Merchant Account Questions

How do I apply?
Just fill out the free, no obligation, online merchant account application and sign up for a 30 day risk-free trial. It should take you less than 10 minutes.
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How long does the approval process take?
Once all necessary application info is received, most accounts are approved in 24 hours or less, sometimes same day if we receive it first thing in the morning. Once approved, we will immediately inform you of your acceptance and deliver the terminal equipment or software.
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What does the 30 day risk free trial mean?
The 30 day risk free trial allows you to try our merchant account products and services, totally risk free. If you don't experience the highest level of customer service, along with the fastest, most efficient processing at the overall lowest cost, then cancel the service. We will refund you the purchase price of any equipment or software you purchases. However, merchant account credit card processing fees that you may have are not refundable.
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What kind of businesses do you accept?
We accept retail, professionals, trade shows, mail order, telephone order, Internet based, and home based businesses. Sorry, we don't accept adult related businesses.
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Do I need a business license?
No, you do not need to have a business license, trade name registration, dba certificate, etc. but it is helpful.
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Do I need a business checking account?
You only need a business checking account if you are a corporation. If you are a sole proprietorship you may use a personal checking account or a business checking account.
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What if I have less than perfect credit?
We have one of the highest approval rates in the industry. So even if you have credit problems, in all likelihood we will still approve you.
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What credit cards will I be able to accept?
We set up you so that you can accept MasterCard, Visa and bank ATM debit cards. You can apply for American Express and Discover at the same time. There is a small setup fee for American Express and Discover.
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Do I need to have an American Express or Discover account before I apply?
No you do not. We do all this for you.
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My website isn't ready, will I still qualify for an account?
Yes, we can accept temporary web sites, something very basic that shows product and pricing. It does not have to be live to the public but should show enough to get a sense of what you are selling and for how much.
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Do you process over cell phones?
Yes, we process credit cards over cell phones. Please check out our Blackberry credit card processing for an all in one solution including swiper and printer.
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How will I get my money?
Your money will be deposited directly into your current business checking account. Funds are usually available within 2 business days (sometimes slightly longer if your business is considered high risk).
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Is there a service phone number that I can call if I need help?
Yes! You will have live, toll-free merchant assistance available to you 24 hours per day, 7 days a week, 365 days per year.
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Will I receive a statement?
Yes. A statement is mailed out and/or emailed out every month with the information on all deposits into your account, your total sales volume, and the charges for the month. You can also access this information online via a website anytime for real time up to date information.
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Do you accept foreign businesses?
Yes we do. This requires the International / high risk merchant account application to fill out.
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What is the discount rate?
Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you, Our discount rates are exceptionally low for both retail (swiped) merchants and for mail order/telephone order and Internet merchants. Check out our merchant account rates.
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What is the Address Verification System?
If you sell mail order/telephone order, or through the Internet, you don't want to send a product to a false address and have a risk of receiving 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.
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