Q. How fast can I get up and running?
A. Applications received after 3:00 PM PST will be processed the next business day. Please allow one business day for our New Accounts department to examine your application and up to one additional day for programming to build your account.
Q. How do I submit my application?
A. Sign the application form and return it to us. Click here for the instructional video. There are two ways that you can do this:
♦ Scan and email to newaccounts
or
♦ Fax to 800-771-0410, Attn: New Accounts
Q. What types of merchants do you not accept?
A. Adult Internet, Internet gambling, escort services, airlines, illegal activities of any kind, collection agencies (if written off debt).
Q. What credit card types may I accept?
A. You will automatically be set up to process VISA, MasterCard, Discover and American express transactions with next day funding.
Q. How long will it take to receive approval of my application?
A. Typically within the same business day, based on credit.
Q. Am I required to have a retail storefront to process credit cards?
A. This is not a requirement.
Q. Will I need to purchase additional equipment?
A. You will not need any hardware, but you will need one of our real-time gateway systems or PC software programs if you do not already have a system in place.
Q. What type of bank account do I need?
A. You will need a personal or business checking account. Your bank must allow this account to be credited and debited via ACH methods.
Q. What happens after my application is approved?
A. After we approve your application, we will send you an email that confirms your approval and contains your assigned Merchant ID number. You will also receive an email explaining your real-time setup (if you are using one of our systems). Note: You or your e-commerce provider will need to perform a small amount of configuration when setting up your real-time processing environment. You will receive a Welcome Packet by mail that explains this process in more detail.
Q. How quickly can I begin processing credit cards once my application is approved?
A. 99% of all merchants are approved with 24 business hours from the time we have your application/agreement. At this point you can begin your e-commerce integration and initiate credit card processing thereafter.
Q. How will I get paid for credit card transactions?
A. Your designated checking account will be credited for transactions within 1 business days of batch submission.
Q. Who will review the information on my application?
A. Our merchant underwriting and activation group will review your application. The information you provide is kept confidential.
Q. What is the cutoff time in my time zone?
A. The payments are batch processed by time zone, and each batch processed by 7PM Eastern Time/4PM Pacific Time/1PM Hawaii Time will be eligible for next day account deposits.
Q. Do you offer a free shopping cart?
A. Yes, ask you representative for more details.
Q. Do you have a set-up fee with a new merchant account?
A. No.
Q. What is the program guide?
A. Shown here
Q. My credit is not the greatest, can you help?
A. Yes, we will work with you. Apply now >>
Q. What are your rates?
A. It all comes down to your method of acceptance swiped (retail) or non-swiped (e-commerce, telephone). Request a free Rates & Fees quote >>
Q. What is the free smartphone card reader deal?
A. Card reader options: Card reader is free with 2yr contract or you can purchase the card readers without long term contract.
Contact your merchant account rep for details.
Q. What is Google wallet?
A. Google wallet is a new payment method for retail businesses.
Getting Started Is Easy
Contact us for more information.
Apply Online Today For A Merchant Account >>
Q. I don’t have a federal id# yet
A. You may use your SS# instead
Q. I don’t see my smartphone on your compatibility list – now what?
A. You can see the most updated smartphone card reader list here, don’t worry if your device is not on the list you can still accept credit card as key-in until the card swipe is ready for your device [ 3 ways you can accept credit cards on your device 1. Key-in on the app 2. Swipe the card 3. key-in with our web-based virtual terminal]
