payment gateway allows merchants to accept credit cards or electronic checks online. 

Our processor has offered online payment processing since 1997 and the service is used by thousands of merchants across the U.S.  Web sites connect to the processor using a variety of shopping carts, using via coding such as CGI scripts.

Hereís why it pays to open your merchant account with us:

We do more than provide a online merchant account.  We include the gateway mechanism for processing online. 

Transactions are processed with state-of-the-art security, SSL encryption.  SSL protects the cardholder, the merchant and the ISP from fraud.

Feature-rich on-line reporting keeps the merchant on top of transactions at the merchant Web site.

Competitive prices

The merchant Web developer or ISP can set up the our on-line payment service quickly and easily.

Merchant America Web sites can be set up by Anyone in less than an hour.

You havenít chosen an ISP to host your e-commerce site yet?  Contact one of the shopping cart developers and ISPs already providing e-commerce solutions through our processor gateway service.

For more information Contact Us. 

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6 Question:  What is an online shopping cart? 

Answer:      

An online shopping cart is software designed to act as a catalog to showcase all your products to people online and allow them to purchase the products.  It acts as a virtual store where people can enter their payment information.  There are display properties and a checkout process.  The merchant is notified of any sales by email and/or order log reports.  Shopping carts are the most widely used system for selling products on the Internet, and our processor is compatible with many of the most widely used solutions.

You can also design your own online order form or custom shopping cart if you prefer.  Our processor's compatibility specifications are available free online to assist in your coding.

For complete information, Contact Us.

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7 Question:  Can I integrate my Internet activity with traditional payment processing? 

Answer:      

In the past, orders would be e-mailed to merchants, who would enter the credit card information into their terminal.  Nowadays you can either use a virtual terminal or use shopping cart software that charges the customer in real time.  With our payment processor, you can have any combination of retail storefront and Internet payment processing services, all with online reporting included  with  Merchant America services and one monthly fee plus transaction fees. 

For more information please Contact Us  


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8 Question:  What if I already have a shopping cart and simply need payment processing? 

Answer:      

Find out from your shopping cart provider which payment processors or payment gateways are accepted with their cart.  If our processor works with the existing cart, it should appear a list of compatible processors.  Your existing cart can also be looked up on a list we can provide on request.   If a shopping cart is not functional with our processor, it may be possible for the cart provider to add our processor's compatibility to your cart, upon request.

For complete information, Contact Us.

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9 Question:  I'm just starting out. Can you help me get an online store? 

Answer:      

Merchants who are just starting out with an online business can use one of our shopping cart developers and ISPs to set up a customized Web site.  Or, your merchant account can be set up to process payments on a simple hosted online store at MerchantAmerica.  With MerchantAmerica, you have an easy, fast means of building a store yourself using our templates and guided by online instructions.  It couldnít be easier to start your online business. 

For more information, Contact Us.

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10 Question:  What kind of Web sites use this service? 

Answer:      

Any web site that needs to accept a payment online can benefit from our services.  These web sites could be service providers or sites selling software, although most are sites that sell physical products.

For more information
Contact Us.

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11 Question:  What is Merchant America? 

Answer:      

Merchant America is a packaged suite of services that serves merchants with credit card and check processing plus several online merchant services. 

Merchant America was created to serve a number of needs expressed by merchants.  These include:
  • 24/7 online transaction reporting for up-to-the-minute information on  credit card, debit card and check transactions.  Reports are downloadable CVS file format that is exportable to Excel and most standard accounting software programs.
  • The ability to sell on-line without the high cost of setting up an e-commerce web site.
  • A Internet business-related resources directory for cutting though the Internet clutter when a business needs resources fast. 
  • Free online shopping cart with free online cart hosting.
  • Unlimited online catalog categories with unlimited product listing hosting.
  • A Virtual Terminal for accepting credit carding and checks by phone.
  • A Recurring Payment Manager for setting automated recurring payments on the agreed payment due dates.  On the due date payments are automatically withdrawn from the customer's account and direct deposited into the merchant's account.    

Merchant America answers all those needs and more. It does this with a clean, easy-to-navigate design to maximize your productivity online.

For questions, Contact Us.

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12 Question:  Are there limits to what my Web site can sell with your service? 

Answer:      

Yes there are some types of products and services that we do not support.  We do not open accounts for sex businesses, Internet gambling, online adult content, roving merchants (door-to-door sales), drug paraphernalia, and similar businesses.

For questions, Contact Us.

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13 Question:  Will shoppers have to download any additional software? 

Answer:      

No, our processor's payment processing does not require your customers to download any software.  If they have an Internet browser and have found your Web site, they can pay you using a credit card or their checking account. It's that simple.

For complete information Contact Us.

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14 Question:  Do I have to be near my computer all day to do business online? 

Answer:      

No, the beauty of the online shopping cart is that it handles much of your business automatically.  You would want to check your email regularly to catch any customer questions and check for orders. Then, once you receive an order, youíll want to check it over to make sure everything is O.K. for order processing.  Lastly, youíll need to ship the order.


For complete information, Contact Us.

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15 Question:  Technology changes so fast, will my merchant account work in the future?? 

Answer:      

Our services are always up to date with the latest technology.  The processing  staff of technical experts, programmers and payment specialists are constantly developing new payment services, new features for our services, and monitoring changing payment regulations for our next-generation services.

The future processing of your merchant account is not something to worry about.  If you are processing with a website, your main concern will be how your website changes according to new web-developments, how advanced the website is, and what new features it has.


For more information,
Contact Us.


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16 Question:  Do you have a manual that explains how your system works? 

Answer:      

Upon request we will provide links to the two most popular instruction documents:

Integration and Testing Guide

Host Specifications

For complete information or for links to these guides, Contact Us.

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