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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    5 1 5 Richard was absolutely delightful. He went above and beyond to answer my questions, and he even contacted another company to find someone to help solve my issue. He was pleasant and competent throughout. Thank you for a wonderful customer service experience. 1
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    Richard was absolutely delightful. He went above and beyond to answer my questions, and he even contacted another company to find someone to help sol...

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    5 1 5 Joanna was very helpful in directing me to the correct place, with my question. Thank you for everything. 1
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    Joanna was very helpful in directing me to the correct place, with my question. Thank you for everything....

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    5 1 5 Great customer service, love the new machine, good company so far! 1
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    Great customer service, love the new machine, good company so far!...

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    5 1 5 Heather Wheeler was great in helping me today. She got back to me shortly after I sent her an email and she solved my problem right away. Great experience! I’m on the phone with insurance companies every day where I wait on hold forever and then get transferred to other people. This experience was a pleasant surprise. 1
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    Heather Wheeler was great in helping me today. She got back to me shortly after I sent her an email and she solved my problem right away. Great experi...

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    5 1 5 I have been with them for a while now and do not even think of changing. Customer service is always excellent, especially with Heather working on our issue. She's really professional, quick to respond to queries,friendly and courteous and quick to come up with solutions that solve our problem. Thank you Heather. We totally appreciate you and the SBGA team. 1
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    I have been with them for a while now and do not even think of changing. Customer service is always excellent, especially with Heather working on our ...

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