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Call-In Payment Processing
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Merchant Services for your Telephone Dial-Up Processing

In the Merchant Services industry, it is possible to process credit cards without processing equipment, simply by calling in the transaction. Call-in Payment Processing is a very economical way to get your business up and running with credit card processing if you expect a small transaction volume, if you're out in the field, or if you just don't know whether you need a credit card terminal yet. Accepting credit/debit cards can be a critical component for the growth and
Not all merchant services plans are created equal when enabling call-in payment processing. A reliable, affordable and easy-to-use credit card processing solution is necessary to ensure that your customers are able to make purchases quickly and easily.

A Solution You Can Trust

Total Merchant Systems will customize a solution to your business and customers' needs. We offer many economical solutions such as Call-in Payment Processing, providing self-employed professionals and small businesses with an easy way to accept credit and debit cards. It's perfect for businesses that are home-based, seasonal, or has low credit card sales volume. With new processing options available from credit card machines to software-based solutions, Total Merchant Systems can meet your merchant account needs as your business grows.
So how does it work? By dialing an 800 number from any touchtone, portable, payphone, or ordinary cellular telephone, you are connected to an interactive voice response unit. Using the telephone's keypad, you will key in the required information as it is prompted such as your merchant PIN number, the customer's credit card account number, expiration date, CVV2 code, and the dollar amount of the sale. Once approved, the credit card transaction is captured and held for settlement which automatically occurs once each night. The funds are electronically transmitted via the Federal Reserve's ACH system to your business checking account at your local bank within 48 to 72 hours. There are no sales slips to mail, or time consuming trips to the bank for depositing credit card drafts. Every month you will receive a statement detailing each day's credit card sales. This can be easily reconciled to the checking account statement you receive from your bank.
Our expert staff will assist you in protecting your business from the risk of fraud and chargebacks and act on your behalf to prevent losses before they occur. We offer comprehensive reporting options in a variety of formats from paper statements to secure web access.
At Total Merchant Systems, we understand that card acceptance for your customers is only part of your business. TMS delivers secure and reliable payment acceptance solutions with a wide array of product functionality and support, competitively priced, and designed to meet your unique requirements. Using TMS as your merchant services partner enables your business with a Total service and methodology, and the education to understand why.

Affordable Payment Options

All you need to get started with Call-in Payment Processing is a Total Merchant Systems' merchant account and any type of touch tone (keypad) phone, whether its portable, payphone, or any ordinary cellular telephone.
With Total Merchant Systems as your merchant services partner, you can offer your customers a variety of payment options via this processing method, including:
Visa MasterCard
Visa Checkcard MasterCard Debit Card
American Express Discover


Accept Credit Cards at your business or web site with Total Merchant Systems.
Need help understanding what you need to accept credit cards?
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© 2002-2008 Total Merchant Systems: Mailing Address: 2564 N. Squirrel Rd. Suite 165, Auburn Hills, MI 48326
Phone: 815-207-7535 * FAX: 866-467-6643 * E-mail: info@totalmerchantsystems.com
Total Merchant Systems is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA
American Express and Discover require separate approval