Credit Card Processing Guide

The guide below outlines primary credit card processing methods available to UCLA merchants. Please note that selecting a credit card processing method is only one step of How to Become a Credit Card Merchant. All departments that would like to accept credit card payments are required to conduct a cost-benefit analysis to determine if the credit card payment volume justifies the processing costs and what type of credit card environment is best suited for the department. Visit UCLA Treasury Services for more information on Credit Card Services.

Processing Method

Environment

Descriptionprocessing cost

Credit Card Terminal

Face-to-Face Customer Interaction

Uses stand alone credit card terminals, connected via analog only

Pass-through bank and interchange rates; terminal rental and credit card recharge fees

Point-of-Sale (POS)

 

Face-to-Face Customer Interaction

Uses UCLA computer and/or peripheral equipment (such as printer, scanner, or other third party equipment); requires approval from Treasury Services' campus credit card coordinator and IT Security

Pass-through bank and interchange rates; terminal rental (if applicable) and credit card recharge fees

CASHNet Cashiering

Mail Order/Telephone Order (MOTO)

Uses personal computer; merchant inputs credit card data; requires approval from Treasury Services' campus credit card coordinator and IT Security

Pass-through bank and interchange rates; credit card recharge fees

CASHNet eMarket

E-commerce

Uses electronic commerce (E-commerce); customers directly input credit card data online

Pass-through bank and interchange rates; credit card recharge fees

Third-Party Process

E-commerce

Uses electronic commerce (E-commerce); customers directly input credit card data online; requires approval from Treasury Services' campus credit card coordinator and IT security

.Varies