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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    1 1 5 We were sold a product which wasn't effective for our business. Our lives have been nothing but stressful since we started with this company. I waited on the phone for 20 minutes with an unusual amount of verification only to reach a service rep who did not speak fluent English so it was difficult to get a solution. Although we have reached out endlessly for solutions no one at the company seems to care since we signed the contract. I would recommend doing your research because this company will tell you anything to get you signed and then disappear when things go wrong. They get ZERO stars! 1
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    We were sold a product which wasn't effective for our business. Our lives have been nothing but stressful since we started with this company. I wait...

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    5 1 5 Kat was very friendly and helpful! She verified that SBGA had received my (returned) Clover Mini and she also provided the phone number for Ascentium Capital. 1
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    Kat was very friendly and helpful! She verified that SBGA had received my (returned) Clover Mini and she also provided the phone number for Ascentium ...

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    5 1 5 Always agreeable to assist, polite and courteous. Thank you for the assistance today. 1
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    Always agreeable to assist, polite and courteous. Thank you for the assistance today....

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    5 1 5 Kaitlin was AWESOME she helped answer every question i had. keep up the work. 1
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    Kaitlin was AWESOME she helped answer every question i had. keep up the work....

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    5 1 5 The support that we receive from SBGA has been superb. They quickly resolve any issues we encounter. Their staff is very knowledgeable and knows who to direct you to when they don't have the answer. I highly recommend them for handling your credit card processing needs. 1
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    The support that we receive from SBGA has been superb. They quickly resolve any issues we encounter. Their staff is very knowledgeable and knows who...

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