Products & Services

Today, approximately 4 million US retailers accept credit cards and debit cards. If you don't, you should. And if you already do, we'll show you how to do it more efficiently and profitably. These cards don't just make purchases easier for your customers. They're a major profit center for your business, proven to increase average balances and revenues. To help you take full advantage, we'll deliver a customized solution that provides the greatest speed, accuracy and ease of use - today and tomorrow.

Credit Card Processing: Visa, MasterCard, American Express and Discover

Credit Card Processing

Credit card processing is the foundation of our product offering. This is a service every business needs to be successful in today’s economy. Businesses accepting credit cards have experienced increases in sales of over 30%. Accepting credit cards encourages consumer purchasing and stimulates customer impulse buying.



Check Processing (Conversion / Guarantee, Recurring Ach, Electronic Lockbox)

Check Processing

According to a recent Nilson Report publication, checks will account for 34% of all consumer non-cash purchase payments by 2005, totaling $2.4 trillion. Merchants who utilize TRANSACTION ONE’s check processing program realize accounting and banking savings that will directly increase net income and significantly reduce losses from bad checks.


Debit Card Processing (Online Debit and Off-Line Debit/Check Card)

Debit Card Processing

Industry experts confirm debit cards are rapidly becoming the most common form of payment at the point-of-sale, surpassing check and credit card volume. More consumers are discovering the convenience of debit, and more merchants are discovering the savings over alternative payment methods. Debit cards maximize cash flow and reduce risk as money is deducted from the customer’s bank account and credited to the merchant. TRANSACTION ONE, through it's strategic partners, operates its own switch to drive merchant’s debit transactions and provide direct access to both national and regional debit networks.

Electronic Gift Card Programs

Electronic Gift Card Programs

Transaction One offers a comprehensive electronic gift card solution for single or multi-store merchants. A solid gift card program is a must for every retail business and restaurant. The program is designed to keep customers coming back. The main benefit is providing consumers a convenient way to make purchases. Merchants will improve brand loyalty, increase store traffic and increase sales.

Automated Teller Machine (ATM) Services

ATM Services

The potential locations are limitless. The potential profits are too. We can help you harness the remarkable profit-building power of ATMs (Automated Teller Machines) - at no risk to you. We'll provide high-quality machines at competitive prices, and handle all the processing. All you need to do is keep enough cash in it to run transactions. Because you set the surcharge, you'll start earning revenues from your very first transaction. As a result, an ATM machine can pay for itself very quickly.

Electronic Benefits Transfer (EBT) Card Processing

Electronic Benefits Transfer (EBT) Card Processing

EBT is the delivery of government benefit funds via electronic means. As our society increasingly utilizes government sponsored programs, the EBT payment option is growing at a tremendous rate. In 1999 Federal law mandated that all federal aid distributions must be made electronically. Government programs such as Social Security, state issued food stamps, Women/Infants/Children (WIC) and Temporary Assistance to Needy Families (TANF) issue benefits on an electronic card known as an EBT card. TRANSACTION ONE utilizes one of the country’s largest third party processors for EBT and supports programs in all the major EBT states.

Transaction Charge Payment Software - Using a PC

Transaction Charge Payment Software - Using a PC

Transaction Charge software turns any PC into a payment-accepting and processing device without interfering with other programs. The application offers intuitive menu screens with action buttons that guide users through the program. Transaction Charge supports a wide range of peripherals, making it easy to accept all payment types including credit, debit, EBT, and gift/loyalty. Transaction Charge software processes transactions through the use of a Windows-based system and is fully validated by Visa’s Cardholder information's security program.

Top Features of Transaction Charge

  1. Multiple payment types accepted: All major Credit Cards, Debit Cards, EBT, Gift / Loyalty Cards
  2. Privilege-based user access
  3. Support for high-speed internet access with dial back up
  4. Supports single or multiple users
  5. Receipt reprint reporting
  6. Real time transaction processing
  7. PABP - Password complexity, configuration change logging
  8. Touch-screen friendly
  9. Automatic updates for compliance and feature upgrades

As a Merchant you need to handle an ever-increasing variety of transaction types, and want a solution that can process transactions simply, reliably and quickly. Plus as a merchant, you also need to make the most of your technology investment with a solution that will be able to grow along with your business. Transaction Charge is your answer!

Help Your Business Grow

Merchant Capital - Expanding Your Business

A merchant cash advance (a.k.a. business cash advance) is a great option for small business owners, we offer completely unsecured cash advances up to $500,000! A merchant cash advance has many benefits if compared with a small business loan. We help you capitalize your proven track record that's why we lend cash based on your future credit card sales.

We advance you funds against the merchant’s future credit card receipts. A mutually agreed-upon percentage is taken of the daily merchant’s Visa/MasterCard receipts until full repayment.

Amount of advance varies from $2,500-$150,000 and is based on the average of merchant’s last 4 months Visa/MasterCard statements. (Maximum advance is 125% of credit card processing).

It takes approximately 7 months to payback the advance. The payback period is not fixed because it’s based on the merchant’s actual Visa/MasterCard receipts. Therefore the actual payback will be a little longer or shorter, then the projected 7 months, but we only collect the mutually agreed fixed percentage of your daily Visa/MasterCard receipts until the entire agreed amount is paid back.

Transaction One is not a bank, therefore, there is no interest rate. There are also no requirements of collateral, financial, tax returns, etc. We can fund the merchant within 5- 7 business days.

The merchant may go online for daily balances and the month’s activity.