Merchant Accounts

Need to setup your new merchant account or existing shopping cart or payment page?
Earth Skater's Merchant Account Integration service will have you accepting payments in no time.

Integration services for CyberSource, Authorize.net, PayPal Pro / Standard, Recurring billing, LinkPoint, eProcessing Network, and Authorize.net Emulation, OSCommerce.
Earth Skater also supports Authorize.net SIM, AIM, eCheck, and ARB Automated Recurring Billing in ASP, PHP, and .NET.

Merchant Account Comparison

All merchant accounts include the service of Earth Skater's experienced support consultants.
 

What is a Merchant Account & Payment Gateway?

A merchant account is a special account that is setup for a business to accept and process credit card orders.  After processing a customers credit card the transaction goes through a series of complex stages.  The money transferred through the merchant account is then deposited into the business's checking account within 2 to 3 business days.  The payment gateway is the Authorize.net, PayPal, CyberSource software which allows you to process payments through your merchant account on your website.

What is Automated Recurring Billing?

Automated Recurring billing allows you to submit customers for automatic recurring payments to your company on the payment schedule you set.  Earth Skater provides custom programming and web development for Authorize.net ARB recurring billing in ASP / PHP / .NET.

Requirements for a Merchant Account

Here are the typical requirements to obtain a merchant account with Earth Skater:

- Your Social Security Number or business Tax ID number to prove you are a legitimate business.

- Checking or savings account information to deposit your funds

- A printer and fax machine to print, sign, and fax your merchant application contract

- A copy of a voided check required to prove this is your bank account

- A web site address with your items or item for sale for review

- Your website must have your shipping / return / refund / cancellation policy information

Explanation of Credit Card Processing Solutions

In order to process credit and debit cards through your merchant account you must decide which processing solution is right for you. 

Real-Time Processing - The solution for businesses on the Internet.  Real-Time allows you to automatically process credit card orders through your merchant account with no assistance needed on your end.  Everything is automated, and the funds transferred into the merchant account, from the cardholder, is deposited into your business checking account, within a few days.  All Real-Time solutions are secure and the purchase of a secure certificate is not usually required.

Virtual Terminal / Point of Sale - If you expect to receive orders via phone, fax, or mail then your merchant account and gateway should include a Virtual Terminal solution.  A Virtual Terminal is a secure website point of sale page where you login and manually type in a customers credit card information to process a transaction.  A Virtual Terminal can be accessed securely from any computer connected to the Internet.  Most all Real-Time processing solutions also come with a Virtual Terminal at little or no additional cost.  Virtual Terminals can also double as good mobile processing solutions.