Ecommerce and Credit Card Processing
What to know before building your website!
Ecommerce shopping carts require either a direct integration with a processor, or a third party “Gateway” between the shopping cart and the credit card networks.
WARNING! There are 2 types of websites, those that allow you use your own credit card processor, and those that require you to choose one of theirs.
The latter could cost you a lot more in processing fees unless your average tickets are under $10.00, including tax and shipping!
WHY? Processors like Stripe, Square, Paypal, etc. charge a high fixed percentage and sometimes a transaction fee. This high percentage, Flat Rate pricing, means you don’t get the benefit of paying the low, wholesale costs that the processors pay.
Good news! The wholesale rates are now available to every business in the form of Cost Plus Pricing!
Debit cards especially, will cost you 500% above wholesale with any processor using flat rate pricing vs Cost Plus!
Unfortunately, some sites, like Shopify, do give you the option to use your own processor, but then they turn around and charge huge fees as a penalty, effectively making a profit on your credit card processing no matter what! There are ways around that though. Ask us how.
Bottom line, the last thing you want is to have to switch and rebuild you site from scratch later because your processing fees are too high.
As your website becomes successful, even our 2% Credit Card Processing can quickly become your biggest expense, even dwarfing your rent. Credit card processors vary as well, and they do change owners and policies over the years like any other company.
Advantage Card Services monitors these things for you and we help you navigate changes in the industry as they arise. Should a processor get crazy, which has happened, we can easily and seamlessly move our clients from one processor to another at no charge.
If your website site is already up and your looking to lower processing costs, give us a call for easy and seamless migration!
On average, we save businesses 20% of their monthly processing fees
If you’re just getting started, Call today for a FREE consultation.
We’re happy to help research, recommend and assist with websites at no charge!
GET THE ADVANTAGE!
As we mentioned, credit card processing can quickly become your biggest expense and credit card processors will change over the years like any company. As a business owner, you need to stay on top of it like the hundreds of other things you keep an eye on.
Having Advantage Card Services as your broker means having a personal credit card expert, always watching these things for you, and truly looking out for your business, and your bottom line. Today, tomorrow and in the future!
Let’s start with our pricing
Simple, Cost Plus Pricing
Connecting it all
Advantage Card Services offers FREE, direct integration for sites that allow it.
For websites that require 3rd party gateways, no one has access to more than we do!
We are wholesale distributors of Authorize.net, NMI, USA Epay, and most of the gateways and virtual terminals available today.
Authorize.net pricing:
$12.00 Month
$0.10 Transaction Fee
$0.00 Setup Fee
Using a non ACS processor
$19.00 Month
$0.10 Transaction Fee
$25.00 Setup Fee
Only have a few items to sell?
Our Harley Gateway, powered by NMI, works with most processors and has a built-in, very basic shopping cart for selling a small number of products or services. This can be added to any website via a simple link or an HTML button, therefore you don’t need a secure certificate for your site! There’s also several API and Integration options.
Click for more info on our QuickClick payment system
Harley Gateway pricing
$10.00 month
$0.10 per transaction
$0.00 setup fee
Using a non ACS processor
$19.00 month
$0.10 per transaction
25.00 setup fee
ACS can integrate with any non-proprietary website or shopping cart.
Propriety means a system that doesn’t accept Authorize.net and also doesn’t allow integration with outside processors. Proprietary also means your website company is making money on your credit card processing as well, thus locking you into whichever processor THEY decide to use or change to over time. More importantly, while some may offer a discount on high volume websites, its still a fixed rate.
If you can’t choose and switch credit card processors anytime you want, you will NEVER have control over your costs!
Do you have questions on your site, or which sites are non-proprietary?
Call us today! 970-222-6016
Do you have a retail store as well as a website?
Our POS systems can sync inventory with your site and eliminate overselling!
Ask us how!