Accept Credit Card Payments Anytime, Anywhere!

  • Boost sales and customer satisfaction with our PCI-compliant, low-fee payment solutions.
Get Started with Credit Card Processing

CREDIT CARD PROCESSING

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Accept Payments Seamlessly with Our Credit Card Processing

At eCheckplan, we make it simple for businesses to keep pace with customer expectations by offering fast and reliable credit card processing. Our solutions are designed to improve checkout experiences, speed up approvals, and keep your cash flow steady. With the flexibility to support seasonal growth and the strength to handle high-volume transactions, we give you the freedom to focus on running your business while we handle the payments.

Tailored for USA Businesses

50 States Coverage

Accept payments securely across all 50 states with reliable merchant services.

  • Built for Every Business

    • From small shops to large enterprises, solutions adapt to your growth.

  • Compliance Assured

    • Your merchant account is set up to meet strict U.S. banking standards.

Customer-Centric Payments

63% Prefer Cards

Credit and debit cards remain the most trusted choice for U.S. buyers.

  • Recurring & Subscription Ready

    • Simplify ongoing billing with automated card payments.

Reliable Cash Flow

1–3 Day Deposits

Funds are settled quickly into your merchant account, keeping business moving.

  • Boost Sales

    • Streamlined checkout reduces cart abandonment and improves conversions.

  • Omnichannel Access

    • Accept payments in-store, online, and on mobile with one system.

KEY FEATURES

Why Partner With Us?

Empower your USA business to thrive with our robust credit card processing solutions. Designed to simplify transactions, reduce costs, and enhance customer trust, our services help you accept payments from customers effortlessly—whether online, in-store, or on the go.

  • Transactions processed in seconds for a smooth customer experience.
  • 99.9% uptime ensures your business never misses a sale.
  • Handle high-volume transactions during peak seasons without delays.

  • Accept Visa, Mastercard, American Express, Discover, and more.
  • Integrate digital wallets like Apple Pay and Google Pay for added convenience.
  • No restrictions on card types, maximizing customer reach.

  • Transparent pricing with no hidden fees.
  • Customized plans to suit retail, e-commerce, or service-based businesses.
  • Save up to 20% compared to traditional merchant accounts.
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HOW CREDIT CARD PROCESSING WORKS

Behind the Swipe – Simplified

Every time a customer uses a credit card to make a purchase—online or in-store—a complex process is set in motion behind the scenes. Though it appears instant, credit card payment processing is a multi-step operation involving data security, real-time communication between banks, transaction approvals, and fund settlement.

Here’s how it works:
Card Entry

The customer presents or enters their card information.

01
Secure Transmission

The transaction is securely transmitted through a payment gateway.

02
Network Routing

The card network (Visa, Mastercard, etc.) routes the request to the cardholder’s issuing bank.

03
Bank Verification

The issuing bank checks for sufficient funds, verifies the details, and either approves or declines the transaction.

04
Transaction Approval

If approved, the transaction is processed, and the funds are authorized for transfer to the business.

05
This process happens in seconds—but it relies on two key components working together: Merchant Services and a merchant account
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Merchant Services: Powering the Process

Merchant services refer to the tools and technology that make credit card transactions possible. These services handle the technical, security, and compliance aspects of payment processing. They include:

  • Payment gateway integration for transmitting card data
  • PCI-DSS compliance to ensure security
  • Fraud prevention tools that reduce risk
  • Real-time transaction approvals and reporting

Without merchant services, credit card processing wouldn’t be possible. They ensure the transaction runs smoothly from the moment the customer initiates it to the point of final authorization.

merchant account: Where Funds Are Held

While merchant services handle the mechanics of the transaction, the merchant account handles the money. A merchant account is a specialized type of business bank account where funds from credit card transactions are deposited temporarily before being transferred to your main business bank account.

Here’s what it does:

  • Acts as a holding area for incoming payments
  • Ensures funds are verified, settled, and cleared
  • Adds a layer of security to protect both the business and customer
  • Facilitates daily or scheduled payouts to your business account

Without a merchant account, there would be no place to receive and hold funds during the credit card processing cycle.

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How They Work Together

To process credit card payments successfully, both a merchant account and merchant services are required—they’re two sides of the same coin.

Here’s how the relationship works:
Operational Role

Merchant services serve as the engine of credit card payment processing. They handle the technical side of each transaction—capturing cardholder data, encrypting it for security, validating it against fraud, and sending authorization requests through card networks. By managing this complex workflow, merchant services ensure that every payment request is processed efficiently and securely, setting the stage for funds to move through the merchant account.

Financial Role

The merchant account acts as the financial partner in the payment ecosystem. Once the transaction is approved through the merchant services provider, the funds are temporarily held in the merchant account. This safeguard ensures compliance with banking regulations and provides a secure channel for managing customer payments before they are released to the business.

