Merchant Articles

Credit Card Software- If you are accepting credit cards then you need some credit card software. Finding the best credit card software just got easier thanks to Business Merchant Account. Keep reading our credit card software review to get more info!

No matter what type of eCommerce site you have, there are some things that you must have if you are accepting credit cards. A lot of credit card software programs are included for free in payment gateways and some you need to pay for. In this credit card software review by Business Merchant Account we are going to discuss some of the best credit card software programs and how you can find credit card software programs.

Free Credit Card Software:

JPOS credit card software- JPOS is one of the newest credit card processing software programs being offered. It is built on the Java platform, and can be used with any Windows operating system or computer with an internet connection. Here are some features of the JPOS credit card software program:

• Runs on any Windows based PC or Laptop (all versions except Vista Home Premium).
• Uses the 'Store and Forward' function in which the transactions are 'swiped' and processed later.
• Can be used with wireless merchant accounts.
• Meets the latest security requirements for all the major credit cards.
• Keeps a Customer Database
• Supports single or multi-user
• Robust and customizable search and reporting features

PC Requirements:

• Microsoft Windows NT, Windows 2000, XP (all versions), Vista (all versions except Vista Home Premium)
• 166 mhz or higher processor
• Internet connection
• Optional USB Swiper required for swiped transactions

QuickBooks Merchant Account Plug In- Processing credit cards through QuickBooks has never been easier. This program does it all for you. With QuickBooks Merchant Account you are able to process credit cards, print invoices, maintain inventory, and prepare tax reports very easy.

While there are many more free credit card software programs out there, Business Merchant Account recommends those two free credit card software programs. Sometimes free credit card software programs just don’t have the features that you need so you need to get a premium credit card software program. Here are some credit card software programs that we recommend if you need extra features.

Paid Credit Card Software:

PC Charge Pro- No matter what type of business you are running, PC Charge Pro is going have all the features that you need to process credit cards and maintain all the necessary reports. No internet connection is needed to run PC Charge Pro. PC Charge Pro costs between $199-$299 depending on where you purchase it. Here are some of the key features for PC Charge Pro.

• Windows operating system only
• Meets the latest security requirements for all the major credit cards
• Highest level of security available
• Multiple payment types accepted: credit cards, debit cards, EBT, check verification, guarantee and check conversion
• Customer database which allows recurring and installment billing
• Real time or offline processing
• Supports single or multi-user; password protected
• Unlimited merchant numbers
• Client software supports card readers, PIN pads and check readers
• Robust and customizable reporting features

PC Requirements

• PC with Windows Vista Business Edition (32-bit), Windows XP Professional Edition, Windows 2003 Server, or Windows 2000
• 600 mhz or higher processor
• 256 MB minimum of RAM, 512 MB preferred
• 50 MB free space on hard drive, 100 MB recommended
• Hayes compatible modem (capable of 1200 BPS or less) with an analog phone line OR an Internet connection
• CD-ROM drive

TakeCharge- Used mainly for Macintosh operating systems, it does work on Windows operating systems. TakeCharge requires an internet connection and with that connection you are able to get free updates from TakeCharge to make this one of the best credit card software programs. TakeCharge costs about $199. Here are some features for TakeCharge:

• Runs on Windows and Macintosh operating systems but Macintosh is the preferred system
• Meets the latest security requirements for all the major credit cards
• AVS, CVV2 fraud protection, and encrypted database for high security
• Multiple payment types accepted: credit cards, debit cards, EBT, check verification, guarantee and check conversion.
• Purchasing card level II processing
• Government card and Corporate level III processing
• Customer database which allows recurring and installment billing
• Real time or offline processing
• User level password protection provides controlled permissions at all levels
• Supports single or multi-user
• Unlimited merchant numbers
• IP connectivity using SSL
• Client software supports card readers, PIN pads and check readers
• Robust and customizable search and reporting features

PC Requirements

Windows operating system:

• Microsoft Windows 98, Windows NT, Windows 2000 or Windows XP. Does not support Microsoft Vista or Microsoft 7 yet
• 166 mhz or higher processor
• 48 MB minimum of RAM, 55 MB free space on hard drive
• Internet connection
• CD-ROM drive

Mac Requirements:

• Mac OS X v10.0 or later
• 55 MB free space on hard drive
• Internet connection
• CD-ROM drive

All of these credit card software programs are available from the top merchant account providers. In fact Merchant Express offers all of these credit card software programs that work great in conjunction with their cheap merchant accounts!

Merchant Account Official Site

Merch. Warehouse

Charge.com

MerchantExpress