Merchant Card Service - Merchant Options - Internet Payment Gateways - Authorize Net

The Authorize.Net Payment Gateway is a secure Internet bridge between merchant businesses and the credit card and electronic check payment processing networks. We provide merchants with fast, reliable and secure passage for transaction data via a 128-bit Secure Sockets Layer (SSL) Internet Protocol (IP) connection, and manage the complex routing of payment information to the appropriate credit card processors. The diagram below illustrates a typical Authorize.Net credit card transaction.

Step 1: The merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure connection from a Web site, at retail, from a MOTO center or a wireless device.

Step 2: Authorize.Net receives the secure transaction information and passes it via a secure connection to the Merchant Bank's Processor.

Step 3: The Merchant Bank's Processor submits the transaction to the Credit Card Interchange (a network of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).

Step 4: The Credit Card Interchange routes the transaction to the customer's Credit Card Issuer.

Step 5: The Credit Card Issuer approves or declines the transaction based on the customer's available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit Card Interchange.

Step 6: The Credit Card Interchange relays the transaction results to the Merchant Bank's Processor.

Step 7: The Merchant Bank's Processor relays the transaction results to Authorize.Net.

Step 8: Authorize.Net stores the transaction results and sends them to the customer and/or the merchant. This communication process averages three seconds or less!

Step 9: The Credit Card Interchange passes the appropriate funds for the transaction to the Merchant's Bank, which then deposits funds into the merchant's bank account.

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AuthorizeNet eCheck.Net

Authorize.Net provides an exclusive, fully integrated electronic check payment method, eCheck.Net. Using eCheck.Net, merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through the Authorize.Net Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

• Lower Fees - Lower rates than credit cards or PayPal.
• More Efficient - eCheck.Net does everything online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.
• Fully Integrated Solution - No third-party integration required—implementing eCheck.Net is easy for merchants already using the Authorize.Net Payment Gateway.
• Integrated Reporting - Provides a combined view of all eCheck.Net and credit card payment transactions. Reconcile payment and billing activity using online reports and statements.
• Ship Product Sooner - Improved up-front transaction validation that returns the status of transactions faster.
• Security - Authorize.Net uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.
  

Click HERE to go to Authorize.Net's eCheck site

Authorize.Net, a service of Lightbridge, Inc., manages the submission of payment transactions to the processing networks on behalf of its merchant customers. Since 1996, Authorize.Net has been a leading provider of Internet Protocol (IP) based payment gateway services, enabling merchants to authorize, settle and manage credit card and electronic check transactions from a Web site, retail store, mail order/telephone order (MOTO) call center or mobile device.

• Reputation You Can Trust - More than 175,000 merchants trust Authorize.Net to manage their payment transactions. We are one of the largest payment gateway services and have processed over one billion transactions securely and reliably.
• Easy to Integrate - Authorize.Net offers several methods for linking Web sites and point-of-sale (POS) devices to the payment gateway. Web merchants can choose the method that best suits their business needs. Retail merchants integrate to the payment gateway via third-party POS solutions.
• Business Partnerships - We are dedicated to providing products and value-adding services and tools that help merchants minimize risk, reduce costs and increase revenue.
• Customer Support - Customer satisfaction is our number one priority. That's why we provide free customer support seven days a week via toll-free telephone, e-mail and online chat. Representatives are available from 6 AM to 6 PM Pacific time.

Authorize.Net services are sold through an extensive network of reseller partners including Independent Sales Organizations (ISOs), Merchant Service Providers (MSPs) and financial institutions that offer the company's industry leading payment services to their merchant customers.

Authorize.Net's merchants encompass a wide variety of business industries: information, communication, government, sports, religion, education, gourmet foods and many others. They sell their products on the Internet, in retail stores, by mail order/telephone order and via mobile POS devices. Regardless of their business model, our merchants benefit by providing their customers with convenient, secure and reliable payment options.