Acquiring Processor

The acquiring processor is the credit card processing provider. Typically, a third-party merchant services company or independent sales organization (ISO) works with the acquiring bank to make certain that all transactions for each merchant account through the acquirer are processed correctly. The acquiring processor often handles other aspects of credit card processing, such as refunds and chargebacks; as well as other electronic transactions like debit, check and gift cards. Many acquiring processors also provide in-house merchant account services on behalf of the acquiring bank.

Transaction Processes

When a cardholder uses an electronic form of payment at a merchant’s location, the customer’s card data is passed through the merchant’s point-of-sale system, such as a credit card terminal or software. When dealing with a credit card, for example, the acquiring processor collects the data and then confirms through the card association or network and the issuing bank that the customer has enough money in his/her account and that the card has not been stolen. The issuer then creates an authorization number and sends it back through the processor so that the transaction can be completed at the point-of-sale, or it denies the request. At the end of the day, the acquiring processor also handles the settlement data when the merchant batches out and provides reporting through the merchant’s point-of-sale system.

Billing Management

Obviously, the process of handling these electronic transactions is not free. The acquiring processor makes certain that the correct amount of processing-related fees are applied to the merchant account and that the merchant receives the correct amount of funds. At least once a month, the company then issues the merchant a statement that outlines everything related to the processing, including the merchant’s current services, rates, amount of transactions processed, the total amount funded and any chargebacks details.

Merchant Support

Lastly, an acquiring processor usually offers one-stop customer support and sales services. Many acquiring processors provide cardholders and merchants with chargeback, complaint and retention resolution services through dedicated departments. They also offer billing customer support and round-the-clock transaction processing and technical support. The processor might supply the acquiring bank with sales reps tasked with approaching merchants to open new merchant accounts. Additionally, it might supply inside and outside reps tasked with upselling new services to existing merchants. Many processors also have account managers that provide personalized customer service on large volume and national accounts.



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.