Retail Credit Card Processing

What is a Payment Processor?

MHR Breaks down the importance and all the different angles it takes to make a successful Merchant Service

payment processor is a company appointed by a merchant to handle transactions from various channels such as credit cards and debit cards for merchant acquiring banks. They are usually broken down into two types: front-end and back-end.

Securest Transactions and Data Transfer Domestic Credit Card Processing

Front-end processors have connections to various card associations and supply authorization and settlement services to the merchant banks’/merchants. Back-end processors accept settlements from front-end processors and, via The Federal Reserve Bank for example, move the money from the issuing bank to the merchant bank.

In an operation that will usually take a few seconds, the payment processor will both check the details received by forwarding them to the respective card’s issuing bank or card association for verification, and also carry out a series of anti-fraud measures against the transaction.

Additional parameters, including the card’s country of issue and its previous payment history, are also used to gauge the probability of the transaction being approved.

Once the payment processor has received confirmation that the credit card details have been verified, the information will be relayed back via the payment gateway to the merchant, who will then complete the payment transaction. If verification is denied by the card association, the payment processor will relay the information to the merchant, who will then decline the transaction.

What way fits your Company the BEST? for cbd credit card processing

In today’s world there are many different ways to process a card like Credit or Debit, E-Commerce, POS (Point of Sale), MOTO (Mail Order Telephone Order), Interchange or just a plain RETAIL MERCHANT ACCOUNT. MHR has partnered with numerous issuing banks for Guaranteed LOWEST RATES, and FASTEST FUNDING’S! Why does use multiple banks? Do you go to a baseball game to cheer on your favorite football team? We didn’t think so, so we don’t make a shoe store do business with a bank that deals with Cannabis. Our competitors use one bank and submit all their business to them treating everyone the same leaving some with higher rates and some with lower rates we call this the “client cattle herd,” and lets be honest no one likes to be treated that way! MHR developed relationships with many different industries and industries providers, again leaving us with the best case scenario for you, a bank that specializes in what you do for a living, own a liquor store, shoe store, clothing boutique, car repair to name a few? MHR has the bank that specializes specifically for you in your industry giving you the BEST RATES, and FASTEST FUNDING TIMES, we will even remember you by name!


Professionals standing by to answer your questions.

How long does it take to get approved?

A completed package takes between 7-10 business days. (With strong communication)

What is a Completed Package?

A completed package is when the merchant has completed the General Application and submitted all supporting documents (supporting documents can be found on the top of the General Application

How long is the Contract?


What's the best way to reach you?

The contact form on this page or the one found on the Contact Us page. A trained professional will be in touch with you shortly to answer any questions you may have.

Do you offer Mobile Payments?

We offer a few different types of Mobile Credit Card Processing, so to answer your question yes and we have a few to choose from!

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