In this world of technologies, your smartphone acts as your best companion and tutor. You can get all the required information from your smartphone. You can order from online and can make the transactions from your mobile. Now many companies are using the mobile credit card processing. It has become the easiest way to accept the credit cards. For this, you just need a compatible device, a payment processing account, and a credit card reader to swipe the credit cards. With these, you can make all your transactions fast, effective, and secure.


Mobile credit card payments make the shopping easy, hassle-free, and less time-consuming. Instead of waiting in the queue to make the payments, you can simply use your device for the payment.


How does it work?


Smartphones have made revolutionary changes in shopping. Mobile credit card processing is the best example of it. Many businesses, companies, and shopping centers are providing these facilities to the customers to offer an improved experience and to make the transaction fast and secure. You just need an account of the merchant to facilitate the process. The entire process will be safe and fast. You can make the transaction anytime. It is considered best for the online merchants. The customers find the payment option hassle-free and safe. Moreover, the customers can visit a store and can compare the price online, and can get the best price in the physical location without going through the hassles of shipping. They can get the product immediately at an online price.


Chase Mobile Checkout


Both the merchants and the customers can also use the chase mobile checkout to process the credit card, gift card transactions, and for refunding the money. Merchants just need to create an image-based catalog to help the users to choose the right product. They can also view the activities of the customers including the transactions on their mobile devices. All the processes will facilitate the mobile credit card processing and will help the customers to have the wide range of the products and to choose the right one, to make the comparison, and to get the product immediately at the best price. The merchants will also get all the details of the activities of the customers through their device.




It will turn your smartphone into the handheld credit swiper that you can use like the counter version.


You can use it anywhere to buy the products.


It is easy to operate and can be used in the stores without being a part of the queue.


The payment will be hassle-free and less time-consuming.


The transactions will be secure. You will get the email alert of all the transactions. That will protect you from any fraud.


You can go cashless for any shopping.


Mobile credit card processing can make shopping easier, instant, and hassle-free. But it is important to choose the right company to get maximum benefits. If you are planning to take benefit of this transaction, you need to first inquire about the option, then you need to choose the one that offers more flexibility with the right protection.






Online credit card processing involves many fundamental frameworks. Before starting any online credit card processing it is very important to know at least the basic working to enable the SSL security and about the available gateways.

The basic two ideas that everyone who own a credit card should know would be gateways and sales transactions. Online credit card processing starts with transactions. There are many types of these transactions.

They include preauth, postauth, sales, credit, and chargeback. Sales would involve a consumer buying goods and transferring payments to the merchants account. Charge backs are in the cases of any disputes.

Now after the transaction completion the online credit card processing enters the next stage through a gateway.

Some of the available gateways would be authorize net, cyber source ,world pay ,I payment ,echo ,verisign ,trust commerce ,card service international.

To maintain an online credit card processing any website owner must have an online transaction and gateway account. The server that they use must be SSL certified.

The information about the credit they accept must be displayed on the gateways.

Gateways are nothing but interfaces or Application Programming Interfaces that are used for implementation by the sales class.

The online credit card processing workflow order would be as follows,

The customer goes online and views the Dynamic HTML page constructed. The customer contacts the SSL protected web server where gateways are implemented for them to perform a purchase. Now the user fills in the form with his interested items and clicks submit or send to confirm the choice of selected items in cart.
The information posted by the user is now sent for processing. This processing involves the stores, availability, price, and any other terms for the products selected. The web servers contact a CC server code, which is widely used for security-linked web servers.
Both the CC processing Code and the Gateways interlink with each other such that they mutually exchange information about them. First the credit card no & other important details such as Postal Code, CCV, and Expiry date are validated. Once this validation is successful, payment will be processed. This includes checking for balance amount on card and debiting the account with sale amount. In this state, the user credit card is validated for available amount and whether that amount would be enough to buy the chosen product. It also checks whether the card is good
Now the gateway contacts all merchandise and banks to get the required details for online credit card processing. The online credit card processing are generally batched based on the item groups and then sent for processing.

The online credit card processing would involve accepting any form of payment anywhere. Never forget to get fraud and other security processes enabled. There are many issues that one has to look at before applying for an online credit card processing.

They would be

Average approval rating of customers who used them
The per month cost been demanded
account set up time
customer service
Internet features.

Remember these top things before getting involved in any online credit card processing.

