© 2022 North American Credit Card Association (NACCA). All Rights Reserved. NACCA is a registered ISO/MSP of Elavon, Inc Georgia
ETA Certified Management Team, PCI-DSS Compliant.
Products
Low Payment Processing Rates
Enjoy the best merchant account credit & debit card processing rates in the industry. NACCA offers simple and transparent merchant services pricing.
Credit Card Processing for Businesses
As a leader in processing solutions for over 30 years, NACCA is proud to be at the cutting edge of merchant account products, solutions and technologies that serve our business clients.
All Payment Types
Credit, Debit, Chip, Gift, ACH, eCheck, EBT & contactless Payments like Apple Pay.
Omni Commerce
Accept payments in the store, on the road and online.
Easy Setup & Fast Deposits
Fast & easy account Setup, accept payments And receive deposits in Your bank account as Soon as the same day.
Surcharge & Convenience Fees
Credit card surcharging and convenience fees to pass on the cost of card acceptance.
ACH - Echeck
Accept bank account payments from consumers anywhere. Real-time validation of bank routing and account number.
Electronic Check Services
Our electronic check services can make accepting checks as easy & fast as credit and debit transactions.
Gift Card & Loyalty
Gift card, promotional card, loyalty rewards and offers seamlessly integrated with your payment terminal.
Multi Currency Conversion
Price products and services in other currencies. Reduce currency confusion and shopping cart abandonment.
Dynamic Currency Pricing
Convert USD currency into the visiting cardholders home currency immediately at the point of sale.
EMV & PCI Compliance
Protect your business and your customers from fraud and chargebacks with EMV & PCI-DSS Compliant Solutions.
Reporting & Chargebacks
Online reporting, statements, chargeback management tools and transaction qualification analysis.
Business Cash Advance
Access to capital fast to meet business needs based on future card receivables.
Accept All Payment Tyes
Help your business grow by enabling all merchant account payment types. Accept all credit.
debit, chip, gift, ACH, eCheck, EBT and contactless payments.
Omni Commerce
Our merchant account payment solutions let you accept payments anywhere at any time. Accept merchant services payments in the store, on the road and online.
Start Processing & Get Paid Fast
Set Up
Let’s review your merchant account processing needs and complete a new account application. We’ll send you your equipment or other solution and train your team.
Fast Payments
Accept chip dipped, swiped, key entered and contactless payments like Apple Pay using a terminal, mobile smart phone, tablet or computer.
Get Funded
Funds are automatically Deposited into your bank Account as soon as the Same day.
- Same Day Funding Available
Surcharging
Lower merchant account costs by charging the cardholder instead of your business, a surcharge fee on every credit card transaction at the time of the sale. Available throughout the United States except for Colorado, Connecticut, Kansas, Maine, Massachusetts, Oklahoma and Puerto Rico.
- Same Day Merchant Account Funding
- Desktop merchant services payment terminals
- Wireless merchant services payment terminals
- Hosted payment pages
- Virtual web based terminal
- Buy Now Payment Buttons
- XML API & Checkout.JS
Convenience Fee
Many government and educational institutions will benefit from passing the cost of processing credit and debit cards to the consumer. Your institution receives 100% of its billed amount. We collect the convenience fee and pay all merchant account transaction costs. We can set the convenience fee to correspond to the cost of accepting the card the consumer chooses. Consumers who choose to use a rewards card will cover the extra cost associated with using that rewards card.
ACH - Echeck
Bank account payments can be accepted as easily as credit or debit cards from consumers anywhere. ACH – Echeck check not present transactions include web, PPD (Prearranged Payment and Deposit Entry), CCD (Cash Concentration and Dispursement), and Telephone.
- WEB
- Payer enters account information
- Recurring / single entry
- TEL
- Payers’ phone authorization
- Recurring / single entry
- PPD pre-arranged payment & deposit
- Payers’ phone authorization
- Recurring / single entry
- CCD corporate-to-corporate
- Recurring / single entry
- Written agreement
- Initiated by payee organization to transfer funds
Electronic Check Servcies (ECS)
Converts physical checks to electronic transactions at the point of purchase, back office and through the mail.
Point-of-purchase: Payer presents check to business and the check is processed through the reader / imager.
Back office conversion: Place checks in cash drawer to be processed through the reader / imager later.
Accounts receivable: Checks are mailed or placed in drop box and then processed through a reader / imager.
Gift Card & Loyalty
Easy to use gift card and loyalty program along with promotional offerings. A quick and easy way to reward loyalty members.
Electronic Gift Card (EGC): Electronic gift cards not only boost sales all year long, but they also encourage repeat business and attract new customers. Standard pre-templated cards and custom cards with your own design are available.
Loyalty or Discount Program or Promotions: Deliver loyalty rewards, promotions, offers, and gift cards that your customers crave. Increase overall engagement with your shoppers – increase visits, increase sales, and increase revenue.
Multi Currency Conversion
Price your products and services in other currencies and we handle the rest. Settlement and funding, net of exchange rates, are provided in USD. Interchange rates and fees remain constant regardless of the currencies you choose to accept.
Dynamic Currency Pricing
Allow international cardholders to pay in their home currency immediately at the point of sale. This offers less confusion for the cardholder as sales receipts match cardholder statements. In addition, you’ll earn a rebated commission on every qualified Dynamic Currency transaction, providing an additional revenue stream.
PCI-DSS Compliance
PCI DSS stands for Payment Card Industry Data Security Standard. This is a technical and broad-ranging set of security requirements created by the Payment Card Industry, laying out what Merchants need to do to protect customer information. The PCI Council requires that Merchants meet this set of security requirements if their business accepts, transmits or processes customer payment cards, such as credit cards or debit cards. Merchants that do not comply with these requirements can be penalized in a number of ways, up to and including having thethem unable to accept customer payment cards.ir card-processing privileges revoked, leaving them unable to accept customer payment cards.
EMV Liability Shift
EMV (Europay®, MasterCard®, and Visa®) is a global technology standard for payment cards. EMV Chip Cards validate the authenticity of the card with the entity that issued the payment card, helping to reduce counterfeit card fraud.
Based on the regulations set forth by the card networks, merchants accepting card present transactions who have not migrated over to EMV technology by October 1st 2015 will be liable for fraud losses and counterfeit-card transactions. Merchants will be liable for Visa counterfeit transactions and
MasterCard and American Express counterfeit and lost or stolen transactions.
A small investment to upgrade your old equipment to become EMV capable can potentially avoid a chargeback loss due to the liability shift and not using an EMV terminal.
EMV chip cards are handled differently than what merchants are accustomed to. If you “swipe” an EMV (chip card) on an EMV terminal the terminal will prompt you to instead “insert” the EMV (chip card) to process using the chip. Rather than swiping, the EMV (chip card) is inserted into the terminal, chip first (face up). The EMV (chip card) must remain in the terminal during the entire transaction. The card holder will either sign the receipt or enter their PIN to complete the transaction. The EMV (chip card) is then removed from the terminal.
Reporting
Online self-service reporting, online statements, downloadable reports, transaction details, search and automated reports by email or file transfer.
Chargebacks
Online user-friendly web-based tools to automate much of the dispute management process, enabling businesses to minimize chargebacks losses and concentrate on your business.
Business Cash Advance
Our business cash advance programs provide immediate working capital to small and mid-sized businesses. Repayment is through a percentage of your future card receivables.
