Question 1

What kind of businesses do you accept?

Accepted Answer

We accept retail, professionals, trade shows, mail order, telephone order, internet based, and home based businesses. We do not allow any Gaming transactions through our Payment Gateway.

Question 2

Do you approve international merchants?

Accepted Answer

Our International ecommerce solution and merchant account program is available. Please contact a marketing agent for more information.

Question 3

How do I apply?

Accepted Answer

Just fill out the free, no obligation, online merchant account application. We will contact you within 24 hours (not including weekends and holidays) and let you know what program you have qualified for, and answer any questions you might have. If you would like to go ahead with your application, we'll send you a simple hard-copy application package to sign and return with the required documents.

Question 4

How long is the approval process?

Accepted Answer

Once all necessary paperwork is received, most accounts are approved in 48 to 72 hours. Once approved, we will immediately inform you of your acceptance.

Question 5

What if I have less than perfect credit?

Accepted Answer

Our approval rate is 90%, so even if you have less than perfect credit you are likely to get approved. If you do happen to get declined, we will gladly return any application fee, so you have nothing to lose.

Question 6

Do I need a business license?

Accepted Answer

You need to have documentation showing you have registered your name — such as a business license, trade name registration, dba certificate, etc.

Question 7

What credit cards will I be able to accept?

Accepted Answer

We set you up so that you can accept MasterCard and Visa. You can apply for American Express and Discover at the same time. If you would like to accept other cards such as JCB, etc., an additional set up fee may apply depending on the acquiring bank.

Question 8

Are there any monthly fees for accepting American Express or Discover Card?

Accepted Answer

Discover charges a discount rate and transaction charge, set by Discover. American Express will determine a discount rate for your specific business.

Question 9

What is the discount rate?

Accepted Answer

Every bank charges a discount rate — a fee charged to a merchant for processing bank card sales drafts and crediting the funds to the merchant's account. The merchant discount depends on sales volume; the discount declines as sales volume increases, and is negotiated individually with each merchant. Example: If the merchant discount is 2%, the merchant keeps $98 for every $100 in sales.

Question 10

Will I receive a statement?

Accepted Answer

Yes. A statement is mailed out weekly or monthly with the relevant information on all transactions made into your account. There is a small Monthly Statement fee.

Question 11

What is the Address Verification System?

Accepted Answer

If you sell mail order/telephone order, or through the Internet, you don't want to send a product to a false address and risk a chargeback. The Address Verification System (AVS) lets you enter the customer's home address and compares it to the address on file with their credit card company. If someone uses a stolen card and wants products shipped to a false address, AVS will detect this for you.

Question 12

How will I get my money?

Accepted Answer

We do NOT aggregate. Your relationship will be established directly between YOU and the acquiring bank. Your money will be deposited directly into your current business checking account.

Question 13

Is there a service phone number that I can call if I need help?

Accepted Answer

Yes! You will have live, toll-free merchant assistance available to you 24 hours per day, 7 days a week.

Frequently Asked Questions

Getting Started

Credit & Approval

Payment & Fees

Technology & Security

Payments & Deposits

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