Steps for applying for online credit card processing,

Sign up for any merchant solution
Get prepared for any form of payment
Now organize your website with products and their reviews for the users benefit
Organize website content so as to be easily accessible to users
Connect front end and backend development
Try to advertise for online credit card processing and attract new customers
Learn and then start growing.

Payment processing is the major reason for any e-commerce business to get a merchant account. Merchant accounts enable your business to receive credit card payments online and become capable of providing your customers with several payment processing options.

Online credit card processing not only enables you to boost sales but also saves you a lot of hassle along with offering you many other benefits.

Reliable and secure credit card processing services allow your business to flourish and increase sales by leaps and bounds. Merchant account providers who offer international payment processing understand your business needs and that is why they offer major benefits like various payment processing options worldwide.

Online credit card processing allows you to accept all forms of payments from anywhere in the world at any time at all. This allows businesses to accept all kinds of various major credit and debit cards online and saves the merchants and customers the hassle of going to the bank.

With international credit card processing services you become capable of accepting payments from anywhere at all. Doesn’t matter whether you are in the US or the UK or in any other corner of the world, a good merchant account provider will offer you payment processing services that will allow you global transaction facility. All kinds of businesses whether big or small, high risk or low risk become capable of increasing their sales and revenue with online credit card processing.

Good merchant account providers will offer you safe and reliable credit card processing services with scam and fraud protection along with SSL encrypted servers that guarantees secure transactions. This in turn will help protect your transactions against fraudulent cases.

When you start to put together your business, you may make the decision to have an online storefront. If you decide to set this up and to do eCommerce, you need a way to accept your customers’ credit cards on your website. Doing this allows you to reach a bigger scale of customers, including an international base of customers.

The first step of accepting credit cards on your website is setting up an internet merchant account, which can oftentimes be set up through your own bank. This is done so that you can have a place to deposit payments that are made to your business by customers when they make their purchases through you.

Another step that you need to take is setting up a payment gateway. This works in essentially the same way that a payment processor would for an in-person storefront, meaning that it is used to run a credit card transaction through the approval and authentication process. This is done by your bank contacting the customer’s credit card network, which asks the customer’s bank if the customer has sufficient funds available to make the purchase being requested, and if the credit card information and data being provided by the customer is correct. The customer’s bank responds by either approving or declining the request to charge the credit card, and that decision will be relayed back to both you and the customer. This is done in the time between when the customer clicks on the “submit” or “make purchase” button and when they receive their oder confirmation details through the webpage that loads.

Some providers, such as PayPal, Due, Flint, or Authorize.Net, allow you to set up a merchant account and a payment gateway service in a package deal. However, processing credit cards is not free. You as a business will be charged a monthly fee for utilizing their services, as well as a fee per transaction, which can be up to about 5 percent. When you utilize PayPal specifically, a customer also has the option to pay for their purchase using their PayPal account instead of their credit card, which may attract an even wide range of customers than before.

Many of these services also provide clean, professional looking checkout screens, invoices, and invoice emails to both you and to your customer. This helps to enhance how professional and credible your business comes across to the customer and may compel them to return to you and make further purchases, which helps to build customer loyalty.

Even though setting up your business online can be overwhelming at first, and you may not know where to begin, many of the services and third-party companies that provide internet merchant accounts and payment gateways will take care of making sure that you are able to accept credit cards and debit cards through your website, making your business run more smoothly and making the purchasing process that much easier.

manual credit card machine

Even though technology is rapidly growing and evolving, sometimes there are situations where it may not be available for a period of time. When automatic credit card processing cannot be used for a period of time, it is important that a company is still able to run transactions when a customer wants to use their credit cards. This is where manual credit card machines and equipment come into pay, so that businesses can continue to run smoothly even when their usual equipment is down.

The main way to manually process a credit card is with a manual credit card machine. A machine like this utilizes the tool of carbon paper, which makes a copy of the credit card by copying the information needed onto a sales slip after using a block to swipe over the customer’s actual credit card. The merchant or business can then ask the customer to sign the sales slip with the copy of their credit card information to make the agreement that they will actually pay the amount that is being charged.

This is done because in automatic transactions, the transaction process is able to be run in a matter of seconds, and that is not available in this situation. The process involves the merchant’s bank contacting the credit card network, who then contacts the customer’s bank to see if there are funds available to actually make the purchase. If there are, the customer’s bank approves it, and if there are not, they decline it, and this decision is communicated back to the merchant in a matter of mere seconds.