It’s a Seamless Partnership
Technology Role

In addition to transaction authorization, merchant services maintain the infrastructure that keeps payments flowing smoothly. From real-time fraud prevention tools to reporting dashboards and customer support, these services bridge the gap between the customer, the card network, and the business. This direct link ensures that once a payment is approved, the merchant account can seamlessly take over the financial settlement process.

Settlement Role

After verification, the merchant account finalizes the process by transferring cleared funds into the business’s bank account. It also provides reconciliation, reporting, and cash flow management tools that allow businesses to track every dollar. Working in sync with merchant services, the merchant account guarantees that transactions move from authorization to settlement without delays or errors, giving businesses confidence and customers peace of mind.

Together, they enable your business to accept credit card payments efficiently, securely, and compliantly—giving your customers a smooth checkout experience and your business reliable cash flow.
SECURITY & COMPLIANCE

Trust & Compliance built in

pci
PCI-DSS Compliant Solutions
  • Meet the highest industry standards for data security.
  • Regular audits to ensure ongoing compliance.
  • Protect your business from costly penalties or breaches.
End-to-End Encryption for Customer Data
  • Safeguard sensitive cardholder information at every step.
  • Tokenization replaces card data with secure codes for added safety.
  • Build customer trust with visible security badges at checkout.
Fraud Protection for Peace of Mind
  • Real-time monitoring detects suspicious activity instantly.
  • Advanced AI tools reduce chargebacks by up to 40%.
  • Free chargeback support to resolve disputes quickly.
BUSINESS BENEFITS

Grow with Confidence

With eCheckplan, accepting credit card payments is simple, secure, and built for growth. Our flexible solutions and expert support ensure your business scales smoothly while keeping customers satisfied.

Real-Time Transaction Reporting
  • Access detailed analytics on sales, refunds, and customer trends.
  • Export reports for tax season or financial planning.
  • Spot growth opportunities with data-driven insights.
Flexible Plans for Any Business Size
  • Scale from 100 to 100,000 transactions without changing providers.
  • No long-term contracts—adjust as your business evolves.
  • Special rates for high-volume merchants or seasonal businesses.
24/7 Support for You and Your Customers
  • U.S.-based support via phone, email, or live chat.
  • Resolve customer payment issues without disrupting sales.
  • Proactive account monitoring to prevent downtime.
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INTEGRATION & SETUP

Get Started in Minutes

Simple Integration with Your Website
Plug-and-play

APIs for platforms like Shopify, WooCommerce, and Magento.

Custom solutions for proprietary websites.

No coding expertise required—our team handles the heavy lifting.

Compatible with Popular Platforms
Sync with POS

systems for in-store and online consistency.

Works with accounting software like QuickBooks for seamless book keeping.

Supports mobile apps for businesses on the go.

Dedicated Onboarding Support

Step-by-step setup guidance from our U.S.-based team.

Free training resources for you and your staff.

24/7 technical support to resolve issues fast.

Accept Payments Seamlessly with Our Credit Card Processing

Accept payments everywhere

Meet your customers where they pay, in-person or online.

In-person credit card payments

Accept credit cards securely at the counter, on the go, or anywhere you meet your customers. Our POS systems make transactions faster and more reliable while helping you:

  • Support chip, swipe, and contactless credit card payments
  • Manage refunds, tips, and split transactions effortlessly
  • Track sales and inventory with built-in reporting tools

With every swipe or tap, you deliver a seamless checkout experience that keeps customers coming back.

Online credit card payments

Grow your business with secure and flexible online credit card processing. Our advanced payment gateways are built to protect your transactions and optimize performance:

  • Accept credit cards on websites, apps, and e-commerce platforms
  • Safeguard transactions with fraud detection and encryption
  • Access real-time reporting and recurring billing options

From startups to established businesses, our solutions help you process credit cards online with confidence, security, and scalability.

INDUSTRIES WE SERVE

Trusted by Businesses Across Sectors

Healthcare
Education
Finance
Information Technology
Retail
Real Estate
Transportation & Warehousing
Telecommunications
Insurance
Hospitality

FREQUENTLY ASKED QUESTIONS

Quick Answers for Curious Minds

What is credit card payment processing?

Credit card payment processing is the system that allows businesses to accept card payments from customers, whether online or in-store. When a customer pays with a credit card, the payment is securely transmitted through a payment gateway, verified by the card network, and then deposited into the merchant’s bank account.

What do I need to start accepting credit card payments?

How long does it take to receive funds?

Are there any setup fees or long-term contracts?

Is your credit card processing PCI compliant?

Can I accept payments on my website and in-store?

What support do I get after setup?

What are chargebacks and how do you handle them?

Can I switch from another processor to your service easily?

What documents are required to set up credit card payment processing?

Say goodbye to high fees

Switch To eCheckplan For Simple
Secure Processing. 🚀

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Payments made easy, the way they should be.

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