What is an Online Merchant Account?

Merchant accounts and processing gateways are Internet services that enable online processing of credit cards. Online merchant accounts are variations of the traditional credit card processing used by retail stores and phone order houses. A business must qualify for merchant account; each provider has a different set of requirements.

Processing gateways are an intermediary to get card information from your shopping cart to the merchant account. Often processing gateways are packaged with merchant accounts.

What is a Payment Gateway?

A Payment Gateway provides credit card processing, billing, reporting and settlement and operational services to acquiring and issuing banks, manages the process of transferring authorized and captured credit card funds between different financial accounts such as the merchants company checking account. These corporations typically charge merchants a discount rate and a transaction fee for this service. These fees vary from processor to processor. We offer our clients FREE Authorize.net, which is one of the most trusted payment gateways on the Internet!

How long does it take to get set up?

Approval only takes 24-48 hours, depending on the level of difficulty for your particular account. Approvals are fast and easy, and we have a 99% approval rate. The processing bank sets up your Authorize.net gateway and then you're ready to get started!

How do I get started?

It's easy to get your online merchant account started. You may contact us by calling us Toll-Free at 1-888-884-2447 , or complete our pre-application form online.

Are my funds guaranteed?

Any customer has the right to dispute a credit card charge from the card's issuing bank. If a charge is challenged, a retrieval request will be sent to the merchant asking for proof that a sale had been made by the customer. In addition, the merchant's credit card processor has the right to discontinue service for many reasons. And finally, a merchant should take due diligence to protect against someone trying to order merchandise with stolen cards by becoming familiar with the process.

How quickly do I get paid for the credit card sales?

We realize the importance of having working capital for any business to succeed, and our processing systems get those funds to you as quickly as possible. Once a transaction is processed, approved and closed the turn around is typically 24-48 hours or two banking days for VISA or Mastercard transactions. American Express and Discover card transactions may take 3-4 business days.

Should I rent or lease equipment?

It is always best to lease your processing equipment, for tax deduction purposes. Depending upon the necessary equipment, renting can get costly, so paying a monthly lease payment may be a better option from that standpoint as well. To find out which solution best suits you, contact our sales department by calling Toll-Free at 1-888-884-2447.

Who can I contact for support?

Once your merchant account is set up, our banks offer 24 hours a day, 7 days a week support with english or spanish speaking account representatives who are located in the United States.