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1. Customer Checkout - Quantities, total dollar amounts, sales tax, and shipping are calculated.


2. Customer Authentication or Imprint - Generally, card transactions occur in one of two situations – card present or card not present.
Card Present – A card is presented for payment by the customer and swiped through a point of sale device. Signatures and identification are sometimes verified. Card Not Present – Occurring over the Internet, via telephone, or mail order, the credit card transaction occurs without the customer being physically present. To authenticate the transaction additional authentification information is verified (AVS & CVC)

3. Authorization (Approve, Decline, or Call Center) - The payments processor verifies that the account is in good standing, if funds are available, and/or if there has been unusual or erratic spending activity on the card. An approval authorization is granted if these conditions are satisfied.

4. Sale/Batch Settlement - At the end of the day, the merchant is responsible for batching all sales taken throughout the day. If there are 100 transaction, or just one, a single deposit will be sent to the payment processor and associated with each batch.

5. Payment to Merchant - Within 2 or 3 business days of accepting the payment and settling their batch, the merchant will receive a deposit for the batch minus any nominal processing fees.

It generally takes 2-3 business days after a batch is closed to receive the deposit into your checking account. NOTE: Business days are Monday through Friday, excluding holidays.

Intuit Payment Solutions is a full service merchant service provider that supports all credit card types for most businesses; however, separate approval may apply. These cards include Visa, MasterCard, American Express, Discover® Network, Diners Club/Carte Blanche, JCB, Debit Cards, ATMs, Electronic Benefits Transfer (EBT), Gift Loyalty Cards as well as Check Verification services.

Intuit Payment Solutions approves most applications within 24-48 hours. Once you have been approved you can set up your account quickly and begin processing.

1. Complete a merchant application - Since a merchant account is a financial service involving the exchange of funds, you will need to complete a simple application. The application information includes: Name, address, and telephone
Checking account (for funds to be deposited/withdrawn) Federal Tax ID (for Corporations, LLCs, and Partnerships), and your Social Security number (for Sole proprietorships)
Type of business
Credit card processing history, if applicable

2. We’ll review your application - Our underwriters review your application for credit and type of business. Most applications are generally approved. However, certain business types may not be accepted.

3. Setup - Once you are approved, we will assist you with setting up your processing equipment or processing software (if you’re using a PC) and run a test transaction. You’re then ready to process!

Yes – for most service based businesses; it requires a special setting in the point of sale device though so please request tip/gratuity setting upon application.

Authorization of a transaction occurs within seconds when systems and connectivity are functioning properly.

A transaction is an agreement between a buyer and seller to transfer assets (or “funds”) as payment for goods or services received by the buyer. Transactions include: Card-Present or “Swiped,” Transactions
Card-Not-Present Transactions A card-present, swiped-transaction occurs when the merchant swipes the credit card through a terminal or card reader and then hands the card back to the customer. These transactions have the lowest discount rates because the cardholder and the card are both present at the point of sale.

A card-not-present transaction occurs when the merchant does not physically swipe the customer’s card. There are two forms of card-not-present transactions:

Keyed-transactions, which are manually keyed-in by the merchant using the customer’s card number
Internet transactions, which are processed automatically through the merchant’s online Web store.

These types of transactions have higher discount rates because the consumer is generally not present and does not sign a sales receipt.

A sales draft provides evidence of the transaction. It can be an impression of card’s account number, expiration, and cardholder’s name, dollar amount, and signature manually obtained from a card through the use of an imprinter. Or it can be electronically obtained by swiping a card through a terminal and printing a part of the card’s account number, expiration, and cardholder’s name, dollar amount, and signature.

Internet payments occur over a multi-step process.

1. Merchant Website – This could be any ecommerce site, Internet store.

2. (Shopping) Cart – A like a shopping cart in a supermarket, the cart collects the items that the shopper of collecting until the buyer is ready to check out, or pay. Ecommerce shopping carts have to ability to count, summarize costs, apply a shipping rate, and any applicable tax rate when the buyer is ready to enter their payment information.


3. (Payment) Gateway – It is the equivalent of a physical point of sale terminal located in most retail outlets. Payment gateways encrypt sensitive information, such as credit card numbers, to ensure that information passes securely between the customer and the merchant.


4. Host (Authorization & Settlement) – The host provides an authorization or decline message for the transactions with the card account number and/or available balances. The Address Verification System (AVS) and 3 digit verification code (CVV) are also authenticates as matching, or not matching, regardless of the approve or decline response. Authorization is usually completed within 2 or 3 seconds.


5. Merchant Bank – Once the transaction is approved, the payment from the processor will arrive at the merchant’s account within 2-3 days.

A manual imprinter should be used when one of the following events occur: The point-of-sale terminal failed to read the magnetic stripe on the credit card. The point-of-sale machine is not operational. The proper authorization was not obtained or a voice authorization was obtained. The credit card number is manually entered and/or keyed into the point-of-sale terminal. An electronic printer was not used to print a receipt as a record of the transaction.

Mobile card reader processes credit, debit and gift cards directly from your mobile phone or tablet from any location. Our mobile card reader is compatible on all iPhone, iPad and iPod Touch devices running iOS 4.0 and higher as well as Android devices running OS 2.1 and higher.

 If you need to order additional mobile readers, please click here.

A USB card reader processes credit and debit cards directly from your PC using your USB ports (no external power supply required.) This eliminates the need for a stand-alone terminal, allowing you to swipe a credit card and qualifying you for the lower swiped rates.

For QuickBooks Merchant Services and QuickBooks Online Merchant Services, you can order one by clicking here. For Point of Sale Merchant Services, you can order one by clicking here.

The FAQs below answer the most common questions our customers have.

If you still need help after trying these, you can reach us at (800) 558-9558.