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online Virtual Credit Card Terminal allows you to manually process credit card and check transactions from any computer with an Internet connection in the world. You simply login to a secure website with a login and password and you are able to charge cards [link widoczny dla zalogowanych], perform authorizations, and even process credits.
Turn your computer into a credit card terminal. Use any internet device to connect to the internet and process credit cards. No software or hardware needed to process credit cards anytime using any computer [link widoczny dla zalogowanych], internet connection, palm pilot, cell phone etc..
How do I get the money from a credit card sale?
You submit a Transaction to your processor using your electronic terminal or Online Processing Software. Either option works almost the same way. The terminal or Online Processing Software communicates with the Visa/MasterCard Authorization to ensure that the Credit Card is valid and that the transaction amount does not exceed the cardholder's credit limit. The authorization puts a "hold" for the transaction amount on the cardholder's credit limit. That way [link widoczny dla zalogowanych], the funds are available to you when you complete the transaction. To complete the transaction you will simply close your batch at the end of the day with your terminal. By doing this, you are promising the merchant account provider, sponsoring bank, and issuing bank that you are prepared to deliver the goods and services expected by the cardholder.
With Online Software, you usually do not need to close your batch as transactions are processed Real Time. From the time you close your batch, funds are directly deposited into your bank account. This process usually takes 48-72 Hours.
Mike Knutterson is the author of this article on internet merchant account. He's the President of the credit card processing company Electronic Transfer. For more information about the Internet credit card processing visit his site Virtual Credit Card Processing Terminal or call 1-800-757-5453.