Internet Merchant Account
For Online Credit Card Processing

An easy, cost-effective way to accept credit card payments online from your E-commerce website.

Start Accepting Credit Card Payments Online with Internet Merchant Account!

Perfect Payment Solution for E-commerce Websites


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What Internet Merchant Account For?

An internet merchant account (or online merchant account) is the easiest and fastest way to begin accepting credit cards for your online business. You’ll get a free virtual terminal, no setup fees, and great rates.

Millennium Bankcard’s Online Merchant Account includes payment gateway. This allows a business to accept credit cards and debit card payments securely over the internet, perfect payment processing for any e-commerce website. To learn more please read our article of “What is online payment gateways and how do they work”.

Your online visitors will enjoy an improved user experience as your online credit card processing will be simplified when you use Millennium Bankcard as your approved internet merchant account provider.

Watch Our Video About Internet Merchant Account

E-commerce Credit Card Processing

internet merchant account for e-commerce

E-commerce credit card processing is vital for almost any kind of business today. Technology is the driving force behind some of the major changes seen in the business and financial world over the past decade. One of the most profound changes business owners have witnessed during this time, is the rapid increase in the volume of online transactions completed on a daily basis. The scale of connectivity in the world of today has caused a major shift in how the majority of customers make their purchases. More than half of the world’s consumers are now using e-commerce payment methods as opposed to making traditional in-store purchases. In order to keep up with this trend, retailers and businesses should be looking to offer their customers fast and secure online payment solutions from a reliable payment processor.

At Millennium Bankcard, we proudly offer a wide range of simple and secure e-commerce payment solutions for business owners looking to take their company into the 21st century with online merchant account. With our services, you can quickly start accepting online credit card payments through your company’s website We specialize in providing internet merchant account that is ideally suited to your business and e-commerce website. From the point of the online transaction, through our secure payment gateway and into your merchant account, Millennium Bankcard is there through every step of the process to ensure your online transactions are smooth, fast and completely secure. We would recommend you to read our article “PayPal vs Credit Card Processing” to learn more about advantages of credit card processing for e-commerce websites.

When you choose Millennium Bankcard to manage your e-commerce transactions and payments, you can expect to get the very best in terms of equipment, software, customer service and technical support. Our team of knowledgeable associates will be happy to provide you with as much information concerning online payment processing fees and interchange rates, so you will have an accurate idea of how our services will work in your company’s budget. We can quickly get you set up with an internet merchant account at a great monthly rate, with no setup fees! You’ll be able to start accepting mobile and online credit card payments in no time with ease, so you can start focusing on how to continue growing your business. To learn more about how you can get set up with an online merchant account from Millennium Bankcard, be sure to contact one of our merchant account specialists today!

Small Business Online Credit Card Processing

small business online credit card proccesing

As consumers preferences skew more and more towards purchasing goods and services from online sources, small businesses should look for more ways to accommodate this growing trend. Online and mobile transactions have actually begun to surpass traditional in-store sales in terms of popularity and overall volume. For the small business owner, the time has come to provide customers with fast and secure online payment options. This will help your business reach more consumers and maximize your potential for sales and profits. Online payment processing consists of multiple steps that occur in rapid succession in order to accept payments quickly and securely for consumer convenience and peace of mind. The best way to ensure your business provides fast and secure credit card payment options for customers is to work with a quality merchant account provider like Millennium Bankcard.

At Millennium Bankcard, our service provides businesses of all sizes and scopes with the ability to process online credit card payments of all types. Whether you want to set up in-store or online payment processing, we have all the necessary tools to keep your business running smoothly. When it comes to online payment processing, our service is completely secure, streamlined and ideally suited to your specific needs as a business owner. We provide our customers with a secure online merchant account through which any and all funds from online credit card transactions can be processed and accepted. With our service, you can quickly expand the scale of your business by reaching more customers and completing more transactions via your online presence. In addition to our streamlined payment processing, Millennium Bankcard provides all the necessary fraud protections, electronic transaction records, round the clock technical support and much more.