This cannot be done when the automatic equipment is not working, which is why the customer signs the sales slip to agree that to the best of their knowledge, there are sufficient funds available and they will be able to pay off the purchase.

Once the signature is obtained, the merchant is able to run all of the different credit card information they have gathered throughout the day into whichever company they have their merchant account with. Some examples of this are PayPal and Quickbooks. These companies allow the business to run all of the credit cards that customers have used to make purchases during the day by inputting the card information and then initiating the transaction process as outlined above.

Even though it takes more time and effort than a regular automatic credit card machine, the manual credit card machine does save some time when automatic equipment is not available. If not for the carbon paper, the merchant would have to write down the customer’s credit card number, expiration date, and CCV as well as the address of the cardholder and then obtain the signature in order to later input the information into their processor. The manual credit card machine makes it so that instead, the merchant just needs to take an imprint of the card, and then they are able to continue on with the rest of their transactions.

With just a tablet and a tiny square, you can run your own business. The business tool Square is incredibly useful for processing credit card transactions in a portable way by combining the square with the use of a tablet.


So, what is Square?


Square is a software used by businesses to process credit card transactions, and it is known by its small square-shaped magnetic swipe reader that can be attached to either a tablet or a smartphone. This allows you to turn your device into a point-of-sale rather than using a traditional cash register and computer interface.


Paying for Square varies dependent on how much you want to include in your software, but there is a large variety of options. You also pay for Square through each individual transaction swiped through the Square reader. Square charges 2.75 percent per each swipe, dip, or tap of a credit card purchase processed through the reader, and 3.5 percent plus 15 cents for any keyed-in transaction that occurs.


There are no monthly fees, and there are instant deposits available, with other deposits coming into your bank account after one to two business days of processing.


The Square Point of Sale software accepts credit and debit cards, checks, cash, and gift cards, can process credit cards even without internet connection, can provide digital or printed receipts, can charge invoices or monthly payments, and also reports on sales and inventory. Square does not charge for refunds, taxes, discounts, or tipping, and you can do this all on the Square Point of Sale app as well.


Square also provides a more complex software called Square for Retail, which includes all of the same features as the Point of Sale service, but with additional features as well. The Retail service lets you use a search-based point of sale, track multiple locations of inventory, manage and create customer profiles, and to issue employee timecards.


You can also add additional features such as E-commerce, which lets credit card transactions process through your website. You can also let customers book appointments, and you can create and send email marketing campaigns as well as starting up loyalty programs. These features do come at an additional fee, but you can select which ones best suit your needs.


Overall, Square provides a great alternative to a traditional cash register point of sale, as it is much more sleek, portable, and modern, and the software does provide plenty of options as an all-in-one service that can be customized to fit your needs and your pricing and budget range. The tiny Square reader itself is free, and you can also upgrade to a chip reader if you want one, which is 29 dollars. The service is definitely worth investing in for any starting business, as it provides anything you could need in terms of credit card processing and customer and employee communications.

With the use of smartphones, online shopping is at your fingertips. You can use your mobile web browser to shop with ease, or you can use one of the apps that many popular stores provide as an alternative to their mobile websites.


Many store’s websites, such as Forever 21, Urban Outfitters, and Amazon, have updated their websites to make them mobile-friendly, meaning that they are easy to navigate and view without having to zoom in or out, and the menu options are clean and easy to use on the smartphone touch screen.


All of the above listed website also have developed mobile apps that can be installed instead of visiting the website. These apps save your customer information such as your address and email address, as well as your credit card and shopping preferences if you so choose to input them.


There are also ways to online shop that are specifically meant for smartphone use. One example of this is Poshmark, which is a clothing resale and shopping app that eventually created a website after popular demand. This app allows smartphone users to search by their favourite brands or what specific item they are looking for, and to browse all items posted to the app that match the search query. Since posting items for sale is completely available to all users, there is a lot of content available. That’s why the app allows users to set their size preferences, so that they only see items that are within their size range. Credit card charges are processed through Postmark rather than through the individual sellers as an added measure of security.


