STEP 1: Call a toll-free number from any touchtone, portable or cellular phone.

STEP 2: At the prompt, key in your assigned pin number.

STEP 3: Enter your customer's credit card number, expiration date, CVV2 code (a three digit security code located on the back of each credit card), the customer's billing zip code and the dollar amount of the sale.

STEP 4: Write the approval number on a credit card slip for the customer to sign.

STEP 5: Hang up—your work is done! The funds will be automatically transmitted to your checking account or debit card (typically within 48 hours) through the Federal Reserve ACH system.

It’s that simple.