Offshore
Merchant
Account
DIAZ BARRETO LAW  is an online merchant account provider for real-time
or batch credit card processing services. Our complete merchant account
services enable you to begin processing credit cards immediately through
our merchant account! Apply now and accept Credit Cards!

A merchant account allows a business to accept credit cards, debit cards,
gift cards and other forms of payment cards. This is also widely known as
payment processing or credit card processing.

DIAZ BARRETO LAW
Merchants, or business owners who receive credit card payment for
their goods or services, must apply for a merchant account typically
through a merchant bank or MSP (Merchant Service Provider). The
merchant account will typically be established based on several factors.
Merchants who own businesses with poor or no credit may find it difficult
to establish a merchant account through traditional routes.

DIAZ BARRETO LAW

Accept Credit Card Anytime, anywhere !!

We provide a full-featured solution that gets your website up and selling
quickly and easily.

"I spent a great deal of time looking at many other Merchant Account web
sites, but I have felt most comfortable with yours. Your site was very
professional, informative and gave me a great deal of confidence in your
organization."
E.H.

To read more comments from satisfied visitors and newsletter
subscribers, contact us !

At DIAZ BARRETO LAW, we constantly monitor our competitor's
merchant account services so you always receive low pricing on name
brand credit card processing solutions!


Merchant Account Terminology

Bank
Bank and financial institutions assist in setting up Visa, Discover,
American Express and MasterCard merchant accounts. Banks provide
their services in exchange for processing fees.  Our relationship with
banks and financial institutions making our merchant account offering
appealing. Begin accepting payments online soon.

Choosing a Bank Credit Card Processing & Clearinghouse Processing
credit card transactions usually occurs at a clearinghouse. When your
shopping cart within your online store receives the credit card during the
payment process, the Transaction Processing Clearinghouse is the
organization that authorizes and validates the card (making sure the
number matches the card and that sufficient funds are available).

Merchant Account Provider (Accept Credit Cards)
Merchant account and credit card service companies are plentiful on the
Internet. In Industry terms, these companies are called merchant account
providers or Independent Sales Organizations.


Credit Card Merchant Accounts enable you to accept credit cards over
the Internet. Did you know over 85% of all Internet transactions are paid
for using online credit card payments? Don't miss out! Let us help you
complete your e-commerce payment process with our merchant account
services.

How payment gateways work

A payment gateway facilitates the transfer of information between a
payment portal (such as a website or IVR service) and the Front End
Processor or acquiring bank; quickly and securely.

When a customer orders a product from a payment gateway enabled
merchant, the payment gateway performs a variety of tasks to process
the transaction; completely invisible to the customer. For example:

A customer places order on website by pressing the 'Submit Order' or
equivalent button, or perhaps enters his/her card details using an
automatic phone answering service.

If the order is via a website, the customer's web browser encrypts the
information to be sent between the browser and the merchant's
webserver. This is usually done via SSL (Secure Socket Layer)
encryption.

The merchant then forwards the transaction details through to his/her
payment gateway which holds the detail of the merchant account
transaction. This is often another SSL encrypted connection to the
payment server hosted by the payment gateway.

The payment gateway which receives the transaction information from
the merchant forwards it to the merchant's acquiring bank.
The acquiring bank then forwards the transaction information to the
issuing bank (the bank that issued the credit card to the customer) for
authorization.

The card issuing bank receives the authorization request and sends a
response back to the payment gateway (via the acquiring bank) with a
response code. In addition to determining the fate of the payment, (i.e
approved or declined) the response code is used to define the reason
why the transaction failed (such as insufficient funds, or bank link not
available).

The payment gateway receives the response, and forwards it on to the
website (or whatever interface was used to process the payment) where
it is interpreted and a relevant response then relayed back to the
cardholder.

The entire process typically takes 3-4 seconds

At the end of the bank-day (or settlement period) the acquiring bank
deposits the total of the approved funds in to the merchant's nominated
account. This could be an account with the acquiring bank if the merchant
does his/her banking with the same bank, or a scrape account with
another bank.

If you want to place an order or you need more information click here