When you shop from your smartphone, you also have the added advantage of utilizing your phone’s pay and wallet services (for example, Apple Pay, Android Pay, Wallet, or Google Wallet). These apps or services allow you to input and save your credit card information into your smartphone, and when you pay using a Pay service, the smartphone does not give away your credit card information when allowing the website or app to process your transaction while you are online shopping. Instead, it provides the mobile site or app with a unique transaction code or device code, that way your card information stays secure. And if you pay with an iPhone specifically, your purchases are protected by Touch ID, meaning the credit card owner’s fingerprint must be scanned in order for a charge to the credit card to be processed.


The internet and smartphones have brought about many changes in the way that we interact with the world around us, with the way that we go shopping being a major change. We are now able to shop from wherever we are in a secure and safe way with the protection features and services that our smartphones provide, and the online shopping experience continues to grow and evolve as our smartphones continue to grow and evolve, too.

There are very few things more irritating than a long, long layover at an airport between flights. However, if you have your wallet and your credit card in hand, you can kill time by turning the airport terminal into your mall and going on a shopping trip while you wait to catch your next flight.


Airport terminals have many different places to shop and swipe that credit card, besides the regular gift shop, especially in international terminals. You can visit different restaurants, treat yourself to a glass of wine, and even go on a shopping spree.


One great spot for a layover is the Vancouver Airport’s terminal, either on the domestic or the international side. With two different Starbucks locations, a Tim Hortons, fast food options such as A&W and Wendy’s, and sit-down restaurants and bars like Koho Restaurant and Bar, Lift Bar and Grill, and Vino Volo, to name a few, the dining options are plentiful.


You can also go shopping at stores like Burberry, Cartier, Gucci, and Victoria’s Secret, plus your typical airport stores such as Hudson News, souvenir shops, and duty-free stores, where purchases to your credit card are processed without any taxes or additional fees, and you can purchase items you will be allowed to carry with you on to your next destination.


With the swipe of a credit card, you can also indulge in services such as those at one of the four different Absolute Spa locations throughout the Vancouver Airport. Services such as massages, facials, hair styling, and waxing and hair removal services are available for purchase, allowing you to relax and unwind before your body has to process the stress of another long flight.


You can also use your credit card to prepare yourself for your next destination, by withdrawing money at the Royal Bank of Canada ATM and bringing it to one of the many ICE Currency Exchange locations that can be found throughout the airport. That way, you can make sure that you have the correct currency that you need for your next destination before you land, so you don’t have to stress and worry about finding a place to withdraw money and exchange it for the local currency upon arrival. And you have the time to do it at the airport, so why waste your precious vacation time in line at the currency exchange?


Even though layovers may seem like a big pain, they don’t have to be if you look at them a little differently. Rather than being bummed about a waste of a day or worrying about being bored for the entire duration of your day at the airport, see it as an interrupted chance to dine, shop, and indulge in spa services within the terminal without any other commitments to make (besides your connecting flight, of course!). So grab a glass of wine, put your feet up for a massage, and get your credit card ready to shop until you drop.

EMV………..Conforming to the global standard

EMV obviously helps to alleviate fraud at the POS, but it does not safeguard cardholder data once the payment method and consumer are confirmed. The cardholder and the card itself have now been validated through EMV but the actual card data is sent in the clear unless the merchant has layered on an encryption and tokenization solution to protect and remove sensitive card data from the merchant environment. A layered approach to fraud and security is the only way to truly be protected. Two important layers include: Card data security – A strong encryption and tokenization solution can bolster the security of the entire payment transaction and reduce PCI compliance efforts and Card fraud protection – Layer EMV with encryption and tokenization plus online fraud and verification tools

For a chip-based transaction, it’s possible to authorize the payment using either an online or offline process. When online authorization is used, transaction information is sent to the card issuer for approval. If an offline process is used, the transaction information is transferred from terminal directly to the chip card itself for authorization by the chip. Transaction authorization is then determined by issuer-defined risk parameters stored in the chip, rather than direct approval by the issuer. A hybrid process is also possible, whereby cardholder verification is conducted via offline PIN, and the transaction itself is authorized through online communication.

Making use of both online and offline authorization options both has lots of advantages. The online authorization allows for an additional layer of security and fraud protection, since most fraud mitigation tools function online, in real-time. Online authorization also simplifies chip production, encryption key management and merchant infrastructure, and it saves cost and reduces overall complexity.

