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How do I accepts credit and debit card transactions?




To accept credit and debit card transactions, you will require the following:


  • A bank approved credit card machine
  • A merchant account with a bank

At XLN CPS we will supply you with a payment terminal and will help you set up a bank merchant account with our banking partner.


What solutions do we offer?


XLN Card Processing Solutions aims to offer all aspects of our customer’s credit and debit card processing needs as cost effectively as possible. These solutions are relevant to both merchants who already have a payment terminal and a merchant account with a bank, and also customers who do not currently accept credit or debit cards.


Our key offerings are as follows:


  • The supply of competitively priced UK bank approved credit card machines
  • The ability to set up a merchant account for customers who do not currently accept cards
  • The ability to reduce the transaction charges for merchants who are currently processing cards  



Payment terminals supplied by XLN CPS typically have the following features:



  • Acceptance of all standard UK debit and credit cards
  • Acceptance of American Express and Diners Club cards where required
  • Cardholder not present transactions
  • AVS and CV2 checking

Other optional features include:

 
  • Gratuities (restaurant mode)
  • Pre-authorisation (hotel mode)
  • e-top up
  • Cash-back
  • Multi-currency / Dynamic Currency Conversion

 

Our range of terminals cover the full spectrum of communications technologies including PSTN, fixed IP, fixed GPRS, Bluetooth and GPRS, and are sourced from a range of leading terminal manufacturers.







What do I have to pay to accept credit and debit cards?



There are three main cost elements to consider with a payment terminal solution:


  • Monthly rental of the payment terminal
  • Merchant Service Charge (”MSC”) which is the fee charged for processing each card transaction
  • Other running costs e.g. paper rolls. In the case of a mobile terminal, other running costs would also include the cost of a mobile airtime contract

At XLN CPS we offer our customers savings in relation to each of the above costs. XLN CPS also works with our customers to achieve savings through the utilisation of new and cost effective technology such as broadband in place of dial-up communications.


How can we achieve this?


XLN CPS has considerable experience of the payment market, and by utilising this experience and the buying power of our customer base, we have negotiated attractive rates which can be passed on to our customers.