Get FREE Quote

How Does Batch Processing Work?

When it comes to credit card processing, it’s beneficial for a merchant and the banks they work with to offer a seamless transaction experience to the customer. Customers expect their credit cards to work instantly, and making them wait for processing is bad for business. Merchants can use real-time processing, but it’s expensive and impractical, so many of them choose to use batch processing for their credit card transactions.

How Does Batch Processing Work?

When a customer’s card is swiped, the credit card terminal, software or gateway stores the merchant’s authorization codes in a file; this file is usually purged at the end of the day when all the information can be sent and processed in one batch. Processing these transactions simultaneously is a lot easier and less resource intensive than processing every transaction as it occurs.

When the time comes for a vendor to settle their merchant accounts, they send their authorization codes to the credit card processing company; the processor takes this information and sends it to the proper banking institution. When the bank gets this information, they release the money to the processor, and the processor forwards this money to the vendor’s bank.

This process usually doesn’t take more than 48 hours, and when it is complete, the bank bills the customer who initiated the transaction with the vendor. When it comes to the customer’s perspective, they never know that their payment hung in limbo for a couple of hours; it looks like a seamless process that took place instantly.

Vendors can process their merchant accounts at various times throughout the day, but most choose to do it only once because credit card processors charge a fee for every time a batch is closed. From a financial perspective, batch processing saves vendors a lot of money; the vendors aren’t charged multiple fees for the same service throughout the day. The vendor can send one batch, and they avoid paying for every single transaction that they make.

Batch processing is convenient and inexpensive. When a vendor uses batch processing, they know that the payment will be authorized, and they don’t have to spend time on individual processing. When all the information is stored together, it allows merchants to see all of their credit card transactions in one place, and this allows them to segment their information into specific time periods. Batch processing is convenient, it saves money and it offers more security than processing transactions in real-time.



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.

Linda Garner from Regali Da Forno

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
Call Us Today!

© 2016 All rights reserved. Privacy Policy
CREDITCARDPROCESSING.COM, LLC is a registered ISO of Wells Fargo Bank, N.A. Walnut Creek, CA

*Further terms and conditions may apply. Promotion contingent upon's receipt of written competing offer(s).

**Certain restrictions may apply.

Promotional offers brought to you by

EMV® is a registered trademark owned by EMVCo LLC. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc.

Call for details.