Retail Solutions "Retail"  is defined as one where greater than 50% of cards are swiped in person. Retail accounts require that the card be present and that it be run thorough a terminal (also called a credit card machine or strip reader). Swiping a card through a credit card terminal is the lowest cost way to accept cards, as it is the most secure. Since the card is taken in person,there is less risk involved for both the merchant and the processor in terms of chargebacks. Due to the mitigated risk, the card issuer provides lower rates due to the processor, and thereby to the merchant.

Restaurant Solutions Restaurant merchant accounts help owners to provide the latest technology to their clientele. We all know of restaurants that don't accept credit cards, and when we're in a hurry or low on cash, we avoid such places. But other eateries, from fast food to fine dining, are increasingly choosing to implement credit card payment options, electronic check processing, and even wireless payment processing for merchants  on the go who deliver food at home or to businesses  and public places for special occasions. A server wearing a pager will be greatly appreciated when someone at your table chokes or a little one spills her beverage. Scenarios like these, as well as a host of others, show why it makes sense to consider an upgrade to a restaurant merchant account.

Lodging and Hotel Solutions West Texas Capital Bankcard understands the lodging industry and provides many features and benefits to meet the needs of hotel management.  The hotel and lodging industry encounter many unique situations. The lodging merchant must offer processing solutions to accommodate front desk  management along with back office operations.Lodging merchant must also know how to handle “No shows” per each major credit cards  procedures.  West Texas Capital Bankcard can provide these solutions in compliance with MasterCard®, Visa®, and American Express® standard lodging requirements. Below are some features that our systems will provide. Comprehensive reporting packages customized for the hospitality industry Innovative value-added solutions for restaurant, hotel, casino, and resort operators. Integrated payment services and support for industry-leading property management and restaurant management systems Accommodates Guarantees  Fast credit card and debit card authorizations Dependable quality service and technical support Flexible platform options, including stand-alone, networked, PC, or integrated systems Enhanced features like no-show flag, one-key re-authorization, and networking

eCommerce Merchant Solutions To compete in today’s aggressive online e-commerce environment, merchants need a fast and secure payment processor they can trust to gain and maintain a competitive advantage. Processing credit cards over the Internet is one of the fastest growing segments of transactions today. This type of transaction or "card-not-present" transaction requires a special type of merchant account. Most credit card companies use special criteria to assess risk and they have a different fee structure because you never physically see the card.

® 2010 Capital Bankcard is a registered ISO/MSP of the following banks: US Bank-Minneapolis MN, HSBC Bank USA, National Association Buffalo, NY, and Wells Fargo Bank, N.A.-Walnut Creek CA. Capital Bankcard - 800.478.4830 | 2 International Place 4th Floor Boston, MA 02110