Home   |   Existing Customers   |   Contact Us   |   Support/Maintenance   |    Advisors


Our Products

e-Commerce Integration

Demos and Evaluations

Case Studies and Testimonials

Free Trial

Buy Now - 30 day money back guarranteed

Contact Us

Credit Card Processor & Merchant Services | AdvanceWare Technologies

 Telephone Support
 9am EST- 5:00pm est
 (1877 29 787-7678)




Home > Our Products > Credit Card Processing Services

Let AdvanceWare help assist in the set up of your merchant account! Through our partners at Acceptcreditcards.net we provide merchant accounts that work seamlessly with all our Complete POS Systems and POS Software.

We Provide:

   Fast Setup
Support personnel get you up and running quickly, saving you time and money. We can get you up and running to accept all major credit cards within 48 hours. We can also offer you gateway services.(verisign, authorize.net etc.)
   Technical Support
Unlimited in-house 24/7 customer support Help Desk for payment processing transaction issues. We take pride in our customer service and are there when you need it.
   No Hidden Fees
FREE transaction processing configuration, testing and training. NO hidden set-up fees.
   Competitive Pricing
We will meet or beat quotes from other providers. Give your contact info to your pos rep and Lenny Serrao will contact you within 2 hours. He will go over any questions you may have and get you the paperwork you need.


This is a brief description of how credit card processing works. Credit card processing has two parts:
Authorization and Settlement:


Keep in mind this all takes ~2 seconds for an online transaction and about 15 seconds for a dialup transaction:

1. Cardholder presents the card (or the card number, expiration date and security code) to the merchant.

2. The Merchant communicates the card data to their Merchant Account Provider. They use either a credit card terminal, a POS system communicating over the internet or, in the case of an online transaction, a payment gateway, to communicate that data.

3. The Merchant Account Provider communicates the card information to the VISA or Mastercard network. Usually this is done via an intermediary, a larger Payment Processor.

4. Mastercard or VISA asks the cardholder's bank (these days usually a credit-card specialist) if the funds are available. If the funds are available, the transaction is authorized and the money placed on hold in the shopper's account (i.e. their available credit is reduced by the amount).

5. The issuing bank tells VISA / Mastercard what the result of the transaction was (either Authorized or Declined).

6. VISA / MC communicate the result back to the Merchant Account Provider

7-8. The Merchant gets the result and exchanges goods with the shopper.


9. At the end of the day the Merchant sends the day's "batch" of transactions to the Merchant Account Provider. If the merchant is using an Online Gateway or an IP-based terminalthe batching is probably done automatically and is never really noticed by the merchant. If using an older dialup terminalthe merchant probably has to hit a special button to initiate this process.

10-12. The merchant account provider sends the results to Visa / Mastercard

13. The Issuing bank adds the amount to the cardholder's bill - the merchant no longer concerns themselves with the cardholder, unless there is a Chargeback or a Refund, because they will get paid no matter what. Collecting from the cardholder is the Issuing Bank's responsibility.

14. The Issuing bank transfers the money to the Merchant Account Provider, using an ACH (Automated Clearing House) transfer.

15. Your Merchant Account Provider deposits the proceeds into your business checking account using ACH.

Home | Inventory Software | eCommerce Integration | Demos | Free Trial | Contact Us | Sitemap | Privacy Policy | Terms & Conditions 
AdvancePro Technologies. All rights reserved. – Inventory Order Management Software