How credit card transactions work #credit #card #processing, #interactive, #credit #card


How credit card transactions work

Interactive guide shows how merchants, banks process card purchases

By Tyler Metzger | Published: January 14, 2009

More than 23 billion credit cards transactions are processed annualy in the United States. But have you ever wondered what exactly happens after your card is swiped?

Use this guide to to find out how your credit card transactions are processed.

How a credit card is processed

Step 1, Authorization

1. The cardholder requests a purchase from the merchant.

2. The merchant submits the request to the acquirer.

3. The acquirer sends a request to the issuer to authorize the transaction.

4. An authorization code is sent to the acquirer if there is valid credit available.

5. The acquirer authorizes the transaction.

6. The cardholder receives the product.

1. The merchant stores all the day’s authorized sales in a batch.

2. The merchant sends the batch to the acquirer at the end of the day to receive payment.

1. The batch is sent through the card network to request payment from the issuer.

2. The card network distributes each transaction to the appropriate issuer.

3. The issuer subtracts its interchange fees, which are shared with the card network, and transfers the amount.

4. The card network routes the amount to the acquirer.

1. The acquirer subtracts its discount rate and pays the merchant the remainder.

2. The cardholder is billed.

Acquirer: A bank that processes and settles a merchant’s credit card transactions with the help of a card issuer.

Authorization: The first step in processing a credit card. After a merchant swipes the card, the data is submitted to merchant’s bank, called an acquirer, to request authorization for the sale. The acquirer then routes the request to the card-issuing bank, where it is authorized or denied, and the merchant is allowed to process the sale.

Batching: The second step in processing a credit card. At the end of a day, the merchant reviews all the day’s sales to ensure they were authorized and signed by the cardholder. It then transmits all the sales at once, called a batch, to the acquirer to receive payment.

Cardholder: The owner of a card that is used to make credit card purchases.

Card network: Visa, MasterCard or other networks that act as an intermediary between an acquirer and an issuer to authorize credit card transactions.

Clearing: The third step in processing a credit card. After the acquirer receives the batch, it sends it through the card network, where each sale is routed to the appropriate issuing bank. The issuing bank then subtracts its interchange fees, which are shared with the card network, and transfers the remaining amount through the network back to the acquirer.

Discount fee: A processing fee paid by merchants to acquirers to cover the cost of processing credit cards.

Funding: The fourth and final step in processing a credit card. After receiving payment from the issuer, minus interchange fees, the acquirer subtracts its discount fee and sends the remainder to the merchant. The merchant is now paid for the transaction, and the cardholder is billed.

Interchange Fee: A charge paid by merchants to a credit card issuer and a card network as a fee for accepting credit cards. They generally range from 1 to 3 percent.

Issuer: An financial institution, bank, credit union or company that issues or helps issue cards to cardholders.

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Academic Programs – Health Information Technology #health #information #technology #program, #health


Academic Programs Health Information Management

Visit the Health Information Management Academic Program page on MC’s online catalog

The US Department of Education requires colleges to disclose a variety of information for any financial aid eligible program that prepares students for gainful employment in a recognized occupation. Midland College is committed to creating an educated workforce by offering occupational programs that lead to gainful employment.

Medical Coding Specialist
Health Data Coordinator
Health Data Specialist – Physician Practice

The Health Information Management online associate degree program is accredited by the Commission on Accreditation for Health Informatics and Information Management Education (CAHIIM). According to the Bureau of Labor Statistics, health information management jobs are expected to increase by 15% from 2014-2024. The median income is $37,110, (2015 statistic), but additional credentials do add to the marketability of professionals.

The HIM program was established in 1998 as a traditional face-to-face program. In 2007-2008, the HIM program transitioned to an “online only” program to meet the needs of working students and professionals. The exception to online courses are the requirement for clinical courses completed onsite at a facility (HITT 2261 for the associate degree and HITT 1167 for Medical Coding Specialist certificate).

