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YOU CAN ACCEPT SECURE PAYMENT
by phone, mail, email and a website!
products or services!
in real-time!

Chester County Sites has partnered with Merchant Express LLC (provides the gateway) and Authorize.Net (provides the credit card processor) and are working together to provide merchants with an affordable, safe and secure way to accept real-time credit card and check payments from their website or process them manually via a web-based control panel.

As a partner, we are able to offer a full-service gateway and payment processor to merchants (operating in the United States) a secure, robust, turn-key system to accept credit card payments from their website at prices more affordable than can be found elsewhere on the Internet for the same service and from the same leading providers.

Why Choose Merchant Express LLC And Authorize.Net?

After several years of review and experience with various merchant account providers, we have learned and determined that the main difference between providers was the cost for a full-service merchant account described as the discount rate, transaction and gateway fees, and the one-time license fee. Only the bank statement fee seemed to be similar for most of them. There were also those who tagged on other charges that were discovered after the system was installed and already processing payments. Besides the cost, we found that not all merchant account packages are alike! Some will process credit card payments, but not without problems integrating their software with your website shopping cart system -- and many times, the support was slow to respond and not reliable. Some were not very flexible and others could not be customized to blend with a website for that professional look.

Merchant Express provides a solid gateway and Authorize.Net provides the best payment processor software that includes a virtual terminal to post manual payments to credit cards via a web based control panel. By purchasing their merchant package through us, their license fee and rates are among the lowest you will find anywhere on the Internet -- with no surprises! Their services are reliable and secure and their support is nothing less than great!

How Does Our Merchant Account Work?

For an online business to be successful, a merchant must be able to accommodate its customers and process their payments. Through our full-service merchant package, merchants are able to accept all major credit cards, government purchasing cards and checks. Our package provides automated payment acceptance and also allows the merchant the ability to manually transact phone, mail and fax orders. However, there are specific requirements to begin accepting card and check payments from your website and certain bank and software costs apply.

Every merchant that wants to accept and process payments on the Internet is required to have the following:

1. An Internet merchant account
2. A Virtual Terminal
3. An Internet Payment Gateway certified with their credit card processor.

What is an Internet merchant account?

An Internet merchant account is a merchant account specifically approved for processing "card not present" sales [i.e. "MO/TO" (mail order, phone order) / Internet-Based transactions].

Visa and MasterCard have different criteria for evaluating the potential risk involved in credit card transactions where the card is not physically presented to the merchant. This type of business is typically referred to as "card not present" or "MO/TO" (mail order/telephone order) merchant. For this reason, a separate merchant account is required.

What is a Virtual Terminal?

A Virtual Terminal performs all the functions of a physical credit card/check processing box, conveniently accessed over the Internet through a secure web page interface.

What is an Internet Payment Gateway?

An Internet Payment Gateway is a feature of a virtual terminal. It takes the credit card information from the Virtual Terminal to the credit card processor, and returns the approval information back to the Virtual Terminal.

The Internet Payment Gateway does this in a "real-time" manner, over the Internet, in a totally secure environment -- in a matter of seconds.

Why do Internet Payment Gateway Providers exist?

They exist because credit card processors will not allow individual merchants to access their systems through the Internet. They do not permit this because of security issues.

Credit card processors only permit companies that have "certified" their software to access their systems. In this way, credit card processors are able to make sure only a few certified [and therefore trusted] companies have access to their systems via the Internet.

What can you do with a Virtual Terminal / Payment Gateway?

First, you can use the Virtual Terminal to perform all the same functions of a physical credit card terminal, conveniently accessed over the Internet through a secure web-page interface. You will be able to manually process credit card transactions, issue credits, void transactions, view your online log file really manage your Internet-Based business from any computer in the world.

With each Merchant Express online payment system package, merchants receive set-up of a Total Payment System (powered by Authorize.Net) account, including the Authorize.Net Virtual Terminal - an internet-based transaction processing system that enables businesses to authorize, process, and manage credit card and electronic check transactions in a real-time, online environment from any computer with an Internet connection and a Web browser.

Costs, Rates and Fees:
- Merchant Account Setup WAIVED
- Low Discount Rate for Visa/MasterCard Transactions
- Low Discount Rate for other major credit cards
- Low Per Transaction Fee (includes AVS)
- Monthly Gateway Payment Fee $15
- Monthly Statement Fee $10
- Software Setup Fee (ONE-TIME or monthly lease)

In summary: After you pay your software setup fee, your monthly responsibility is $25 (combined monthly gateway and bank statement fee) plus your discount rate and transaction fee per transaction.

When we host your website, use our secure server and digital certificate at no charge.

Get your E-business started the right way the first time with a full-service online payment system through Chester County Sites by Merchant Express LLC and Authorize.Net to accept all major credit cards from your website. For more information or to submit a no obligation application to us, please click here.