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"Your Holiday Directory"
  Payment Processor Information!
This section is made in honor of all National Career Holidays!

What is a Payment Processor?: wikipedia
"A payment processor is a company (often a third party) appointed by a merchant to handle credit card transactions for merchant banks. They are usually broken down into two types—front-end and back-end, with a gray area in between."

"Front-End Processors have connections to various Card Associations and supply authorization and settlement services to the merchant Banks’ Merchants. Back-End Processors accept settlements from Front-End Processors and, via The Federal Reserve Bank (FED), move the money from the issuing bank to the merchant bank. In some cases, the merchant bank gets the settlement information from Front-End Processors and in other cases, from the Back-End Processors. This is the gray area."

"In an operation that will usually take less than a minute, the payment processor will both check the details received, by forwarding them to the respective card’s issuing bank or card association for verification, and will also carry out a series of anti-fraud measures against the transaction."

"Additional parameters, including the card’s country of issue and its previous payment history, are also used to gauge the probability of the transaction being approved."

"Once the payment processor has received confirmation that the credit card details have been verified, the information will be relayed back via the payment gateway to the merchant, who will then complete the payment transaction. If verification is denied by the card association, the payment processor will relay the information to the merchant, who will then decline the transaction."

Getting Your Internet Business Ready

If you are truly building a Internet Business.......sooner or later you will have to use a payment processor to buy your advertising or pay for a services by means of a payment processors.  In time, once you learn about payment processors, many of you are going to want to use payment processors in your own website for your own customers to  be able  to trade with you.

Many affiliate programs will ask for your payment processor information &/or email address in order to be part of the program.  Many affiliate programs are set up using these payment processors and this may be the only way you can receive your commissions.  It's important that you be prepared ahead of time so when you do find that Internet program that you want to join, you already have your payment processor information all ready.

They are not as scary as they may seem and it's truly the way to go!!
Go ahead and get yourself set up with them.  The applications are simple and easy.  When applying you may be offered 2 types of accounts.  One is a personal account and the other is a Business account.  The difference is the business account will allow credit card transactions as well.  You pick which one is right for you.

Payment Processor Directory
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This article is licensed under the GNU Free Documentation License. It uses some material from Wikipedia/article payment processor/and other related pages. Top Photo by: free clipart from
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A look into "Career Holidays"
Administrative Professionals Day
National Garden Month
Careers in Cosmetology Month
World Teachers Day (October 5)
Notary Public Day (November 7)
National Waitress' & Waiter's Day:  (May 21)
Operation Room Nurse Day:  (November 14)
More Career Holidays
Payment Processor  Information for Beginners!
  Heartland Payment Systems