Theatre Manager provides connection to a number of service providers for credit card authorization, along with two modes of operating each option (schedule "C" or Schedule "D" compliance mode). Both are PCI PA/DSS 1.2 verified.
More information on Credit Card installation, setup, USB credit card swipes, PCI compliance, and card encryption can be found by clicking here.
There is often confusion between the purpose of a bank and a service provider and understanding difference helps make sense of the authorization options available to you.
The reason that service providers and banks are separate is historical. Banks started as local or regional entities in the USA. Most were not big enough to handle the infrastructure of authorizing credit cards. When cards became very popular in the 70's, they farmed out the business of authorizing cards to a service provider as an economical means of providing cards to their customers without the expense of hosting large computer centres.
Service providers provide the infrastructure to authorize cards and then then deposit YOUR funds in ANY bank.
With any service provider, the money always gets to your bank account. You enter or swipe the card information into Theatre Manager and it sends all the correct information to the appropriate service provider. The following illustrates the difference in flow of the authorization. In either case, a merchant has to maintain a PCI compliant Office setup.