Do you accept credits? Are you wondering how to set up a merchant account?

If you do not currently accept credit cards and debit cards, or if you are looking to find better discount rates for your existing merchant accounts, then MSNI can help you. By accepting credit card and debit card payments, both off-line and online, you can improve your revenues. The preferred method for payment online is by credit cards, followed closely by debit cards and electronic checks, and a payment gateway helps in carrying out the online payment transactions with ease.

There are many options available to you as a merchant once you set up a credit card merchant account, which include terminals, virtual terminals (web-based terminals), or phone verification. We at MSNI provide online payment processing software solutions, from which you can benefit. Take a look at our market solutions page to see how we can help you find a merchant processing solution that fits your business.

Merchant Services (Credit Card Processing)

With a merchant account, you can start accepting credit cards at your store or on your web site in less than 24 hours!

  • A credit card merchant account for immediate transaction processing
  • Accept all Major Credit Cards including Visa®, MasterCard®, American Express®, and Discover® cards
  • All funds are promptly wired into the checking account of your choice
  • Convenient online reporting and management of your transactions
  • Free equipment programming and overnight shipping
  • Free equipment setup, installation, and employee training

Merchant Services for Ecommerce Websites

  • Secure, encrypted, SSL (Secure Socket Layer) for secure transactions.
  • Online payment processing software allows you to instantly accept credit card payments in real-time over the Internet.
  • A Web-based terminal for easy processing of credit card orders manually
  • Domain name registration (Domain names as low as $7.95 per year)
  • Website hosting, email accounts, and account management online access

Credit Card Processing via Internet

The fastest-growing segment of credit card use today is in “card-not-present" transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant's location.

If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a special merchant account specifically designed for that purpose. Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa and Mastercard use different criteria for evaluating risk and have different fee structures for card-not-present transactions.

MSNI can help you easily establish such a merchant account and the entire process will take just minutes of your time and you'll be up and running in a matter of days.

The following pages are setup in a specific order to help you put together the right combination of credit card processing software or terminal equipment, and the services that best meet your needs.

When you reach the end of this process, you'll be ready to complete our online application, or to speak with an authorized MSNI sales consultant.

Internet Payment Gateway

MSNI is an industry leader in credit card and electronic check processing for Internet businesses. Whether you are just starting your e-business or have an existing web site that needs payment processing, MSNI has the products and expertise to ensure your e-business success.

We have devoted our energy and resources to making Web transactions reliable, secure, and scalable for thousands of merchants. We can do it for you!

We are a full service payment gateway with all of the features and services you need to process e-commerce transactions.

Ecommerce Processing Software

E-Commerce Gateways provide full credit card processing functionality with features such as on-line customer credit card authorizations, batched transactions, fraud detection and prevention, with full transaction reports.

E-Commerce Gateways can be integrated into virtually any internet storefront using an HTML query string or a simple form submit. With the use of our Universal Shopping System you can embed products for sale on any website without the use of scripts, programs, or other complicated technology.

Gateway Software Features and Benefits

Credit Card Terminal
The Credit Card Terminal allows you to perform and process manual transactions such as Sale/MOTO, Credit/Return, and Pre-Auth/Book. Sales orders collected from your web site through secure email can also be processed manually with the Credit Card Terminal.

ACH Terminal
The ACH Terminal allows you to process ACH (Automated Clearing House) transactions. Sales orders collected from a web site through secure email can also be processed manually with the ACH Terminal.

Recurring Billing
Our recurring billing features offers a robust, yet easy to use recurring billing system that can be configured to suit the needs of your business. The Transaction Manager Recurring Billing technology helps capture and protect up to 10% more of your subscriptions annually.

Membership dues and subscription fees are examples of products and services that are typically billed on a recurring basis. It is the perfect solution that allows you to set up regularly scheduled payments, such as dues for membership services or installment payments. Recurring billing offers you improved profitability, security as well as better control and predictability over your cash flow.

Comprehensive Online Reporting
The Reports tool allows you to view all credit card Settlement Reports (Sales, Pre-Auths, Credits, etc.) by date, by credit card number, by order number, or by Customer ID. You can also see when a batch was run, how much the batch totaled, and which transactions were included in the batch. In the credit card Transactions Reports, you can review Address Verification System (AVS) results or learn the reason a specific transaction was declined. ACH Transaction Reports tell you information about any check based transactions you have run over a given date range. The Export Orders utility allows you to export sales data using several popular file formats.

Fraud Protection
Developing and maintaining a current negative database of payment types and customers that have caused you problems or have committed fraud is useful in helping your business reduce costs and maintain profits. The Transaction Manager Fraud Protection system allows you to lock out, or unlock, certain credit cards, individuals, and/or countries that you choose not to support. This feature enables you to monitor your system for fraudulent transactions and set specific parameters for which types of transactions you will not accept.