Credit Card Processing - Start Accepting Credit Cards Today

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Credit Card Processing Options

Accept payments onsite, online, or on the go

We make it convenient to accept payments wherever your customers are 

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Offer your customers more ways to pay – almost anywhere you do business. Whether you need to accept credit, debit, and mobile card payments at your location, online, or on the go, there’s an option for you.

Credit and debit card processing

Accepting credit cards and debit cards is essential for almost any business — but the world of payments is changing. We can help you stay up to date with the latest payment and security features, access your funds as soon as next business day and manage all card types through a single account.

Features and benefits

  • Convenience. Allow your customers to pay the way they prefer – credit, debit, or mobile payments – conveniently at checkout whether that’s by tap, dip or swipe. And know that as payment types evolve, we change with you.
  • Get paid fast. Get access to your funds as soon as the next business day.
  • Encryption. The TransArmor® solution helps protect your customers’ card data with encryption and tokenization technology.
  • PIN and signature debit card transactions. We support PIN debit transactions and signature debit card transactions .

Mobile and contactless payments

Accepting mobile payments gives customers a convenient way to pay that’s quick, and built into their daily routine. Whether you’re an established business owner or just starting out, we have the knowledge to help you take advantage of the latest technologies.

Features and benefits

  • Convenience. Give customers the convenience of paying with a quick tap of their phone using mobile payments such as Apple Pay®, Fitbit PayTM, Garmin PayTM, Google PayTM, and Samsung Pay or with a quick tap of their contactless card.
  • Speed. Your customers can speed through checkout with a tap of their card or their mobile wallet which helps cut down on lines and wait times at restaurants, pharmacies, grocery stores, and more. And in some cases, you don’t need to print a receipt – saving additional time, and paper.
  • Help enhance security. Chip cards and mobile payments offer advanced encryption and safeguards to help you prevent fraud and chargebacks.

Ecommerce / online credit card processing

Customers expect to buy online almost anywhere. Regardless of your business’ size, we can help make it convenient to set up a secure, reliable way to accept payments online that’s integrated with your other payment systems and your merchant account.

Features and benefits

  • Cloud-based payments. Handling payments in the cloud streamlines setup, keeps payments secure by keeping payment information off your site and ensures your gateway is always up to date.
  • Secure and convenience. Tokenization and fraud controls add security, while batch processing, recurring billing, international payments, make running your business easier.
  • Invoicing. Generate and send invoice to business and consumer customers.
  • Flexible access. Simply direct customers to a dedicated checkout interface, or manage payments on your own site using our API.
  • Help avoid cart abandonment. Customers who already use PayPal, Apple Pay, or Google Pay can pay without having to enter their card information again.
  • Chip and mobile POS capable. Accept card-present payments with a chip-compatible device or a card reader connected to your tablet or smartphone.
  • Additional benefits: PCI compliance, online tools, reporting, and 24/7 support help keep things running smoothly.

To apply online, your business will need to have:

-A Wells Fargo Business Checking account
-Less than $500,000 in annual sales
-One owner who is a U.S. citizen

Apply Now
Or, call us for a quote at 1-866-380-9828.

Helps protect customer card data using encryption and tokenization and may simplify your PCI compliance by removing sensitive data from your merchant card data environment.

How it works:

  • When you send a transaction for processing, the information you send will be encrypted.
  • When information is sent back to you, the customer account number is replaced by a token (substitute) number.

PIN debit transactions

The most secure debit transaction type as it requires the debit card and cardholder to be present, and the cardholder to enter a PIN (Personal Identification Number) into a PIN Pad at the time of purchase. With this method of payment, you can also offer optional cash back to your customer with a purchase. PIN debit transactions provide immediate access to the cardholder's checking account funds and information is encrypted for secure transmission.

Signature debit transactions

Like credit card transactions, the debit card must have either the Visa®, Mastercard® or Discover® Network logo, which allows it to work in any card-present or card-not-present purchasing situation, including mail order, telephone order, and Internet. Cash back is not available when processing a signature debit card transaction.