Explanation of Real-Time Credit Card Processing

Although all internet merchants accepting credit cards are required to do using a secure order form, many merchants selling on the internet are actually collecting your credit/debit card information and processing the sale "by hand" using a terminal which has a lower processing rate. Merchants who do not charge your card until the item is shipped are usually processing your card "by hand". In short, you do not know who is handling your sensitive credit card info or how trustworthy they may or may not be. In addition, honest merchants will use some type of address verification for your protection.

By contrast, credit/debit card processing from our website is handled entirely between secured computers located hundreds of miles apart from one another. Which means your confidential information is not handled by anyone on our premises. Orders placed using our secure shopping cart and paid for with a credit or debit card are credited/debited immediately or to use e-commerce lingo In "real time." You will get a receipt by e-mail after the order is placed. No further confirmation of the order will be issued until the order is shipped at which time you will receive a tracking number by e-mail. If a problem develops and we either cannot ship an item on the order or you cancel an order before it has been placed at the warehouse /shipped, a refund or credit will be issued.

Customers using a bank debit card, bank check card, pre-paid credit or gift card may see two charges on their card which may or may not have different dates. If so, it is because your card issuer requires that a merchant obtain an authorization first then, follow up the authorization with an actual charge when the payment is either confirmed at the end of the day or the order is shipped. Customers mistakenly believe that we charged their card twice. Or, sometimes if an order is not approved, it may appear as though the card has been charged. Multiple attempts to charge will result in multiple subtractions from your available balance. When you check your debit card, the statement may show multiple charges however, they are not a duplicate payment. Most card issuers will automatically remove the extra authorizations or un-confirmed charges from your account within 48-72 hours. Although some may take as long as 5-10 days.

We have partnered with a leading payment gateway to offer safe and secure credit card, debit card and electronic check transactions for our customers. The Payment Gateway manages the complex routing of sensitive customer information through the credit card and electronic check processing networks. The company adheres to strict industry standards for payment processing, including:

If you prefer, we can process your money order or credit card transaction by phone, fax or mail. DO NOT, under any circumstances, e-mail or text anyone your entire credit card number with expiration date or e-mail your checking account information. General e-mail is not secure. Your personal information passes through many different e-mail servers and a copy remains on each one. If you have any questions about how your credit card will be handled, use our Contact Form.