How do I apply for a merchant account?
Just click here and fill out the one page application. The process takes about 5 minutes. If you'd like to apply via phone, call our 24 Hr Toll Free number

What type of businesses do you accept?
We accept retail, professionals, trade shows, mail order, telephone order, Internet-based, and home-based businesses.

What if my application is denied?
Very few applications are denied. In fact, we approve 98% of all applicants who apply for merchant accounts.³ In addition, there is no application fee. If your application were declined, it would be at no expense to you.

What if I have questionable credit?
Credit is not always the determining factor in our approval process. If your credit is questionable, we have some options available to you so your account can be approved.

What will I need to apply for a merchant account?

You will need the following information about your business:

1.       Business information (Tax ID, physical mailing address)

2.       Owner/principal information (contact and identifying information)

3.       Account information (bank account, funding information)

4.       Estimated credit card sales and existing credit card processing information (if applicable)

How do I find out the status of my application?
Call our 24 Hr Toll Free number

Can I be a sole proprietor or do I need to be an incorporated company?
You can apply as single, owner operator. Being incorporated is not a requirement.

How long does it take to get approved?
Usually about 24-36 hours after we submit all your documentation to the bank.

Do I need to open a new bank account for my merchant account?
No. The funds you collect from credit card transactions are deposited directly into the bank account of your choice. Funds are usually available within 2 business days.

Which 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. If you would like to accept Discover Card and American Express there is $25 set up charge.

Will I receive a bank statement?
Yes. A statement is mailed out monthly. It contains information on all deposits into your account, your total sales volume, and the charges for the month. There is a $9.95 monthly statement/customer service fee.

Do online merchants pay a higher rate than retail merchants?
Yes. Credit card transactions that are keyed-in are considered higher risk since the card is not present at the time of the sale. Merchants who do a lot of keyed-in sales (for example, mail/telephone order and Internet-based businesses) experience a higher discount rate than retailers where cards are physically presented and swiped.

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