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 I was promised so much at the beginning and I feel you have not fulfilled your end. I would not recommend the service. 1
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    I was promised so much at the beginning and I feel you have not fulfilled your end. I would not recommend the service....

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    1 1 5 lacking in so many ways. Do not recommend at all. 1
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    lacking in so many ways. Do not recommend at all....

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    5 1 5 Shawny T. was exceptionally friendly, personable, and took the time to ensure that I knew what direction I needed to go to resolve my issue. She confirmed that I had the correct information and set me on the right path! I am especially grateful that she did not make me feel rushed or ignorant. She communicated clearly and made me feel confident with what I needed to do. She went above and beyond with her customer service. She is a great asset to your company! 1
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    Shawny T. was exceptionally friendly, personable, and took the time to ensure that I knew what direction I needed to go to resolve my issue. She conf...

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    5 1 5 Shawny was wonderful, knowledgeable and so kind and helpful! You've got a good one there! 1
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    Shawny was wonderful, knowledgeable and so kind and helpful! You've got a good one there!...

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    5 1 5 I'm rating the customer service person I spoke with, Shawny. She was amazing! She took care of everything I needed today quickly and efficiently. I had tried myself to close these accounts. Our new credit card merchant said she had tried to close them. I'm not sure if she did or not. She's disappeared. We've had really bad luck with merchant service accounts but I have to say, Shawny recognized my frustration and did everything necessary to get this done. She was a pleasure! 1
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    I'm rating the customer service person I spoke with, Shawny. She was amazing! She took care of everything I needed today quickly and efficiently. I ha...

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