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BankcardUsa provides credit card processing services for small business and corporate clients. Company offers a complete one step process for accepting credit card payments.

BankcardUsa offers payment solutions for the following businesses:

  • retail store front,
  • mail-order,
  • phone-order,
  • trade shows,
  • professionals,
  • service industry,
  • home-based and Internet.

BankcardUSA opens Internet merchant accounts, you just have to send online request. An approval will be sent the same day.


BankcardUsa offers customers special software for accepting payments – it is called “RTWare”. It has different options and it’s very easy to use.

For Internet payments processing customers use “Web Link” option. WebLink supports most available shopping cart RTWare, and it integrates easily with most e-commerce solutions.

Using this option you can automatically accept, authorize and process credit cards and check orders directly from your web site 24 hours a day, 7 days a week in real-time.

Forget about all the complicated software, hardware and expertise normally associated with processing payments over the Web. Web Link allows Internet-based businesses to authorize, process and manage credit card transactions easily.

Web Link has the following benefits:

  • User Friendly interface.
  • Automated processing of credit cards for Internet merchants.
  • ACH/Electronic checks feature-transfer funds from customer’s checking account directly to merchant’s bank account and replaces the need to accept checks.
  • Support of recurring monthly payments from credit cards or checking accounts.
  • SSL security
  • Reporting capabilities accessible via the Internet.
  • Merchants can increase sales on the Internet through acceptance of credit cards Worldwide.
  • Authorize transaction within 5 seconds and emails customers’ order to merchants for fulfillment.
  • Encourages impulse buying on the Internet.
  • Merchant’s web site becomes a virtual storefront without the addition of a clerk.
  • Merchants can sell on-line services and offer immediate product Downloads i.e.. RTWare, Books, Video and viewing material.
  • Merchants processing site can be designed to have the same look and feel as their site.

The process of credit card processing can be described as the following:

  1. Online customer is ready to purchase products or services from a merchant’s Web site.
  2. Here merchant can choose 2 ways (Web site should be designed appropriately):
    1. WebLink captures the necessary information (name, credit card number, etc.) from the site’s own secure transaction page
    2. WebLink displays a standard WebLink transaction page, hosted on BankcardUsa’s Internet server, for the customer to fill out.
  3. Then this information is sent to BankcardUsa’s Internet transaction server. This information is encrypted using 40 to 128 bit Secure Socket Layer technology.
  4. The server then sends the data through the authorization network to the appropriate card issuer’s bank over a secure, proprietary connection.
  5. When the authorization process is complete - this takes around five seconds - the customer receives an approval or decline response and our server stores the transaction.

Transactions are automatically settled each day and funded within 2-3 days.


BankcardUsa offers special processing rates starting at 1,15%.

Express Application

Industry typeRatesIndustry typeRates
E-commercefrom 4%Nutra/Herbalsfrom 6.5%
Adultfrom 6%Forexfrom 4%
File sharing systemsfrom 10%Datingfrom 6%
Gambling from 4.5%Pharmacyfrom 8%
IT Supportfrom 10%Debt collectionfrom 7%
Travel MOTOfrom 6.5%E-cigaretesfrom 6.5%
Replica clothesfrom 8%Debt repairfrom 8%

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