SBGA Blog Irvine California

SBGA (Small Business Growth Alliance)

SBGA (Small Business Growth Alliance) has the expertise, resources and partnerships that allow business owners to make the best growth decisions possible. SBGA offers all-encompassing solutions through their various partnerships, allowing SBGA members to grow their customer base, increase profitability, reduce costs, and mitigate risk. For news of our product and packages visit our SBGA blog and stay current with the ways in which we can help small businesses like yours succeed. Check out some of our customer reviews.

SBGA provides powerful web management tools and resources that can help your business grow. With professional customer service and attention to detail our marketing team provides expert marketing techniques that are designed to showcase your business on the web.

 

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SBGA Credit Card Processing for small business

While there is no doubt about the benefits of credit card processing in a business, it is still important to understand how the process works. There are five different parties that are a part of credit card processing: the cardholder, the business, the business’ bank, the cardholder’s bank, and the card brand associations (think Visa, MasterCard, American Express, etc.).

First, a business obtains credit card processing abilities by establishing an account through a credit card processor. This allows the business to accept several different types of credit cards, debit cards, and even gift cards through a credit card processing terminal. Then, a customer makes a purchase at a business by swiping their credit card on the business’s credit card processing terminal.

From there, the credit card must be authorized. Card associations such as Visa and MasterCard are essential for credit card authorization. They ask the cardholder’s bank to authorize a request for funds by checking security features and making sure there is enough money in the cardholder’s account. The cardholder’s bank then approves or cancels the request.

If approved, the cardholder’s bank sends an authorization approval to the business’ bank. Then, at the end of the day when all of the business’ transactions are sent to the bank for settlement, the customer’s bank deposits the funds in the business’ account.

Credit card processing might seem like a complicated process on the back end, but for most businesses and their customers, it’s as simple as swipe-and-go. Open your business to the benefits of credit card processing today.

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    2 1 5 I was assisted by Tiffany F and she went beyond what her company policy typically allows in order to help me figure out and complete my PCI compliance. The issue I have with this company is that the PCI compliance requirements are extremely confusing to me (not a computer guru) and in the past there was no attempt to reverse fees that came up without warning that I found on my statements after the fact. More can be done to help users of this service to prevent them being charged avoidable fees. There seems to be a lack of notification for upcoming re-certifications and if it were not for the help of this understanding representative I would have to rate the Company as a one star. Her actions alone made me feel like I was being treated as a human being and not just a source of revenue. I sincerely hope that changes are made to make these requirements easier for the end user to understand and reach compliance without the need to spend excess time on the phone and dealing with the frustration of being told "it was all in your contact at the beginning" and then having nothing done to remove fees that were already charged. If not for these repeated issues with this service I would give the company a higher star rating. 1
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    I was assisted by Tiffany F and she went beyond what her company policy typically allows in order to help me figure out and complete my PCI compliance...

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    5 1 5 It took a very short time to get an answer to my question, appreciated the help. 1
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    It took a very short time to get an answer to my question, appreciated the help....

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    5 1 5 They were prompted in giving me the answers 1
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    They were prompted in giving me the answers...

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    2 1 5 the agent I spoke too was very professional and was understanding of my concerns. I left merchant services because they partnered up with clover. clover takes at best two business day to fund my money into my account. I reached out several times, but they never resolved this issue. For this reason I left merchant services. 1
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    the agent I spoke too was very professional and was understanding of my concerns. I left merchant services because they partnered up with clover. ...

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    5 1 5 Merchant Services has been fantastic from the best rep, Lisa Gonzales to lowest fees and great customer service when we call for help. I feel fortunate that they found us. 1
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    Merchant Services has been fantastic from the best rep, Lisa Gonzales to lowest fees and great customer service when we call for help. I feel fortun...

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