Processing Credit Card Payments Over the Phone

Processing credit card payments by phone allows a business to have many more customers. Not only does it allow customers a convenient method of paying for orders, but it also allows the business an easy way to grow its profits and customer base. However, in order for everything to go smoothly certain guidelines must be followed.

To have an effective system for payment processing, the business must be legally established. This is a requirement for accepting credit card payments, and can be structured as a sole proprietorship or corporation. The next step is having a business checking account. Credit card funds must be deposited into an account, and having a business checking account allows for a business name to appear on a customer’s credit card statement.

Selecting a phone number to use for payment processing is important. Having a toll-free number for this is best, because it gives customers peace of mind that their payment information is secure. Next, the business must either have advertising materials or a website showing the products or services to be offered. To accept credit cards, the underwriter that approves the merchant accounts must be able to review the product or service offered. By having these materials, a business increases its chances of being approved for credit card processing.

The next step is to apply for the merchant account. Merchant accounts accept the credit card payment in return for a percentage of each sale, and may have a different percentage rate for credit card payments taken over the telephone. Therefore, when applying for the account it’s important for a business to disclose it will be accepting payments by phone.

Because identity theft can be such a problem in today’s world, it’s vital to know what security feature are available for both customers and the business. If the personal information of customers is compromised, the business can be sued. Finally, making sure the merchant accounts processor is PCI compliant is necessary. Also known as Payment Card Industry compliant, it’s a regulated method of ensuring the private information of customers is safe from hackers or a system failure or malfunction.

A business that follows these steps and takes its responsibility to customers seriously will be well on its way to being prepared for credit card payments by phone. By choosing the right processor for the payments, both the business and its customers can sit back and relax.

Leave a Reply



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
Call Us Today! (866) 837-0751

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

Call (866) 837-0751 for details.