Credit Card Processing

We Make it Easy to Accept All the Ways to Pay


So, What is exactly is Credit Card Processing?

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Credit Card Processing has two pieces:

  1. Front-end processors that connect to the credit card associations and provide authorization and settlement services.
  2. Back-end processors accept settlements from the front-end processors and move the money to a merchants' bank.

Boise Merchant Services uses both a front-end and a back-end processor who oversees the entire transaction process. That means more seamless transactions with a single point of contact for you.

How Does Credit Card Processing Work?

When your customer pays with their credit or debit card, the payment processor receives the payment details.  They check for potential fraud before forwarding them thru the card association to the bank that issued your customer's credit card. Once the customer's credit card details are verified, that information is sent back to you the merchant so you can complete the transaction. If the payment is denied by the card association or issuing bank,  that information is sent the merchant so you can then decline the transaction. This happens in just a few seconds.

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Accept payments anytime, anywhere.

When you partner with Boise Merchant Services for your credit card processing, you'll be able to grow your business by seamlessly and securely accepting payments:

Accept all the ways to pay

Offering more payment choices makes it easier to grow your business. With Boise Merchant Services, you'll show customers you have an eye on the future by accepting:

Traditional magstripe cards.

EMV chip cards

NFC contactless payments like Apple Pay

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Keep your cash flowing

Boise Merchant Services offers the kind of wholesale rates you thought only he big players got.  We a;sp pffer next-day funding with cut times as late as 12am EST, as well as weekend settlement and service agreements with no hidden fees.. That way, you'll always have cash on hand to pay vendors, purchase inventory, or grow your business.

Learn more about NAB's industry-leading credit card processing services.

Boise Merchant Solutions can deliver a true omnichannel payments platform that offers seamless integration across any channel and the very latest in enhanced, PCI-compliant payment security. Whether you're looking for a solution for your brick-and-mortar location, want a mobile credit card processing solution, or want to accept payments online, we have you covered.