Program Statistics for years 2011- 2016 :
Registered Health Information Technologist: 91 % pass rate for graduates t aking RHIT exam.
Employer Satisfaction Rate: 100%
Student Graduate Survey, Satisfaction Rate: 100%

Many students admitted into the program have already completed one degree, and some have bachelors or masters degrees. The reason they pursue the associate degree training is to be eligible for the Registered Health Information Technician (RHIT) upon graduation. The RHIT credential, and the RHIA credential for the bachelor’s degree, continue to be a preferred credential that healthcare employers seek when hiring Health Information Management candidates.

Online Technology Requirements

Students meet the minimum requirements listed on Canvas to complete the courses. See for details.

Students must be self-motivated, able to comprehend information in written form, and have the ability to communicate effectively both in written and verbal forms. Students should also be able to research websites, upload and download documents, post discussions, and access email. The courses are not self-paced, but have scheduled weekly due dates for assignments, discussions, and tests. Students should expect to spend 6 9 hours per 3 hour credit course to complete assignments, readings, and tests. Instructors are available to answer questions online or by phone related to course topics.

Skills Needed for Health Information Profession:

ability to analyze patient data for payment or registry information,
able to sit for long periods to complete work at work station
research and review patient information for regulatory compliance,
code and categorize patient information using standard coding systems.
communicate effectively with patients, physicians, and other customers
ability to work under pressure to meet deadlines
keyboarding skills and ability to use software systems, patient portals, etc.

Students may apply to the program in the semester they are completing the prerequisites. Final grades will be verified before admittance. Students are accepted prior to each semester (Summer, Fall, and Spring). Most of the students in the programs are considered part-time; taking 2 to 3 classes each semester since most have part-time or full-time jobs. There are approximately 70-80 students taking HIM classes or prerequisite courses to gain admission to the program.

Clinical Requirement Onsite:

Students that live outside the local Midland area are able to locate clinical sites in their area with the assistance of the HIM program. More information and directions are given to students upon acceptance into the program (courses related to associate degree and Medical Coding Specialist certificate). Prior to the clinical course, students are required to meet certain facility requirements to attend clinical practice. These include a background check, drug screen, immunizations, and other requirements based of the facility. More information provided prior to clinicals.

See Frequently Asked Questions for more information and application.

Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

Click on the links below for the suggested sequence of courses for Midland College’s Health Information Management associate of applied science degree and for the various Health Information Management certificates.

Associate of Applied Science Degree for Health Information Management

Medical Coding Specialist Certificate

Health Data Coordinator Certificate

Student Support Coordinator, Raquel Valenzuela, RHIT
2 1 8 DFHS, 432-685- 6893

Midland College is accredited by the Southern Association of Colleges and Schools Commission on Colleges to award certificates and associate and baccalaureate degrees Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4500 for questions about the accreditation of Midland College.

Notice of Non-discrimination (Title IX)


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48-month USPS NCOA Processing #ncoa #processing,national #change #of #address,ncoalink,email #append,reverse #email


NCOA Processing Phone Append Email IQ

The challenge:
America is constantly on the move. Each year over 44 million Americans change addresses but old data typically remains in databases. This means lost opportunities, lower recovery, reduced ROI. and ultimately wasted money. And don’t forget frustration.

The solution:
Replace your old, out-of-date mailing addresses, phone numbers & email addresses with our fresh, current data. All processing is fully automated, fast & available 24.7.365.

Users gain on-demand access to NCOA, Phone Append, and Email IQ :

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  • Ready-to-mail NCOA return data | Easy-to-use | Wholesale NCOA rates
  • 4 years worth of Individual, Family, and Business moves | Updated weekly
  • No software purchase required | Full NCOA-48 processing
  • OnDemand access: Phone Append, Email Append & Reverse Email Append
  • Fully satisfies USPS Move Update requirement
  • The web’s best high-performance National Change of Address solution

Frequently Asked Questions

What makes us so good?

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    Why pay more?
  • Format Flexibility: XLS, XLSX, CSV, TXT, DBF,
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What makes us so affordable?

Simple: A belief in great rates for everyone.

We work hard to make our users happy. And pricing is an important part of this. Simply put, we treat our users as we like to be treated. Fundamentally, this means maintaining the lowest price possible instead of the highest price possible. It really is that simple. No matter if you’re a single-time user with a small list, or daily user with large volume, you’ll find the same great wholesale pricing available to everyone. And there are never, ever. extra charges.

