What is a Merchant Server?
A Way to do Business Over the Internet
Do you know how to process a credit card? Many people think of the terminal
or "swipe" machine at their local restaurant, market, or hotel. Most
business applications require that you bill your customer or accept credit card
information to be keyed manually before the order is filled. This can mean
slower response to your customers, delayed order shipping, and special security
requirements to keep your customer's credit card information safe.
Not so anymore!!!
With Merchant/400, used in conjunction with Commerce Server/400, you can
now call a simple API (Application Programming Interface) to process business
transactions over the World Wide Web. You can use your AS/400 applications
to collect credit card information from the customer while the order is being
placed - making the transaction easier and more secure for your customer,
resulting in new marketing, public relations and customer support opportunities.
Here's how it works. AS/400 applications collect information about an order - the
customer, their credit card information, and the total amount to be charged. This
is structured and sent via a call to the Merchant/400
API. Merchant/400 packages the information and sends it, via a secure SSL link, to
a transaction processing center. Once received, the transaction center processes
the transaction with your credit card processing center.
The results (approved or denied) are returned to your application - usually
within 1 minute. And you can transact charges or pre-authorizations and shipments
with Merchant/400 too, just by specifying a
Merchant/400 means your business doesn't need to rely on someone calling for credit
card approval anymore. Your customers can make purchases and pay for them -
immediately. No more waiting for the "credit authorization" person to get in. No
more calls to inform the customer that their credit was denied and you can not
fill their order. No more fumbling with the Veriphone terminal to enter a transaction.
In summary, Merchant/400 in conjunction with Commerce Server/400,
gives you the following benefits:
- Quick authorization of charged amounts - at any time, day or night
- Ability to charge or authorize/reserve amounts, depending on your business needs
- Faster processing and delivery of customer orders
- Use of applications to collect information - no credit card terminal necessary
- More reliable completion of transactions - fewer "on account" sales