Choosing a payment processor

Credit card processing diagram

Normally, youʼll submit credit-card payments from customers to a credit-card processing service. When you submit a card number for payment, the processor authorizes the transaction and forwards it to the bank. The processor provides security by encrypting card numbers and other customer data.

Active Club Solutions works with the following credit-card services:

For further details, see the Active Payment Processors web page at http://www.activeclubsolutions.com/active-club-solutions-partners/payment-processing-partners/comparison-payment-gateways/.

Credit card “vaults”

These supported card processors meet the needs of modern credit card security by storing card numbers in a “vault”: a closed database where they can only be accessed by means of a token, based on a unique identifying number issued by the processor and keyed to a specific merchant. The transactions are protected by point-to-point encryption, and neither Active Club nor any other agency ever sees or stores the actual card numbers. Active Club strongly recommends that you take advantage of this service, which you can obtain by requesting it from the provider.

If you use multiple processors for different customers, Active Club Solutions recommends that you have them all configured consistently, either using the vault service or not.

A further advantage of using a vault service is that it provides automatic updating of account information (a feature variously referred to as a “Decline Minimizer” or “account updater”). For example, if a customer has lost a card and replaced it, the processor will recognize the change and automatically charge the new card when you submit a transaction; you don't have to update the card number or billing information manually.

Of course, you can modify these details when necessary, by entering information in the Customer record (on the Credit Card tab). Manager contacts the processor, reports the changes, updates the Vault Id number, and erases the card number from the database (see Customer data entry: The Billing tab).


Related topics:

Credit cards, payments, and receipts

Choosing a payment processor

Setting up the account

Validating and authorizing