Credit Card Merchant Accounts
To stay competitive on the Internet, most businesses have to process and accept credit card transactions both quickly and securely.

Accept credit cards online with your own merchant account. Apply to accept Visa, MasterCard, Discover, and American Express.

We offer ecommerce accounts for most business types including large retail chains, small stores, home based businesses, and even internet startup companies.

Fencl Web Design.Com, LLC is an Authorized Reseller of Authorize.Net's global payment solutions to ensure both speed and security by providing the following services:

1. Unlimited credit card transactions from almost anywhere in the world.
2. Supporting capabilities and an unlimited number of credit card transactions on almost any business model with web sites, Internet, call centers, broadband, wireless and retail.
3. Offering an unrestricted number of users with one account is an ideal solution for large sales forces.
4. Enhanced support from experienced technicians seven days a week and 363 days a year.
5. Apply to accept Visa, MasterCard, Discover, and American Express.

Did you know that Authorize.Net helps more businesses to process transactions via the Internet than any other payment solutions provider in the world? See Pricing and Fee Schedule

Merchant Interface Virtual Terminal
Process and manage credit card transactions manually from any computer that has an Internet connection and a Web browser. The Virtual Terminal is a secure, browser interface that enables businesses to process and manage credit card transactions from almost any computer that has an Internet connection and a web browser (Such as Internet Explorer or Netscape for example). A Virtual Terminal replaces standard desk top authorization terminals, and is a great solution for merchants who want to manually enter credit card transactions for mail or phone order sales.

Businesses of all types and sizes choose Virtual Terminals because it reduces the complexity and expenses normally associated with processing credit card transactions. It can also sometimes be much faster than standard dialup phone line based authorization system.

Businesses with an Authorize.Net account may access the Virtual Terminal through the Authorize.Net Web site using any web browser. After logging into their account, merchants can access a complete range of services, authorizations for purchases, credits and returns, activity and more. Merchants can check the status of transactions and run a variety of reports right from the interface.

To authorize credit card transactions, the merchant must complete an electronic form that provides the Authorize.Net system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Authorize.Net host server. The server then sends the data through the authorization network to the appropriate card issuer's bank using Visa, MasterCard, Discover, and American Express, utilizing a secure, proprietary connection. When the process is complete the merchant receives an authorization number in around three seconds. Credit card transactions are automatically settled every day and are usually funded within two to three business days.

Web Site Credit Card Processing
Automate credit card transactions directly from your website by integrating to the Authorize.Net Payment Gateway via one of our secure online connection methods:

Authorize.Net® offers two secure online credit card payment processing connection methods that allow secure Internet based businesses to authorize, process, and manage credit card transactions directly and automatically from an e-commerce web site.

Advanced Integration Method (AIM) is the preferred Authorize.Net integration solution, and uses secure sockets layer (SSL) digital certificate technology to connect securely and directly to the Payment Gateway-achieving the highest security for the Internet connection between a merchant and the gateway.

Simple Integration Method (SIM) optimizes the security, encryption, and authentication of transactions for merchants that do not have an SSL digital certificate.

AIM and SIM provide the highest levels of secure transaction infrastructure available to merchants building an online e-commerce business and directly connecting that their website to the Authorize.Net Payment Gateway.

Secure Credit Card Transactions
When using AIM and SIM to connect to the Payment Gateway, a customer enters purchase information such as name, credit card number, etc into a payment form on the merchant's ecommerce website. This payment form may be hosted either by the merchant, or for an easier option the merchant may choose to use Authorize.Net's securely hosted, customizable payment form.

When the customer submits the purchase information, payment information is encrypted using 128-bit SSL technology and sent to the secure transaction server. The transaction processing server sends the data through the credit card network to the appropriate card issuer's bank, using a secure, proprietary online connection. The credit card processing authorization takes around 5 seconds and the customer receives an approval or decline response, and the Authorize.Net server stores the transaction information. Approved transactions are automatically settled each day and are usually funded within three business days.

Merchants can login to the merchant interface to check the status of current transactions submitted directly from their website or run reports on past transaction. Online businesses also can use the Authorize.Net Virtual Terminal feature of their Merchant Interface account to enter payment information manually if customers prefer to call in their credit card information.

Start Your Application Today
Offering ecommerce accounts and online credit card processing for nearly all business types including: large retail chain, small store, home based business, or even internet startups.
See Pricing and Fee Schedule

ALL FIELDS REQUIRED. You must be a United States based company.
Please fill out the form below to start your application process.

Note: Merchant applications are for United States businesses only.
         We respond to proper application requests within one business day.