Transaction Processing
We handle every step behind each sale, from authorization and authentication to clearing and settlement with the banking networks, so your payments move quickly, accurately, and reliably.
What’s Included
Every card payment passes through several steps before the money reaches you. We manage the full lifecycle so each transaction is approved, verified, and settled without you lifting a finger.
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The moment a card is used, we request approval from the card-issuing bank to confirm the account is valid and has available funds, all in a matter of seconds.
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We verify the cardholder is who they say they are using tools like EMV chip data, CVV and address checks, and 3-D Secure for online orders.
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At the end of the day, your approved transactions are batched and sent through the card networks, where they’re reconciled between your bank and your customers’ banks.
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Once cleared, funds are transferred from the issuing banks and deposited into your business account, typically by the next business day.
How It Works
Free Statement Review
Send us a recent statement and we’ll break down exactly what you’re paying today, line by line.
Custom Proposal
We build a pricing and equipment plan around your volume, ticket size, and how your customers like to pay.
Fast Setup
Most accounts are approved and ready to process within 24 to 48 hours, with equipment shipped and programmed.
Ongoing Local Support
Our Salt Lake City team is a phone call away whenever you need help. No call centers, no ticket queues.
Get Your Free QuoteTell us a little about your business and a PayCommerce specialist will reach out within one business day with a no-obligation rate comparison.