The main advantage of allowing offline authorization is that it is consistent with global standards, ensuring compatibility and interoperability with international issuers’ payment devices. In addition, it also allows for transaction authorization functionality even in the absence of online connectivity as in Europe where almost 7 percent of all transactions rely on offline authorization.
For some issuers that choose to verify cardholders using an offline PIN validation process, there are several items to consider pertaining to PIN management. The issuer must provide a process for customers to change their offline PINs (which could involve using ATMs, IVR, merchants’ POS and/or in-branch services. If a card supports both online and offline PIN validation methods (as is the case for cards in most EMV countries), then separate online and offline PINs could exist. In this scenario, the issuer must either provide customer education on PIN management, or ensure that the PINs are synchronized to avoid cardholder confusion.

EMV Cards……….Bringing stability to the payment industry
EMV has played a great role in making fraud to become a thing of the past. Wherever EMV has been implemented comprehensively, including the objective PIN verification by the chip, there has been a significant fraud reduction ratio that has been achieved and sustained. In fact, EMV has become the only available technology to prevent card payment fraud from occurring in an efficient, systematic and globally interoperable way. Also, there has been no other technology that is advertised that has an alternative global deployment and support base and the maturity of EMV. Judging from the real perspective, EMV represents a typical example of a mature ecosystem with established roles and benefits for all stakeholders.
Since over a decade now, EMV possesses underlying standards that have been more stable. The necessary evolutionary changes have been managed carefully in a way that each new release or version is always backward compatible with prior releases. This ensures that the significant investments in software, hardware, communication networks and backend systems are protected. The standards are also accompanied by an efficient certification regime executed by EMVCo and the payment systems making sure the cards and devices interoperate worldwide.
There are huge numbers of industry suppliers from all over the world providing a vast portfolio of certified components. This ensures global competition on price and product quality and innovation. Thousands of banks, processors, and domestic and international payment systems in almost every country on the globe have integrated EMV into the fabric of their daily operations.
Judging from a real-world fraud-prevention standpoint, EMV is significantly more secure than traditional magstripe cards. Through the use of advanced encryption, embedded card risk analysis capabilities, and online and offline authentication, most of the traditional methods used to steal card data or to clone cards using magstripe technology are rendered worthless, or at the very least, very difficult to accomplish.
EMV specifications are the bedrock for contactless and mobile payment transactions. This relates to their functionality and transaction flow as well as to the associated security fundamentals. As a result, a mobile transaction is no different from a card transaction at the POS. Enabling the device side to perform contactless and mobile transactions means to implement these new features and security measures and change hardware and software of the devices

EMV Cards………Benefiting the entire payment value chain
EMV is embedded with the promise of reduced card payment fraud and enhanced global payments interoperability, and when combined with additional layers of security (like encryption and tokenization), it will definitely benefit the entire payments value chain. As the U.S. payments industry opts in into chip and pin, issuers and merchants are already flowing along in this new era of payment.
Because of EMV’s proven ability to dramatically reduce card payment fraud, there is a steady drumbeat that has pushed the U.S. electronic payments industry toward implementation. Now is the time for all major stakeholder organizations to take a seat at the table to collaborate on what form the new payments infrastructure should take. There are many options to consider and decisions to be made, but from lessons learned around the world it appears that EMV in the United States will confer the greatest fraud reduction and usability benefits if it is based on Chip and PIN with online authorization, with dual-interface chips and terminals that support both contact and contactless transactions to help support the consumer push towards mobile payments. This combination would seem to serve the greatest need and provide the most security value. In addition, stakeholders must plan for ways to educate consumers to minimize their confusion and problems with adopting the new payment procedures
Although EMV is often equated with “Chip and PIN,” they are not the same thing. Chip and PIN is just one possible implementation of the EMV technology. In fact, the technical specifications for EMV-enabled cards do not require a PIN, or a signature, or any other form of cardholder identity verification. Rather, the issuing bank specifies which cardholder verification services are required for a transaction with rules it places on the chip. Regardless, it is widely accepted that the combination of card validation via the chip, and cardholder authentication with a PIN provides the greatest protection against common consumer-level attacks like fraudulent use of lost or stolen cards, counterfeit cards and skimming
As global experience demonstrates, the adoption of chip technology can reduce fraud at the POS but can also drive higher card-not-present (CNP) fraud. In tandem with bringing in EMV at the POS, the issues of CNP have been addressed strategically with additional security layers such as fraud protection solutions and increased verification methods. This means that the infrastructure required to facilitate EMV payments are already in place, regardless of any remaining uncertainty surrounding how financial institutions choose to issue chip cards or merchants choose to accept them.