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Why Visa and MasterCard Are So Popular

Credit card processing has changed dramatically over the years due to technology and increasing bank regulations. However, the principle remains the same in terms of customer loyalty and business-friendly merchant services. Visa and Mastercard are the most popular cards in the market due to their versatility and flexible banking options.

Universal Cards

Visa and Mastercard have been around for a long time. Most merchants are familiar with how cards under this sign will process. Visa and Mastercard are also widely offered with most banks that are both local and national. More importantly, credit card processing can function on both a banking and debit form as well. Most ATM networks are adapted to Visa and Mastercard for debit transactions. Customers may have a bank debit card that they use for both everyday ATM banking and purchases. Mastercard uses the large Cirrus ATM processing network and Visa uses the Plus network. When including Mastercard, most merchant accounts like to see a solid banking reputation first.

Reduced Chargeback Authorization and Merchant Red Tape

Some credit cards companies allow for consumers to initiate a chargeback or possibly accept returned merchandise if the store will not return it. Visa and MasterCard will usually provide more leniency towards the merchant accounts. Both cards function as an intermediary. This means that Visa and MasterCard do not issue cards directly. They are issued by the various banks and each bank will have different rules regarding merchant account regulations. This diversity allows businesses to pick and choose banks that work well for their services. American Express and Discover have a more direct role in regulation and customer satisfaction.

Lower Merchant Cost

One of the biggest reasons Visa and Mastercard remain dominant in the credit card processing market is a play in numbers. Visa and Mastercard simply charge less to merchants to process. American Express can charge 2.5-3% in merchant costs per transaction. Multiple transactions can add up quickly to lost sales. The increase in price is a result of batch sales and authorization that go directly to American Express and Discover. Visa and Mastercard send this information to the respective banks they are associated with. Most businesses also find lowered costs by linking services from their business savings or checking to the Visa or Mastercard merchant accounts associated with them.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

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I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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