We have credit card slips at the field, parents fill them out and place them in the order form just like a check. When we pull the orders at the office, we write the team code, camera, and sequence number form the envelope so we can come back to the order if there is a problem. Once we have finished with all of the envelopes, we input the credit card data to Virtual Merchant, a web portal provided by Elavon, our card processing company, which we set up through Costco. Some of the best rates out there, no terminal, and only a $5 per month charge for Virtual Merchant.The money is posted to my checking account in 24-48 hours.
Your bank might be able to open a Merchant Account for you, but I strongly advise you to shop diligently, as fees and rates vary dramatically.
Randy Brister, Cr.Photog.