Merchant Services

Did you know that Internet Transactions can be "qualified"?

If you want to process credit cards for Internet, telephone, or mail order transactions, you'll need a special merchant account specifically designed for that purpose. We offer the ultimate payment gateway for processing transactions through a Virtual Terminal on the Internet OR “real time” processing integrated with a shopping cart program on your web-site. If your business plans extend to selling over the Internet, please contact us and we can establish the appropriate solution for your business.

Through a propriety gateway offering a robust suite of high-speed online solutions, National Merchants Association can assist you in processing your transactions over the World Wide Web.

How does eCommerce work?

• Step 1: The merchant submits a credit card transaction to the NMAPAY Payment gateway on behalf of a customer via secure Web site connection, retail store, MOTO center or wireless device.
• Step 2: NMAPAY receives the secure transaction information and passes it via a secure connection to the Merchant Bank's Processor.
• Step 3: National Merchants Association submits the transaction to the Credit Card Network (a system of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).
• Step 4: The Credit Card Network routes the transaction to the Customer's Credit Card Issuing Bank.
• Step 5: The Customer's Credit Card Issuing Bank approves or declines the transaction based on the customer's available funds and passes the transaction results back to the Credit Card Network.
• Step 6: The Credit Card Network relays the transaction results to National Merchants Association
• Step 7: National Merchants Association relays the transaction results through NMAPAY
• Step 8: NMAPAY stores the transaction results and sends them to the customer and/or the merchant. This step completes the authorization process - all in about three seconds or less!
• Step 9: National Merchants Association sends the appropriate funds for the transaction to the Credit Card Network, which passes the funds to the Merchant's Bank. The bank then deposits the funds into the merchant's bank account. This step is known as the settlement process and typically the transaction funds are deposited into your primary bank account within 24 to 48 hours.

MOTO (Mail Order Telephone Order)

We can easily help you establish merchant accounts for your telephone orders and card-not-present transactions in which they never take physical possession of the customer's credit card, which may require a special merchant account. Most credit card companies use special criteria to assess risk and have a different fee structure for these types of accounts.

Internet

Processing credit cards over the Internet is one of the fastest growing segments of transactions today. We have exciting Programs for all your merchants needs from brochure websites for the merchant who only wants a web presence with basic information to full e-commerce sites and virtual terminals for the merchant who will hand key transactions online as opposed to having a piece of hardware.

Online Store / Shopping Cart

Ghostcart is a Hosted PHP shopping cart and e-commerce platform that you can embed in your website or link to on our servers for powerful, transparent e-commerce. E-commerce, transparency refers to the ease with which your customers can find two things – the products they want, and where to pay for them.

FREE With NMA Membership!!

Our revolutionary template system allows you to easily incorporate the look and feel of virtually any website! Every aspect of Ghostcart is designed to maximize transparency and, ultimately, conversions!

Apply today and let the experts at The National Merchants Association help you find...
A Merchant Account That Works For You^®

Apply Now