1) How do I apply for a merchant account?
– Please fill out the sales inquiry form and you will be responded to promptly.

2) Are there any start up fees to get my service up and running?
– There is no charge if you already have a machine, software, or gateway to accept transactions. If you are setting up a brand new account or need to replace your current equipment, there may be a charge.

3) Can I use my equipment if I already have a terminal/gateway?
– In most cases, we will be able to reprogram your equipment. If the equipment is no longer PCI compliant, we will need to replace it.

4) What rate am I going to pay?
– There are over 200 different rates charged by Visa and Mastercard alone. The rate that the merchant pays varies depending on which type of card is accepted, how the transaction is performed, and what industry the merchant is in. Because each of our customers has unique needs, our processing services are customized according to the specifics of their business. To receive a personalized pricing quote from one of our representatives, please complete a sales inquiry form and you will be responded to promptly.

5) When do my transactions get funded?
-Funding will traditionally take between 24-48 hours after batching out.

6) Can I be approved as a new or low credit merchant?
– Yes, we have relationships with several high risk processors. We can approve just about anything that would be approved elsewhere.

7) Will I be trained to use my terminal/POS/gateway/software?
– Yes, we always give full training when we install service for a merchant. This training is traditionally over the phone. If you are in the area of a local office, we can send a rep out as well.

8 ) How long does it take to set up a merchant account?
– There are many factors involved in setting up a merchant account but we can often get someone set up within 2-3 days of completing an application.

9) How can I view my account information?
– You will be able to view your account information online and through a monthly paper statement.

10) When should I inform my current processor that I am closing my account?
– You should wait until your account is approved and setup before closing your previous account. This is suggested so that you do not have any downtime while making your transition.

11) What are interchange fees?
– Interchange is what we call the hard costs that are set by Visa and Mastercard for the merchants to accept transactions. These rates are non-negotiable and must be paid by any merchant, no matter what the size, that chooses to accept credit cards.

12) What is the difference between online debit and offline debit?
– Online debit is another term for PIN debit. When a customer uses their debit card and enters their four digit PIN, it is considered an online debit transaction. The money is immediately withdrawn from the customer’s bank account in this situation. Offline debit is when a customer uses a debit card but does not enter their four digit PIN (the card is swiped just like a credit transaction). The money is not withdrawn immediately in this scenario. Funds will be withdrawn in the normal time period in which the credit transactions are funded.