CyoGate Internet Payment Gateway

CYOP Provides Merchant Services That Enable Businesses To Accept Credit Card Payments By Retail Point of Sale, From Their Ecommerce Webstore, Or Mobile Device.

Retail & Internet Merchant Accounts

Merchant Accounts | Accept Credit Cards

Retail & Internet Merchant Accounts

If you currently accept credit cards, CYOP can save you 25%-50% or more off the fees you're paying to your current merchant provider!!!

A merchant account is needed by any business that wants to accept credit card payments directly from their customers without using a 3rd party processor, like PayPal.

A merchant account is a formal agreement between a merchant and a credit card processor that will allow the business to accept credit card payments and funds that are collected by credit card are automatically deposited into the merchant's bank account.

There are effectively two categories of merchant accounts including a retail, card present merchant account and an Internet, card not present account, which is also called a "MOTO" (Mail Order/Telephone Order) merchant account. With a "card present" account, the customer's credit card is actually present at the time of the sale and is typically swiped through a credit card terminal that transmits the transaction information for approval to the merchant provider. With a MOTO or Internet merchant account, the card is not present at the time of transaction creating a higher risk, so additional approval is required.

If you're in a very high risk industry, you may require a high risk merchant account which can apply to either retail or MOTO businesses.

Whether you need a retail, Internet or a high risk merchant account, CYOP is able to help. We have numerous sources for reliable credit card processing both here in the USA and Internationally and can present you to the credit card processor that best meets your needs.

CYOP can also help you secure e-check processing to be able to accept e-check payments by phone, website, or mobile device; and we provide open source point of sale solutions for retail merchants.

For more information on merchant accounts, point-of-sale software, or any of CYOP's open source ecommerce or merchant solutions, please contact us or signup for a FREE Business Process Assessment.

Apply For A Merchant Account!

Open Source Ecommerce Professional Services

CYOP employs a proven project management methodology that includes a detailed requirements analysis to effectively discern feature/function requirements before any development efforts begin which minimizes deployment time and necessary re-work.

The CYOP planning process includes development of a basic Functional Design, a Gap Analyis to determine custom development efforts, a Data Migration Strategy to ensure data from current systems can be effectively migrated to the new system, and a Systems Interface Design to describe any external systems that need to be integrated and how that will be accomplished.

CYOP's Project Implementation Roadmap combines a coordinated technical programming and development effort with sound project management to effectively bridge the gap between the client and the programmers to ensure business objectives, and not just a programming exercise, are achieved.

CYOP leverages free open source software to build for our clients an application that is highly customized for thier business and that they OWN. Because the finished application is owned by the customer who has full access to the souce code, there is no vendor lock-in and the application can never be obsoleted since with a large community of open source programmers able to ensure ongoing development and support.

A key component in the implementation of any Ecommerce system is the training of personnel and ongoing support. Users must be effectively trained in any improved revised business processes in addition to system feature/function. Common Ecommerce training programs tend to focus on general system functions. Then, employees go back to their desks and don't know what to do. CYOP's Ecommerce training focuses on working with the individual company personnel to make sure they know how to do their jobs, so once the new Ecommerce system is live, employees already know what to do.

Additionally, a sound support process and infrastructure ensures personnel have a way to escalate any questions or issues and that any bugs are promptly addressed.

EDI Consulting & Implementation

Professional EDI Services

CYOP's services combine the best features of open source software with the best features of Software as a Service (SaaS), enabling organizations to effectively own, control, and further develop and modify as needed, their own EDI software applications without the large expenses of hardware acquisition & maintenance, software licensing, data center facilities or an IT staff.

The CYOP team has extensive experience in enterprise computing and has successfully implemented dozens of Small Business EDI solutions resulting in increased revenues and growth for our clients.

By leveraging open source EDI software with CYOP planning, implementation and support services, even a smaller businesses can afford an enterprise-class EDI solution with no capital expenses, no hardware to maintain, no software license fees, and no need for on-site technical personnel. On-premises solutions are also available if desired.

CYOP specializes in BOTS open source EDI and cloud-based EDI solutions.


Social Media