Payment Processing

Credit Card Processing

Make payments easy for your customers by allowing them to pay the way they want to pay. The more options you provide, the more your business can grow.

  • Process payments quickly and efficiently while letting your customers pay with the credit card of their choice.
  • Accept standard credit cards: Visa®, Mastercard®, Discover®, and American Express®.
  • Process Fleet cards, including Voyager, Wright Express, Fleet One, and more.
  • Accept business, corporate, and purchasing cards with ease, including Level II and Level III data.

We also offer Dynamic Currency Conversion and Multi-Currency Pricing.


PIN Debit Processing

PIN Debit card services continue to grow as consumers embrace more convenient and secure payment methods. Accepting PIN Debit allows you to keep up with their demands.

With no signatures or checks, PIN Debit card services give your customers more power to make purchases their way—fast and secure. And, with a lower chargeback risk and cost of acceptance, it’s a win-win for you and your customers.

Benefits include:

  • Reduced costs: PIN Debit processing costs are typically less expensive than credit cards.
  • Fewer chargebacks and bad check losses: PIN Debit transactions are authorized against the cardholder’s checking account balance.
  • Reduced risk of fraud: The customer’s PIN entry means your Debit transaction is more secure than other online transactions.

Networks Supported

Vantiv is the nation’s largest processor of PIN Debit transactions.* We offer access to all the major Debit Networks as part of our standard PIN Debit processing package.

* Nilson Report – March 2015


EMV

EMV, also known as chip cards, is a series of specifications that define a more secure method of payment. It was developed jointly by Europay, Mastercard, and Visa in the mid-1990s.

Most of the world has either migrated to EMV or is in the process. As of October 1st, 2015, the U.S. made the move to migrate to EMV chip card technology. U.S. financial institutions have already started to issue EMV chip cards to their cardholders.

By the end of 2015, there will be around 575 million chip cards issued in the U.S.**

Click here for our Frequently Asked Questions surrounding EMV.

** Payments Security Task Force (PST), Mastercard release 8/2014