What kind of businesses do you accept?
All types of businesses. We approve retailers, wholesalers, manufacturers, government, home-based, mail-phone order and internet merchants!

Why are your rates so low?
We represent several bank processers so that we can offer you the lowest credit card rates available. The amount of volume we also do allows us to pass down these very low rates to our new merchants. Discount rates are approved based on the type of business you have and the personal guarantor’s personal credit history. For detailed rate information, click on our Rates Link to review the rates we can approve you for.

What are my purchase or lease options for processing equipment?
Go back and click on the Purchase/Lease Plans link to review plans that are available.

How soon do I get approved and up-and-running?
We pre-approve all merchants ahead of time so that you know that you are approved even before we start the application process. Our merchants appreciate this service, for many merchant providers quote low rates and pricing, but don’t actually approve the merchant at these rates, thus wasting valuable time for merchants needing immediate merchant account approvals.

What credit cards can I accept?
We can approve you with all the major credit cards available(Visa, Mastercard, American Express, Discover, Diners Club, Carte Blanche and JCB). We also can approve you with ATM/Debit cards. We automatically approve you with the top 3(Visa/Mcard/Amex) with the option to add others once you are assigned a merchant account.

How soon are transactions deposited to my bank account?
All fund are directly deposited via ECH to your business checking account within 48-72 hours on average.

Do you accept bad credit?
Yes! Since we receive many inquiries from many types of businesses, we can approve merchants who have bad personal credit. In fact, we approve 98% of all merchants who contact us for merchant accounts!

Do you have any hidden fees?
Unlike most merchant providers, we pre-approve all merchants and state exactly what rates and fees they will be charged. There are no "so-called" hidden fees!

Are we charged any application fees?
NO! Since we pre-approve all merchants ahead of time, we do not charge merchants an application fee.

What is your refund policy?
Less that 2% of merchants we sign up are declined for merchant accounts. If it so happens that none of our bank processors can approve you merchant account, you will receive a 100% refund without question!

What processing equipment is best for my business?
It all depends on how you are going to accept and conduct your credit card transactions. If you are going to card-swipe most of your credit card transactions(retailers, restaurants etc), a hardware terminal is best for your needs. If you are entering in non-swiped

Transactions(mail-phone or internet orders, our software or real-time internet packages are best suited for your needs.

Are your processing systems easy to use?
Simple as 1-2-3! All of our systems are tailor-made to enable merchants to easily learn to conduct immediate credit card transactions. You will also receive detailed manuals showing you how to operate your processing equipment. Our customer support department will also answer any questions you have concerning operation of your processing equipment.

What kind of customer service will I receive?
All merchant receive 24-hour, 7-day/week customer support if they have questions concerning their credit card transactions.

Can I be approved based on company credit?Based on bank processors regulations, merchants can get approved on company’s credit history if they are a publicly traded or non-profit company, otherwise a personal guarantor on the merchant account will be required.

Why cant I get approved through my local bank?
Most local banks will not accept merchants conducting non-swipe transactions(mail-phone order, home-based, internet merchants). We specialize in approving these types of merchants with accounts with the lowest rates and pricing available worldwide!

Do you accept high-risk merchants?
YES! We approved most merchants who are classified as high-risk or high-volume accounts with the lowest rates available.

Do you accept Non-U.S. or Overseas companies?
YES! We accept these types of businesses if the personal guarantor resides in the U.S. and they process credit card transactions within the U.S.

How are the discount rates calculated?
Approved discount rates are determined on two factors: personal guarantor’s credit history and type of product/service sold.

Do my discount rates ever increase?
Your discount rates with us will only increase if the Visa/Mastercard Interchange rate goes up(only happens every 1-2 years), which forces all bank processors to increase merchants discount rates proportionately across-the-board. Watch out for merchant providers who increase your rates without your notice!

What should I watch out for when getting a merchant account?
Many merchant providers are asking for full payment upfront before they send you application packages and actually approving you with a merchant account. Do Not conduct business with these providers, for if they cannot approve you with a merchant account, they often will not refund all of the funds and charge you processing fees for attempting to approve you with a merchant account.

Is there maximum limits or caps on my monthly credit card volume?
NO! Beware of merchant providers that place your merchant account on-hold because you are exceeding your approved merchant account volume! We do not place holds on merchant accounts if you exceed your monthly volume. If your credit card sales are growing and you feel that your monthly volume will far surpass the average monthly volume we set for you, all we require is contact with our customer service department and request to have monthly volume reviewed and adjusted to the volumes you need for your mrchant account.

When do I receive my merchant account statement?
You receive your monthly statement of the previous months transactions within the first week of the new month.

How do I apply?
Once you are ready to order, just click on our Application link and fill out the application. An account executive will contact you within 24 hours to review the application with you and pre-approve your merchant account for immediate overnight delivery of your pre-approved merchant application package.