Basically, the term refers to a specialized Bank Account that Credit Card and eCheck payments can be deposited into once processed. Having one allows you to accept credit cards for payment.
Merchant Account Providers like 2computerchicks.com provide you with equipment and software to allow you to process all credit card orders and have them deposited to your Merchant Account and then transferred to your Business Banking Account within 48 hours.
You need a merchant account for your Retail location and another one for your Internet store. Credit Card Laws insist on keeping Retail and Internet processing separate because of the higher fraud rate associated with Internet credit card processing (card not present).
Testimonial - "Holly,
Thanks for getting those changes made quickly. I think the SFTA is blessed to have you for the web master. We have had many good comments about the site, especially the way the Last Chance Store looks on line. You deserve the credit for that.
Yes, and taking credit cards are helping business (even more than I had expected, like nearly doubled it). Everything worked without a problem!
Keep up the good work.
Leo"
www.santafetrail.org
How You Can Get an EXS Merchant Account - Fill out the form here for your Free E-Commerce Consultation and we will put together a quote for you and send you the appropriate paperwork etc. to get started. The process takes about a week if you have all your payments and paperwork turned in at the same time and your paperwork is filled out correctly and completely. We even have choices for merchants that have less than perfect credit. Merchant Accounts are acquired through our affiliation with

EXS Processing...
Click here to visit their site for more info!
Electronic Exchange Systems is a registered ISO/MSP of HSBC Bank, National Association, Buffalo, NY.
What else will I need to be able to accept credit cards? - If you are looking into starting an e-commerce web site business, you will need a shopping cart to have a piece of software that can take your customers orders, calculate shipping and handling and tax and give them a final total and pass the total to your electronic gateway (below)...that is another piece of software that is the go-between your merchant account (above) and your shopping cart. Miva Merchant is your shopping cart answer. This shopping cart software is a dynamic browser based storefront development and management system that allows merchants to create and administrate multiple online stores from anywhere in the world. Click here to read more about Miva Merchant and how it can simplify and enhance your e-commerce world!
Click here to see our Miva Merchant Shopping Cart!
Electronic Gateway - Once you have your web site, your shopping cart and have opened a merchant account and a business bank account, now you need a third-party processor (or Electronic Gateway Software) to have a mechanism for processing credit card payments. This piece of secure software, sends the total that was calculated in the shopping cart, to actually take the money out of the customers credit card in real time and send it to the merchant account, that then sends it to your business bank account as a deposit within 48 hours. We provide the Authorize.net electronic gateway services.
Click here for more info on this gateway...
Technical Support Services - We know that they are times when you just need that little bit of technical support...especially when it comes to e-commerce, gateways, merchant accounts and shopping carts. please let us know how we can help you by
sending us an email and letting us know.