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Let Payment Boost Increase Your Profitability With Solutions You Can Trust

  • Increase Your Profitability By Lowering Your Costs

  • Protected Pricing

  • Scalability

  • Customizable Solutions

  • Transparent Billing


WHAT IS THE InBalance PROGRAM ALL ABOUT? 


 

InBalance 

is a unique cash discount program that offers our Merchant Services clients the opportunity to offset card processing fees, virtually eliminating the cost of accepting credit cards.* 


InBalance 

allows businesses to charge a small service fee to customers who pay with credit cards, which supplements the cost of acceptance. If a payment is made with cash, the customer will not have to pay the service fee. 


 

INBALANCE PROVIDES MERCHANTS FLEXIBILITY 

Processing credit & debit cards with InBalance is simple, secure, & affordable 

  • Helps lower overhead business costs

  • Offers EMV and NFC ready terminals and POS Systems

  • Mobile options available

  • Provides merchants program compliant signage & stickers in their welcome kit


WHAT ARE PAYMENT SOLUTIONS?

 

Payment Solutions

describes the process and service which automates electronic payments between consumers and merchants. 


At the point of sale a credit card or debit card is swiped, dipped,or tapped through the POS device or terminal for in-person transactions 


Online transactions are processed through a secure gateway, virtual terminal, or hosted web page 




 

HOW TO ACCEPT PAYMENTS:

Processing credit and debit cards is simple

  • Countertop terminals 

  • Point of Sale systems 

  • Mobile solutions 

  • NFC Contactless 

  • Ecommerce

  • Pay Now/Donate Now buttons 

WHAT IS NFC PAY? 

Contactless Payments 

or NFC (near-field communication) payments reduce the need for customers to touch the payment device. 


Instead of transferring private card information, a unique digital signature is assigned to each payment. The transactions are more secure reducing fraud and chargebacks. 


Virtually every credit card terminal and Point of Sale system International Bancard offers NFC contactless transactions. 

HOW TO USE IT:

NFC-Enabled Chip Cards 

  • Many card-issuing banks are embracing credit cards equipped with NFC capabilities, meaning instead of inserting the card or swiping the card, cardholders can make a payment by holding/tapping their credit card over the payment device 


Apple Pay and Android Pay 

NFC payments can also be made using an iPhone or Android phone by storing credit cards in Apple Pay or Android Pay and holding/tapping their phone over the payment device 

WHAT ARE MOBILE PAYMENTS? 


Mobile Payments 

Business happens everywhere and anywhere. International Bancard has you covered with innovative, convenient, and secure mobile processing solutions. 


Own a landscaping company? Operate a food truck? Have repair technicians out in the field? We've got the perfect solution for you. 


Accept EMV chip cards, swiped transactions, contactless payments, and mobile wallets like Google Wallet and Apple Pay. 

HOW TO USE IT:

Wireless Terminals 

  • Easy to use wireless terminals give you exceptional coverage and the ability to accept payments wherever your customers are.

Smart Phone Solutions 

Encrypted card readers only require a payments app and a Bluetooth® connection to pair with your smartphone 

Apple Pay and Android Pay 

Download our app onto your tablet or smart device and securely process payments from virtually anywhere 

WHAT IS A POINT OF SALE SYSTEM? 

Point of Sales systems (POS) 

track inventory, item sales, provide detailed financial reporting, monitor customer/client activity, and integrate with third party payroll and accounting systems. 


POS systems support wireless payment peripherals, so your staff can accept payments all around your business. 


Multple Options: 

A Complete Payments Solution 

  • Point of Sale systems (POS) offer complete business management tools in one convenient device. Point of Sale systems include a touch screen display, cash drawer, receipt printers, barcode scanners, and additional peripheral devices if needed

The Right Fit For Your Business 

International Bancard offers several Point of Sale options designed to fit your specific business needs 

WHAT ARE ONLINE PAYMENT PROCESSING SOLUTIONS?

International Bankcard

supports multiple online payment options, including our own fully integrated gateway. 


Your clients just click to pay from your website, shopping cart, or hosted payment pages. 



Multiple Options: 

Virtual Terminals 

  • Quickly and securely initiate credit card sales, store credit cards, or setup recurring billing schedules from any internet connected device using our Virtual Terminal.

Shopping Carts

Connect your credit card processing to virtually any shopping cart solution and let your customers buy online. 

Hosted Pages 

Add a Pay Now button for one-time payments and donations on your website. Hosted pages are quick and simple to install 

 

WHAT IS A VIRTUAL TERMINAL? 

A virtual terminal is web-based payment software. With a virtual terminal your business accepts credit and debit card payments without a traditional credit card terminal. All you need is internet access and a merchant account with International Bancard. 



HOW DOES A VIRTUAL TERMINAL WORK? 

 

Virtual terminals are really simple to use. Log into your virtual terminal, input your customer’s payment info into your secure page, and submit. That’s it. The payment processes and the money is on its way to your account 





 

WHAT ELSE COMES WITH A VIRTUAL TERMINAL? 


 Virtual terminals are more than just payment gateways. International Bancard virtual terminals have these additional features: 


  •  Credit and debit card acceptance 

  •  Recurring billing functionality 

  •  Fraud prevention suit 

  •  Web dashboard for full reporting 

  •  EMV-compliant credit, debit, cash and check acceptance

WHAT IS A HOSTED PAY? 

If you’ve ever donated money to your favorite charity or cause online, you probably clicked a big button that said, “Pay Now” or “Donate Here”. That’s a hosted payment button and it allows your customers, members, or clients to make simple, secure, one-time payments right from your website 



HOW DO I SET UP A HOSTED PAY BUTTON? 


The good news is you don’t have to do much at all. There’s an easy form generator which allows you to specify a set dollar amount to pay, a total tied to an invoice you sent, or a variable amount your customers can choose. 


International Bancard generates the code for the button and you post it directly to your website. Once activated, your customers enter their payment data, and we process the transaction for you though our PCI-DSS compliant, end-to-end fully encrypted gateway.


WHAT IS A SHOPPING CART? 

If you’ve ever bought anything online, you already know what a shopping cart is. A shopping cart is software used in eCommerce that allows your customers to purchase your goods and services online. 


WHAT DOES A SHOPPING CART DO? 


The shopping cart software tracks the items purchased, keeps a running total of the order, adds shipping and handling where applicable, calculates taxes, and adds in service fees or 

surcharges. Your clients enter payment details like their credit or debit card 

number, expiration date, security code, and shipping address. 



HOW DOES A SHOPPING CART WORK? 


Most importantly, the shopping cart 

communicates the payment information to International Bancard card through a 

secure, fully encrypted, PCI-DSS “handshake” and tells us to bill your client’s card and deposit the money in your bank account. 


International Bancard payments 

processing is compatible with hundreds of shopping cart providers.


We will help you increase your customers, increase your revenue, enhance your customer experience, all while automating your marketing.

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