There are many steps to credit card processing – each with its own importance. The merchant account needs to have all credit cards authenticated (or verified) to determine if everything is genuine. Here is a description of the Authentication process for credit cards.

Who authenticates your credit card and PIN?

Originally, the credit card issuing bank authenticated your credit card and password. With the proliferation of the World Wide Web, this function has been outsourced to a credit card processor, acquirer or acquiring bank. Each of these entities has been given the proper key codes to check the authenticity of the customer account.

The credit card industry breaks transactions down to many categories, including “card-present” or “card-absent.” When the card is present, the customer can swipe it and type in the PIN. These are the most prevalent transactions at brick-and-mortar stores. Some cards can be inserted into point-of-sale (POS) machines or use the “near field” EMV technology.

An online merchant account is an example of the “card-absent” transaction. Vital data must be keyed into the system manually. These “card-absent” transactions involve a higher risk of fraud because the business cannot verify the physical presence of the card.

What is the authentication process?

Credit card processing has become an essential part of the modern economy. One of the wisest decisions of credit card companies was to bear the majority of the fraud risk themselves. This helped both consumers and merchants feel more comfortable about credit card usage.

A merchant account will take a debit or credit card with no question’s asked because it is not the responsibility of the business to verify the credit card. The credit card was manufactured by the credit card issuing bank.

After a consumer provides the credit card, the information is sent to the acquiring bank for authentication. The account number is compared to the list of cards for that credit card brand. The password is compared to the customer’s recorded security provisions. There is also an address check. If all of this data matches stored credit card databases, then the credit card is authenticated.

How long does authentication take?

Thanks to the development of acquiring banks and fast POS electronic devices, the authentication of credit cards can be completed within minutes. Online authentication checks may take longer.



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.