Internet/E-Commerce

Who it's for

Internet businesses that want to accept orders and process transactions through an online payment gateway

What it can do for you

The Internet/E-Commerce solution lets you take online, phone, fax, and mail orders, and process all card transactions using a Web-based virtual terminal.

CyberSource Payment and SmartAuth — the basic payment processing solution

• Processes transactions in just 3 seconds
• VISA®, MasterCard®, Discover®, American Express®, and other payment options
• Quick, easy installation
• Works with all major shopping carts
• Address verification and account number verification help protect you from fraud
• Smart Authorization helps screen transactions for Patriot Act compliance, non-sensicle data and additional fraud identifiers
• Unlimited batch capacity
• Detailed transaction reports
• Manage your account, look up orders, and print reports from a single Web-based interface
• Built-in, no-fee fraud screening
• Requires a PC with a broadband Internet connection and Microsoft Internet Explorer 6.0 or higher (not compatible with Mac)

CyberSource Payment, SmartAuth and Payer Authentication — includes all the above features, plus Verified by Visa and MasterCard Secure Code payer authentication to verify cardholder's identity

Learn more about CyberSource

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Transaction Pricing¹

CyberSource Packages

Other Fees

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Pricing will be determined based on our review of your application and your particular sales and volume needs. All pricing shown applies to new Merchant Card Processing customers only. Pricing is subject to change if Merchant Agreement is received after 30 days.

Footnote¹Pricing shown is for qualified VISA, MasterCard, and signature debit transactions.

Merchant Card Processing from Bank of America does more than just help you process card transactions. It enables you to simplify business operations, increase revenue, and better serve your customers and clients with a complete solution that includes:

An extensive package of services

• Fast, reliable, and accurate transaction processing
• Processing of VISA®, MasterCard®, Discover®, American Express®, Diner's Club®, Carte Blanche®, JCB®, private label, electronic check, gift cards, prepaid cards, Electronic Benefits Transfer (EBT), and PIN-based debit, ATM, and Fleet transactions
• Comprehensive reports of transaction activity and daily settlement information with BAMSAccess, our convenient online reporting tool
• Competitive pricing
• Next-day deposits for customers with a Bank of America business checking account¹

Premier customer support for your business

• Personal assistance from Merchant Card Processing specialists, available 24/7, to help you get the most out of your card processing solution
  • Talk to a specialist
• Bank associates ready to help you at 5,800 banking centers nationwide
• Free access to a variety of tools and information to help your business—including interactive workshops, online guides, and useful calculators—at our Business Resource Center
• Clear, detailed explanations of the way card processing works—from the swipe of a card to the deposit of funds—in Merchant Basics

In addition to the service and support we offer, as the creator of the nation's first bank card system, Bank of America remains the most trusted merchant services institution in the country.

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Footnote¹Requires the optional 9 p.m. Eastern Time cutoff to be eligible for next-day deposit. Exceptions may apply.