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.

 

Sbga Blog Whiteboard
  • Sbga Merchant Processing
  • Sbga Helping The Hungry
  • Sbga Clover Station
  • Sbga Events Blog
  • Sbga Thank You
Sbga Clover Station

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.

    • 1
    • 2
    • 3
    • 4
    • 5
    1 1 5 If I can rate your company a minus ten I would. Your company evidently has many inept employees and my issue is still not resolved satisfactorily. Please review my history for service on 8/18/2017. 1
    Verified & Credible

    If I can rate your company a minus ten I would. Your company evidently has many inept employees and my issue is still not resolved satisfactorily. Ple...

    Bookmark and Share
    • 1
    • 2
    • 3
    • 4
    • 5
    5 1 5 Alex in customer service out of California did an amazing job for me. Alex took the time review my request and revolve my request. Es worth giving him a raise. Alex is worth it. 1
    Verified & Credible

    Alex in customer service out of California did an amazing job for me. Alex took the time review my request and revolve my request. Es worth giving him...

    Bookmark and Share
    • 1
    • 2
    • 3
    • 4
    • 5
    5 1 5 Called SBGA and issues were handled promptly and with care. Fabulous customer service from Marc 1
    Verified & Credible

    Called SBGA and issues were handled promptly and with care. Fabulous customer service from Marc...

    Bookmark and Share
    • 1
    • 2
    • 3
    • 4
    • 5
    5 1 5 Worked with Kat L. She was very nice and helpful. I appreciate that she kept me informed on the progress and what to expect. Knowledgeable and very easy to work with ! 1
    Verified & Credible

    Worked with Kat L. She was very nice and helpful. I appreciate that she kept me informed on the progress and what to expect. Knowledgeable and very ea...

    Bookmark and Share
    • 1
    • 2
    • 3
    • 4
    • 5
    4 1 5 Daisy was super helpful today! sometimes getting through to someone can be a pain, I was very happy to get her quickly on the phone today :) 1
    Verified & Credible

    Daisy was super helpful today! sometimes getting through to someone can be a pain, I was very happy to get her quickly on the phone today :)...

    Bookmark and Share

Site Map