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What You Should Know About Credit Card Processing

By Donovan Media

Business growth increasingly depends on credit card processing. It’s a fact that businesses without merchant credit card processing have a steep hill to climb in terms of competitiveness and keeping market share during difficult economic times. A free terminal approach can be very appealing to merchants, since hardware can be the most expensive investment to start a credit card processing system. Bankcard New York has made this offering an important part of its merchant services program.

Bankcard New York is working with merchants to provide free terminals for credit card processing in every situation. They also provide functional payment gateways that are highly compatible with shopping cart programs, and offer POS terminals for credit or debit transactions that are a safer option than phone transactions. Handling transactions and verifications by phone can lead to errors and financial loss.

Different types of fees are frequently charged by credit card processors. Discount fees are common and vary, so it’s important to analyze which discount fees are the most relevant to your merchant credit card processing needs.

Discount fees generally apply to the percentages charged by the processor for each transaction. The percentage is determined through an evaluation of credit history, amount of credit card transactions anticipated and the type of business. Usually, discount rates are based upon two types, including businesses that offer signature-less services, including online payments, and for retail or physical transactions.

There are numerous other fees that can be charged by merchant credit card processing companies, including an application fee, start up fee, activation fee, statement fee, monthly minimum fee, payment gateway fee, charge back fee and termination fee. Bankcard NY recommends that business owners carefully decide which services are important to the revenue stream of the business.

Learn more about Credit Card Processing. Visit Bankcard New York’s site where you can find out all about lowest rates and what Bankcard NY can do for you.

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Article Citation
MLA Style Citation:
Media, Donovan "What You Should Know About Credit Card Processing." What You Should Know About Credit Card Processing. 25 Aug. 2010. 15 Mar 2015 <>.

APA Style Citation:
Media, D (2010, August 25). What You Should Know About Credit Card Processing. Retrieved March 15, 2015, from

Chicago Style Citation:
Media, Donovan "What You Should Know About Credit Card Processing"

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