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Harbortouch South Agent Office
Total Merchant Services South
Capital Bankcard Beaumont
pcAmerica SouthEast Texas
Credit Card Processing Services
We have the ability to support several types of accounts including:
Retail / Storefront
If you are conducting business face to face, accepting credit cards is a necessity. Whether you have a store, restaurant or kiosk, we can help your business set up a merchant account so you can accept credit cards for less money than you ever thought possible.
Internet
If you have an Internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of the mouse, at any time, day or night.
Mail Order / Telephone Order
If you run a mail order business and / or take credit card payments over the telephone, you are participating in, what we call "MOTO Credit Card Processing". (MOTO = Mail Order Telephone Order). Essentially, this means that you collect credit cards in an environment where the customer and credit card are not physically present at the time of purchase.
Wireless
For years the payment options for mobile merchants were limited to either cash or check. Today, wireless credit card machines have given mobile merchants access to the same credit card authorization networks as retail businesses.
This new technology has allowed the benefits of security and additional sales to merchants who previously had to handle cash or take the risk of accepting checks. As a bonus, wireless credit card processing is typically faster than traditional landline processing. Dedicated networks have been developed for wireless credit card processing, which can transmit and receive data faster than most cell phone networks.
Value Added Programs
Merchant Cash Advance Program
A merchant cash advance is the purchase of future credit card receivables from a merchant at a discount for cash; it is not a loan and has no fixed term or fixed repayment schedule. Payment is deducted from daily credit card receipts automatically.
The process for applying for this type of advance is much simpler than a bank loan or credit line and the funds are available almost immediately. We understand that many small businesses struggle with cash flow and sometimes opportunities are missed due to of lack of funds. Our goal in offering this program to our customers with merchant accounts is to help small and mid-sized businesses expand their company, purchase equipment, add additional inventory or invest in the future growth of their company.
Here's how it works:
Your average monthly volume will be reviewed to establish your maximum allowable advance. You can let us know how much you would like, and then you review and sign the paperwork and the cash is sent to you within days!
Merchant Benefits
•Merchant can receive up to $150,000
•No personal guarantee on repayment is required
•Payback based on timing of Visa / MC / Discover / Amex receipts
•No fees or penalty for extended payback period
•A/B credit not required
•Financials / tax returns not required
Requirements in order to be eligible for the advance:
•Merchant must be in business for at least 12 months with 6 months of ownership
•Your merchant account must be with us. If it isn't already, we will charge nothing for you to switch and will meet or beat your current costs
•You must provide the previous 4 months of processing statements, 2 months of bank statements, and a copy of a state or federally issued photo ID
•Trade references are required
Gift Card / Loyalty Program
One of the easiest ways to increase sales for your business is to add gift cards to your processing. Gift cards can be an easy way to generate new customers, and increase business sales.
Benefits include:
•Increased cash flow
•Improved reporting
•More brand awareness
•Repeat business & loyal customers
Check Program
Are you looking to accept checks, but don't want to assume the high risks that go with it? We offer our merchants the ability to set up a check processing account which allows them to authorize a check within seconds without the need for specialized equipment.
Our check processing service allows you to accept checks without having to purchase any specialized equipment. You can run the check verification directly through your credit card terminal or even over the phone or Internet.
We offer some of the highest approval rates in the check processing industry, and allow your business to accept checks from the United States.
Our Services and Products
Harbortouch is a registered ISO/MSP of First National Bank of Omaha,
Dodge St., Omaha, NE - Member FDIC
Total Merchant Services (TMS) is a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo, NY
Capitalbankcard.com is a registered ISO/MSP of the following banks: US Bank-Minneapolis MN, HSBC Bank USA,
National Association Buffalo, NY, and Wells Fargo Bank, N.A., Walnut Creek, CA. American Express and Discover require separate approval.
Why use a Loyalty Program?
