Card Processing | Card Processing – Galaxy Merchant Services

At Galaxy, we recognize that you may want to add individual components as your needs change. That’s why we offer a full array of hardware and software to complement your retail or restaurant point of sale system — all fully backed by our knowledgeable customer support team.

If you see your customers face to face, you can benefit from some of the lowest transaction rates in the credit card industry. This is because you can process credit card transactions in person, swiping the customer’s card through a card swipe machine and obtain his or her signature for your records. this helps to prevent unnecessary chargebacks that can be costly to a merchant provider.

Debit Card Payment Processing

Debit card transactions have become overwhelmingly popular in the past few years. There are two types of debit transactions, PIN (online) and signature (offline). Both deduct funds from the consumer’s checking account. It is beneficial for businesses that see customers in person to accept both debit types. With PIN debit, the customer selects “Debit” as the payment method and then after the card is swiped must enter their Personal Identification Number (PIN) into an encrypted pin pad at the point-of-sale (POS) terminal to authenticate their identity. The transaction is transmitted through the electronic funds transfer network and the funds are deducted from the consumer’s checking account within seconds.

» Fast settlement of funds
» Reduced chargebacks
» Increased security with PIN debit rather than signature debit transactions
» Less expensive for merchants (generally)

Mail and Telephone Order Sales (MOTO)

The fastest-growing segment of credit card use today is in “card-not-present” transactions in which a customer makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet instead of being physically present at the merchant’s location. 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. GALAXY MERCHANT Services can help you easily establish such a merchant account and the entire process will take just minutes of your time and you’ll be up and running in a matter of days. Accept credit cards anywhere, anytime with a wireless merchant account. Whether you have a service business that works at your customer’s location or if you take your retail business on the road, wireless processing is an easy and cost-effective way to accept credit cards wherever your customers happen to be. Galaxy Merchant Services can provide you with a complete wireless authorization system that gives you efficient, cost-effective credit card and debit card processing wherever you are, whenever you need it. We work in partnership with the nation’s leading wireless service providers to design a system that’s perfect for you and your business.

Accept credit cards anywhere, anytime with a mobile merchant account. Whether you have a service business that works at your customer’s location or if you take your retail business on the road, mobile processing is an easy and cost-effective way to accept credit cards wherever your customers happen to be.

Galaxy Merchant Services can provide you with a complete mobile authorization system that gives you efficient, cost-effective credit card and debit card processing wherever you are, whenever you need it. We work in partnership with the nation’s leading mobile service providers to design a system that’s perfect for you and your business.

We support all of the major gateways We support everyone from very small web sites with a few products to huge merchants with thousands of products and even non-cart based sites such as membership dues, services, etc.

Online Store Galaxy Merchant service offers a full line of online payment solutions, including:

» Internet Merchant Account

» Robust Virtual Terminal

» Secure Gateway (128 Bit Encryption)

» Shopping Carts and Catalog Service

» Enhanced back-end web site functionality

» Recurring payments

» API and Custom web site development and payment integration

 

TeleCheck provides industry-leading check acceptance, check processing and risk analytics services to thousands of retailers and financial institutions. For nearly 40 years, TeleCheck has safeguarded businesses and financial institutions from check-related losses and fraud. Accepting checks has never been riskier; with TeleCheck, however, retailers are still able to offer check acceptance to consumers as a safe and secure payment option for purchases in stores, online, and over the phone.

What is the TeleCheck ECA service?

The TeleCheck Electronic Check Acceptance (ECA) service converts a paper check into an electronic item at the point of sale. The ECA service allows retailers to accept checks as quickly, safely and easily as they accept credit cards. Think of it as a check without the paper.

How does it work?

When you present your check to the sales clerk, your check is authorized through a specially-designed, secure TeleCheck system that captures banking information and the amount of the check. Once the check is approved, you’ll receive a receipt of the electronic transaction to sign. When you sign the receipt, you will receive a copy for your records along with your check to keep. It’s that simple.

When it comes to cash flow issues, Galaxy Merchant Services offers you a simple and flexible cash solution.

Receive cash up-front for a fixed portion of your future credit and debit card sales. Then, as each transaction is settled, we retrieve a fixed percentage – we get paid when you get paid. Once reviewed for financing, you immediately receive a lump sum of cash to use for things like:

» Expanding your business or adding locations

» Increasing your product line, adding seasonal merchandise, meeting unexpected expenses

» Purchasing new equipment

» Advertising and promoting your business with new marketing programs

» Buying out a partner

» Performing renovations

Gift cards provide a simple, effective way to increase sales while offering your customers an enhanced purchase experience.

Cards are activated at the time of purchase and the value decreases as they are used. Activation and redemption occur through your POS system, telephone or online interface. Your gift card program is fully customizable based on your desired specifications. Loyalty options include Points systems, frequency rewards, and discount (VIP) programs.

» Card programs virtually assure you’ll have additional customer visits

» Customers with gift cards usually spend more than the face value of the card

» Offer reloadable cards for repeat customers

» Reinforce your branding and name recognition with custom artwork

» Simple to order, simple to fulfill

Whether you already have ATM Processing or are thinking to start ATM processing, Galaxy can help. We’ll provide you with the power of ATM Processing so you can have a seamless experience with your ATM machines.

Galaxy specializes in ATM processing. Give us a call and we’ll not only let you know if we think you have a good location but we’ll let you know what you can expect to make from ATM processing with your Machine. We offer full service, mid service and self service ATM processing services.

Contact Us