VISA Debit and Credit Cards are issued through banks and other financial institutions. With the exception of certain specialty cards such as Health Benefits Cards and Purchasing Cards, any card bearing the VISA Logo can be accepted as payment at any business that has a merchant account.

MasterCard Debit and Credit Cards are issued through banks and other financial institutions. With the exception of certain specialty cards such as Health Benefits Cards and Purchasing Cards, any card bearing the MasterCard Logo can be accepted as a form of payment at any business that has a merchant account.

Discover issues Credit Cards directly to card holders as well as through banks and other financial institutions. Any card bearing the Discover Logo can be accepted as a form of payment at any business that has a merchant account.

American Express issues Charge, Credit and Prepaid Cards directly to card holders. Merchants must sign up for American Express before they will be able to take any card with the American Express Logo.

PayPal Cards come in several varieties. Most of their debit and credit cards have the MasterCard logo on it and can be used anywhere MasterCard is accepted. Some of their newer cards have only the PayPal logo on them. PayPal entered into an agreement with Discover allowing merchants to accept true PayPal branded cards so long as they can accept Discover. We activate PayPal Cards on all of our merchant accounts.

JCB Cards are issued in Japan and are used extensively by tourists and business travelers in the US. JCB stands for Japan Credit Bureau. JCB entered into an agreement with Discover allowing all US merchants that can accept Discover Cards to also be able to accept JCB Cards without the need to open a separate account with JCB. We activate JCB Cards on all of our merchant accounts.

UnionPay Cards are issued in China and may be used by tourists and business travelers in the US. Only businesses located in major US cities should consider being setup to accept UnionPay Cards. UnionPay acceptance is a special service that should be requested before opening your merchant account as it requires special handling.

An FSA Card is a special type of debit card available through employers that offer health insurance. Employees can elect to make contributions exempt from federal income tax that can be used for office visit co-pays, prescriptions and other medical and dental expenses.

An HRA Card is a special type of debit card available through employers that offer high-deductible health plans (HDHP). The employer contributes funds to the account to help offset a share of the high deductible to reduce an employee’s financial exposure. Funds can be used for office visit co-pays, prescriptions and other medical and dental expenses.

An HSA Card is a special type of debit card providing access to a medical savings account which is available to taxpayers who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax.

ACH stands for Automated Clearing House. This service allows merchants to electronically debit customer's personal and business checking accounts. It will allow merchants to accept "Check by Phone" for one time payments or it can be coupled with Recurring Payments (below) to collect payments on a schedule, such as monthly, weekly, etc.

Recurring Payments is a special service that can be used with Credit and Debit Cards or with ACH services. This service allows the advance scheduling and automatic processing of payments on a particular day of the month or any other frequency.