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Accept credit cards online through a virtual terminal via the Authorize.net® Internet payment gateway.

Help your business grow by accepting credit cards with our Internet merchant account and Authorize.net online payment gateway. With an Internet merchant account and Authorize.net online payment gateway you will be able to accept credit cards in two different ways. First, merchants can accept credit cards online directly from their Web site. Second, merchants will be able to accept credit cards though a virtual terminal. UBC provides the Internet merchant account and Authorize.net provides the online payment gateway. UBC maintains one of the highest merchant approval rates in the industry.

This Is What You Receive!!

Browser based virtual terminal to accept credit cards anywhere with internet access.

HTML scripts to put in your Web site to accept credit cards directly from your Web page.

An online merchant account to accept credit cards online

Authorize.net online payment gateway access to obtain credit card processing approvals.

Browser based control panel to manage your credit card processing transactions.

24/7 customer support for your online merchant account.

Customer support from 6 AM to 11 PM Pacific standard time for the Authorize.net payment gateway

Virtual Terminal

Authorize.net offers a virtual terminal for merchants who are looking for a low cost way to process non face to face credit card processing transactions. All that is needed is Internet access with a web browser from any where in the world. Merchants can log into a secure Web site and accept credit cards by manually entering their customer's credit card processing information. A virtual terminal is an effective e commerce solution for merchants who receive mail and telephone orders.

A virtual terminal is great for small businesses because it lowers the cost related to accepting credit cards. Buying credit card machines sometimes can be costly or prohibitive to the merchant that is just getting started with a limited budget. With the Authorize.net virtual terminal a merchant can get set up to accept credit cards on a very reasonable investment.

Once a merchant obtains an Authorize.net merchant account they can log onto a secure Web site using their own user id and password. Merchants can then do virtually everything with their virtual terminal that merchants with a credit card machine can do. They can do sales, returns, view reports and many other credit card processing related activities.

To manually run a credit card processing transaction all a merchant has to do is enter their customer's credit card processing information into a form on their Web browser. This information is then encrypted and is sent to the Authorize.net servers. The credit card processing information is then sent to the card holder's bank for authorization. The authorization usually takes about three seconds and is sent back with an authorization number. After the transaction has been authorized the money is usually deposited into the merchant's bank account within two business days.

Accept Credit Cards On Your Web Site

With an Authorize.net payment gateway and merchant account, merchants can accept credit cards online from their Web site 24 hours a day. All the merchant has to do is enter some simple HTML scripts into their website and they will be able to accept credit cards in real time 24 hours a day.

When customer's click to submit their credit card processing transaction information the data is encrypted and sent to the Authorize.net server. Authorize.net then sends the encrypted credit card processing data to the card holder's bank for authorization. When the transaction is approved the money is normally deposited into the merchant's bank account within two business days.

Merchants can log into a password protected website to obtain merchant account information, merchant reports, and to run credit card processing transactions manually through a virtual terminal as well.

Merchants Should Consider Accepting Credit Card Payments Online

To compete in today's world merchants need to accept credit cards to give their customer's the payment options they are seeking. Many internet users pay for their goods and services with major credit cards. More consumers are paying for their purchases online every day. Consumers buy on impulse and fast online credit card processing keeps customers interested. Online, real time credit card processing transactions take less than ten seconds to process. Packaged applications such as our Internet merchant account and Authorize.net online payment gateway make it easier than ever to do business online. Because of our low merchant account pricing it increases profitability for merchants. Funding typically occurs within 48 hours and helps to improve merchant's cash flow. With an Internet merchant account merchants can sell both hard and soft goods.

Merchant Account Definitions

What is an online payment gateway? The Authorize.net online payment gateway is an Internet based system that allows a merchant to obtain authorization and draft capture services from the authorization network. Online payment gateways are Internet connections that reside on or near the Internet foundation; online payment gateways are connected to today's existing banking networks to do online credit card processing. The Authorize.net payment gateway has servers that receive credit card processing transactions from various Web sites and convert (decrypt) the encrypted message format to a standard bank network message format for credit card processing. The Authorize.net payment gateway sends and receives credit card authorizations and settlement requests from commerce enabled Web sites.

What is a shopping cart? Shopping carts allow consumers to shop electronically, usually with an online catalog or text based list of choices. Selected items are gathered into a shopping cart (a temporary database) where the pricing is calculated. The shopping cart then connects to an online payment gateway and passes the credit card processing information securely to the gateway for authorization.