Thanks to modern technology, credit card processing has moved well beyond the tedious and time-consuming manual imprinter and carbon copy receipts of yesteryear. Businesses today have a variety of credit card processing options to choose from, some more familiar and high tech than others. Choosing the right option for your unique business needs should be your first goal.
Accept Credit Cards
Accepting credit cards is a major step for any business, and one that is best taken with the advice and support of an established payment processor who can guide you through the process. NEXTERA has the expertise, products and services to provide a program that’s customized to let you accept credit cards for your business.
Start with a Merchant Account
A merchant account is your passport to accepting credit cards, whether online, over the phone or in a face-to-face situation. A merchant account is different from a bank account in that its sole purpose is to enable you to accept credit card payments.
The first step in setting up a merchant account is to choose a reputable processor like NEXTERA.
Our commitment to outstanding customer service, our desire to build meaningful relationships, and our view that merchant service is more than just an agreement is why thousands of businesses trust us to provide the payment processing options, support, and security they need to grow.
There are two basic types of merchant accounts to choose from:
card present, where both the cardholder and payment card are physically present at the POS, and card not present, or CNP.
Card present transactions are the norm in traditional retail environments and mobile situations where the cardholder swipes, dips or taps their card or device at the terminal and the card data is collected by the card reader.
CNP transactions occur when the card and cardholder are not physically present, as is the case with online and mail order/telephone order (MOTO) sales, requiring that account information be entered manually into the system.
Diversified businesses that deal in both card present and CNP transactions will typically require both types of merchant accounts.
Small Business Credit Card Processing
Credit card processing should be an element of every small business plan. Laying a strong foundation upfront can be instrumental to future success. That’s why it’s important to work with a reputable provider of small business merchant services like NEXTERA®.
Today’s consumers have definite ideas about how they want to pay for purchases, with credit cards and digital wallets being just two popular options. As a merchant, meeting payment expectations is critical to attracting customers, building sales and realizing your business’s greatest potential. Including credit card processing in your small business plan can help you achieve all three.
Accepting Credit Cards
If your business is new, or if you haven’t yet made the shift away from a cash-only operation, you may not be aware of all the small business credit card processing solutions on the market today. NEXTERA can help by going over your options with you and helping you to make the best decision for your situation.
Our trained merchant account representatives can offer you expert advice to and answer any questions you may have about small business credit card processing. From helping to identify the right hardware and software for your business to explaining the latest technology and providing backup support, you can count on NEXTERA to work with you to find the right solutions.
Credit Card Processing Options for Small Business
NEXTERA offers many solutions that can be customized to meet your needs and fit your budget. Whether you’re running a restaurant, retail, online, mobile or MOTO operation, we can come up with the right processing package to handle your sales.
Our expertise is in secure credit card processing that’s cost effective and comprehensive. From choosing and installing your system to service and support, NEXTERA is ready to make credit card processing for your small business a rewarding experience.
Merchant Services Solutions by Industry
Businesses have unique needs based on their industry, location and customers. While they may all share the need for merchant services, the type of services they require will differ from business to business. NEXTERA addresses these needs and works with individual merchants to remove the confusion and hassle related to credit card processing.
Our many years of experience in the industry have refined out approach. We take the time to get to know new clients as individuals, asking the right questions about their operation and the challenges they are facing, including their competition. Then we listen carefully to their answers so we can create just the right package of customized credit card processing products and services. We call this approach People-Centered Payments®, and it applies to all our clients.
One important consideration in the process is the industry to which the business belongs. The list below is a good place to familiarize yourself with the payment processing options that will best suit your business needs. If your specific industry isn’t listed, NEXTERA has the expertise based on extensive past experience to provide a package of merchant services that are tailored to your business.
Security (NextEra Guardian)
After working hard to build up your business, the last thing you need is to suffer a data breach at the hands of cyber criminals. The Guardian from NextEra helps to protect merchants from a catastrophic loss of reputation and revenue by consolidating a number of security solutions in one package. Designed with businesses like yours in mind and competitively priced, NextEra Guardian can provide peace of mind during a difficult time.
NextEra Guardian provides a portfolio of crime-fighting solutions that help to protect against hacks and their subsequent costs.
NextEra Guardian Encryption
End-to-end encryption (E2EE) adds a layer of security to your card acceptance by encoding card numbers at the POS, making them useless to hackers and cyber thieves.
NextEra Guardian Tokenization
Tokenization uses a unique token that is randomly generated to replace sensitive card information, making it unusable if intercepted by hackers.