Payment.Software: Payment Processing That Plays Nice With Your Software
We help businesses nationwide accept payments, integrate with accounting software, and reduce processing costs.
How Payment Processing Works
The Payment Process:
Payment processing is a sequence of actions that securely transfers funds between a payer and a payee, involving authorization, verification, and settlement of transactions. The journey begins when a customer initiates a payment. The payment gateway captures and transmits payment information from the point-of-sale system to the payment processor or acquiring bank securely. This imperative step guarantees the confidentiality and integrity of transaction details, making a reliable payment processing service essential.
The Authorization Process
The authorization process involves checking if the cardholder’s information is valid, ensuring sufficient balance, and confirming that the account is in good standing. The issuing bank is responsible for authorizing or declining the transaction based on the customer’s account status and available funds. Once authorization is granted, merchants send a batch of approved transactions to their acquiring bank or processor for settlement.
The Settlement Process:
During settlement, the acquiring bank reconciles the batch of transactions and sends them through the card association networks. The card associations then debit the issuing banks and credit the acquiring banks for the authorized transactions minus fees. This comprehensive process, spanning from authorization to settlement, accurately transfers and accounts for funds, creating a seamless experience for both the merchant and the customer.
3 Simple Steps
Three simple steps to better payment processing with seamless software integration
1
Schedule a Free Comparison
Start with a local or virtual consultation to review your current processing costs.
2
Get Approved Fast
We handle merchant setup and integration with your existing software and tools.
3
Start Processing Payments
Accept cards, ACH, and mobile payments confidently with transparent pricing.
Seamless Integration With Your Favorite Tools
- QuickBooks
- Shopify
- WooCommerce
- Xero
- Magento
Complete Payment Solutions
Everything you need to accept payments and integrate with your business software
Credit Card Processing
Accept all major cards in-store and online with reliable, transparent rates.
Online Payment Processing
Secure checkout and recurring billing tools for eCommerce and subscription businesses.
Merchant Account Setup
Fast approval for small to mid-size businesses with personalized support.
POS & mPOS Systems
Mobile terminals for restaurants and retail—serve customers anywhere.
ACH & Digital Wallets
Accept eChecks and modern payment options for maximum flexibility.
Integration Services
Connect with QuickBooks, Shopify, WooCommerce, Xero, and more for automation.
Local Service, National Reach
Payment.Software is a Hickory, North Carolina–based merchant services provider helping local and national businesses simplify payment acceptance.
We combine personal service with advanced integrations that make your accounting and operations run smoother. Whether you’re a restaurant in Charlotte, a retail shop in Hickory, or an online store serving customers nationwide, we have the expertise to optimize your payment processing.
PCI DSS Compliant
Bank-level security for all transactions
Visa/Mastercard Partner
Official processing partner
24/7 Support
Always here when you need us
500+
Ready to Simplify Your Payment Setup?
Get a free rate comparison and discover how much you could save with better processing rates and seamless software integration.
Frequently Asked Questions
Get answers to common questions about merchant processing