When you choose to work with Millennium Bankcard for online payment processing, we provide you with an Internet Merchant Account. This account comes with a secure payment gateway that is connected to your e-commerce website, allowing you to accept credit card and debit card payments securely over the internet. To give you a better understanding of exactly how our online credit card processing service works, take a look at the step-by-step walkthrough listed below.

Small Business Credit Card Processing Step-by-Step

Initializing the Purchase

Once a customer has finished browsing your site and found the products or service they want to purchase from your small business, they will be directed to a payment page. On this page they will be asked to provide their payment information such as a credit card number, their name and in some cases a billing and shipping address. Once they have entered all the necessary information, they will send a purchase request. The purchase request initializes the payment process.

Secure Payment Gateway

online payment gateways

After the purchase request is made, a number of processes occur in rapid succession. The necessary purchase information is routed via a secure, encrypted connection to the purchaser’s bank and/or credit card company for processing. The purchaser’s bank is called the issuing bank, since it will be the source from which funds are issued to your merchant account. In a matter of seconds, the issuing bank determines whether or not the transaction can continue based on the amount of available funds in the customer’s account, or whether or not the credit card company approves the purchase based on available credit. If the bank denies the transaction, the process is cancelled. If everything is approved, the transaction continues via the secure payment gateway set up by your merchant account provider.

Transferring Funds

Now that the purchase has been approved, the issuing bank sends a record of the transaction to the credit card company and the merchant account provider. It is at this point that the merchant and the customer receive confirmation that the transaction was approved, and funds have been transferred. Funds are transferred through the payment processing network from the customer’s issuing bank to the merchant’s bank account, which is known as the acquiring bank. Again, this process is completed in a matter of seconds for customer convenience as well as the merchant’s. In just a few simple steps an online credit card purchase can be completed for your small business.

Accepting Funds

After all the approvals have been granted for the purchase and the issuing bank has sent the funds, the money is deposited by your payment processor into your merchant account. This account is provided by your payment processor, and it is where funds are temporarily stored before you deposit them into your regular business bank account. Funds are usually stored for a short period of time in order to protect you and your business from things like payment fraud. There are some instances where customers end up withdrawing their purchase soon after the payment process has been completed. By holding funds in a secure merchant account, this protects the small business owner from having to refund the customer out of pocket.

Small Business Credit Card Processing: How to Start?

This is a basic overview of the online credit card processing procedure for the average small business. Typically, merchant account providers will charge a setup fee along with a small percentage on each transaction, but with Millennium Bankcard, you can set up an Internet Merchant Account without paying any setup fees! Simply contact one of our account specialists to begin setting up credit card payment processing for your small business. We will work with you to better understand the specific needs of your business in order to provide you with the ideal merchant account and payment processing service. Our online credit card processing is fast, secure and convenient for your customers as well as your small business. We provide comprehensive information about our payment processing fees as well as credit card company’s interchange fees, so you can easily integrate our service into your company’s monthly budget. If you would like to learn more about the ways Millennium Bankcard can help your small business grow with our online credit card payment processing services, feel free to contact one of our friendly associates today!

Internet Merchant Account Includes:

Online Merchant Account Setup

Enabling your business to accept all major credit cards online, including VISA, MASTERCARD, AMERICAN EXPRESS, and DISCOVER Card. The best solution for e-commerce websites.

Authorize.net Payment Gateway Setup

Transmits the transaction information from your website using SSL encryption for security. No Programming required. Your customers will be able to pay you, in real time online, from your website. Accepting credit cards has never been easier!

Virtual Terminal

Receive an online terminal to process, view, and manage all of your transaction activities.

Internet Merchant Account for E-commerce Websites

Compatible with most shopping cart platforms

If you’re looking for the easiest way to accept credit cards on your website then call 1 800-483-8815 and speak to one of our merchant account specialists or apply online.

You’ll also have access to powerful online tools: using the Authorize.net Virtual Terminal, you’ll be able to process, instantly authorize, and manage credit card transactions from anywhere!

Provide the best online shopping experience for your users with the best e-commerce payment solution



visa logo credit card processing
master logo credit card processing
authorize.net for e-commerce payments
discover logo credit card processing
american express logo credit card processing

Get Started Today with Online Merchant Account

No Hidden Fees, Easy Setup & Fast Approval.


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