Copyright 2002-2017 NCOAsource


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Billview Phone Bill Customer Service #payment #processing, #payment #processing #services, #payment


Billview Phone Bill Customer Service

Let Us Help You with Your Phone Bill

Welcome to, your online resource to help you with your phone bill. BSG understands phone bills can be difficult to navigate, so let us help you identify items, charges and transaction types which are provided to you by your telephone company. BSG provides phone billing services enabling consumers to make purchases at authorized online stores, service providers and telecommunications companies, and pay later on their home phone bill.

How To Research Purchases Made with Your Phone Bill

When you make a purchase or sign up for services at authorized online stores, service providers and telecommunications companies, you will receive one of the following inserts (click to view): E NABILL. ESBI. HBS. OAN. USBI and ZPDI in your phone bill. The phone bill insert will have details on the purchase, the service provider where the purchase was made and charge information. Learn more about BSG s phone billing services and our program to protect consumers from unauthorized charges on home phone bills.

Contact Our Customer Service Team Now

Click on one of the phone billing service for details, and then contact us online or by calling for assistance. Our team is ready to help you research charges, provide contact information and details on the service provider where the purchase was made and help you resolve issues with your bill.

BSG s customer service team is available 7a – 9p Central time, Monday – Friday. You can also fill out an online Customer Service Inquiry. We will respond to your request within 4 business days.

Your Phone Bill Insert Page


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Scanning Software – for imaging, document management OCR and form processing


Automate data entry from hand-filled applications, surveys, forms and other paper documents. Integration with mobile and online forms available.

Automate data entry from any type of machine print document. Entry level solutions require the data to be in the same place on each page. Advanced data capture solutions are able to locate common data elements on each page automatically.

Automate data entry from accounts payable invoices using pre-configured templates designed to capture key invoice data like vendor, invoice number, amount, addresses and even line item data. Invoice Capture Case Study

These systems take unsorted documents and automatically identify them using intelligent layout recognition and/or keyword analysis. Once identified, they can be sent to the appropriate recipients or workflow.

Systems to securely store and manage electronic documents. Document management software gives you the tools to find and view documents, share them online, ensure regulatory compliance and improve document workflow.

Desktop OCR Software
Convert scanned images to editable text in MS Word, Excel, HTML or searchable PDF files.

For high-volume, server-based OCR that anyone in the company can use.

Service Bureau OCR

Service bureaus and corporate scanning departments can integrate OCR into a multi-user scanning process.

Improve legibility & OCR accuracy with image processing software, which will automatically adjust the brightness and contrast to create the cleanest, smallest black & white images possible.

Affordable alternatives to Adobe Acrobat for scanning or converting documents to PDF.

Keep your software and support contracts up-to-date here.

Find optional components and features for your document imaging software.


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Alliance Payroll Services #alliance #payroll #services, #applicant #tracking, #payroll #processing, #tax


One Online System, One Solution

Affordable Care Act Nirvana

Powerful Online Payroll Processing

Complete Benefit Administration

Single Database vs. Single Sign On

Alliance Payroll Services invests heavily in the best technology to deliver a better user experience. Unlike Single Sign On systems, our online system houses all employee data in a single database. Because of this, data changes are recognized across all active modules so that you never need to enter the data twice. Additionally, you can run cross module and EIN reports with just a few clicks on your keyboard.

  • Eliminate errors that occur when entering, or importing data, from several different systems.
  • Save endless amounts of time by storing all of your data in ONE secure system.
SSAE 16 Audited

Being a responsible protector of employee data is a mission critical operation. To help ensure we are taking all necessary measures to protect data, we undergo an annual SSAE 16 Audit. We are happy to provide you with a copy of our most recent audit which covers all operational systems and controls in place to protect your data.

We understand that the user experience is best defined by our clients, not a team of programmers locked up in a darkroom with a whiteboard. As an Alliance Payroll Services client you become a part of our development team. We created an Ideas Community that allows everyone of our over 7500 system users to have a voice in how our system features are updated.

When a user feels a feature needs to be added or improved they go to our Ideas Community. Once in the Ideas Community they can post, research, and vote on ideas they want enhanced. Users can have conversations with other users. Since 2009 over 95% of all system updates have originated in our Ideas Community.


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