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Credit Card Processing Options

Accept payments onsite, online, or on the go

We make it simple to accept payments wherever your customers are 

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We offer many options for credit card processing. With Wells Fargo Merchant Services, you’ll get flexible, streamlined solutions that make it easier to accept payments, run your business, and keep up with changing technologies.

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. Accept many forms of payment, and have confidence knowing that as payment processing changes, we change with you.
  • Fast funding. As soon as next business day.
  • Encryption. The TransArmor® solution helps protect your customers’ card data with encryption and tokenization technology.
  • Mobile Payments. Accept mobile payments including Apple Pay®, Google PayTM, and Samsung Pay.
  • EMV Support. We’ll help you accept EMV chip cards, protect your business, and comply with EMV security standards.
  • PIN and signature debit card transactions. We support PIN debit transactions and signature debit card transactions.
  • Consolidated statements. American Express card acceptance and Discover Full Service program offer the ability for you to sign up with one merchant account for all card types to receive funding and a consolidated statement.

Mobile payments

As smartphones become nearly universal, mobile payment technology is going mainstream. Mobile payments free up consumers from carrying cards, while offering more convenient, faster, and often more secure payments.

Features and benefits

  • Convenience. Customers prefer the convenience of mobile payments as a growing part of their digital experience.
  • Speed. Speed up payment processing in your store by supporting mobile payments.
  • Security. Payments using a mobile device provide the latest in security.
  • EMV Support. We’ll help you accept EMV chip cards, protect your business, and comply with EMV security standards.

 Process payments faster 

When you use mobile payments, in some cases, you don’t need to print a receipt.

Ecommerce/online credit card processing

Customers expect to buy online almost anywhere. A payment gateway lets your business accept payments online, in person, or by phone. We’ll make it easy to set up a secure, reliable gateway that’s integrated with your other payment systems and your merchant account. Our gateway solutions support a wide range of convenience and security features, including these and many more.

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 convenient. Tokenization and fraud controls add security, while batch processing, recurring billing, international payments, make running your business easier.
  • Flexible access. Simply direct customers to a dedicated checkout interface, or manage payments on your own site using our API.
  • Easy integration. Compatible with shopping carts such as mobile payment options such as Apple Pay®, Google PayTM, and Samsung Pay, and is fully integrated with your Wells Fargo merchant account.
  • EMV and Mobile POS capable. Accept card-present payments with an EMV enabled device or a simple card reader connected to your tablet or smartphone.
  • Dedicated support. Get help with setup and maintenance 24/7 with online tools and a dedicated support team.
  • PCI compliant. All gateways we offer have demonstrated PCI-DSS compliance.

Gift cards and rewards

Bring in new customers with gift cards and stay in touch with current ones through a rewards program. These options can boost sales and improve cash flow while enhancing your brand, and are easy to customize.

Features and benefits

  • Acquire customers. Gift cards can attract new customers, potentially increasing overall revenue and incremental sales. They can also increase the frequency of customer visits as the average card is used 2.5 times.
  • Build brand awareness and loyalty. Gift cards not only advertise your business, but they can be reloaded, encouraging repeat business.
  • Increase sales. A national survey reported 56% of consumers spend more than the initial face value of the gift card.
  • Enhance cash flow. Gift cards are prepaid. Invest these dollars in your business.
  • Reduce cash back. The balance remains on the gift card. Gift cards can also be issued instead of cash in exchange for returned merchandise.

Gift card design options

You have two options for the design of your card:

  • Standard Card Program. We offer pre-designed cards with your business name. Download our Gift Card Options Program brochure (PDF) to see the variety of styles you can choose from. Minimum order starts at 100 cards.
  • Custom Card Program. Gift cards can be custom designed for your business. Provide your company logo and artwork in electronic format along with the text for the back of the card and we’ll do the rest. Minimum order starts at 1000 cards.
Get started now. Get a Quote
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:

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.