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Frequently Asked Questions
  • What is a merchant Account? 
  • Why does my business needto accept credit card from my customers? 
  • How do I apply for a merchant account? 
  • How long will it take for my application to be processed? 
  • What crrdit cardswill my business be able tp accept? 
  • What type of equipment should my business useto process creditcards and checks? 
  • Will my business be able to purchase or lease the software and/or equipment I need?  
  • Will my business receive a statement on the transactions processed?
  • How will my business receive payment for each transaction? 
  • How is the lease payment determined? 
  • Are my funds quaranteed? 
  • What is address Verification Service? 


    What is a Merchant Account?
    A merchant account is a commercial bank account established by contractual agreement between your business and the banks we represent. A merchant account enables your business to accept credit card payments from your customers.

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    Why does my business need to accept credit cards from my customers?
    By accepting major credit cards you can increase your credibility, customer convenience, and best of all, your sales. Statistics say accepting credit cards can increase sales by 30 to 100% !

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    How do I apply for a merchant account?
    Simply, fill out our online application and submit the requested information. Its that easy!

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    How long will it take for my application to be processed?
    In five working days your company will be able to accept credit cards from your customers. Our processing department specializes in expediting your application so you can immediately start accepting credit cards from your customers. All necessary paperwork will be sent next day via FedEx, and a next day scheduled prepaid pickup for fast return of all documentation.

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    What credit cards will my business be able to accept?
    We will apply for your business to accept all 5 major credit cards: Visa, Mastercard, American Express, Discover and Diners Club. A separate application is required for American Express, Discover and Diner's Club.

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    What type of equipment should my business use to process credit cards and checks?
    We offer your business multiple options for processing credit card and check orders:
  • Secure, real-time credit card and check processing for your website
  • Merchant Master Software for PC's
  • Macintosh and DOS for your Mail/Phone order business
  • Swipe terminals and supplies for retail merchants
We have the software or terminals(s) your business will require at competitive lease and purchase prices.

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Will my business be able to purchase or lease the software and/or equipment I need?
Yes, we offer both options leasing or purchasing options to your business. We offer a lifetime warranty on credit card processing equipment and software with a 24 hour replacement policy while your processing with us. We offer free immediate upgrades to our secure online processing program, to always make sure you are always processing credit cards and other non-cash transactions with state-of-the-art technology.

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Will my business receive a statement on the transactions processed?
As a merchant you will receive a comprehensive statement detailing your credit card transactions. This also comes with 24-hour customer service to assist you with all merchant account related questions.

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How will my business receive payment for each transaction?
Once the transaction has been approved your customer's charges are deposited directly from our credit card processor to your bank account. Transaction deposits range from 24-72 hours from the date of the transaction.

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How is the lease payment determined?
The lease payment is based on the type of credit card terminal, printer, or software you choose and the number of months you select, i.e., 12, 24, 36, or 48 months. Leasing is an attractive alternative when you want to preserve working capital, have a tax deductible business expense, and a low down payment. At the end of lease you may continue month-to-month, buy-out the lease at fair market value, or terminate the lease.

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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.

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What is Address Verification Service?
AVS is a service that is built into the authorization process to help prevent fraudulent transactions. The numerical portion of a consumer's address is sent along with the transaction data and is matched against the address that is registered with the consumer's credit card from their issuer's bank. A response code is sent back with the approval (or decline) message that indicates a match or not. Currently, a match or mismatch is simply reported back to the merchant and does NOT result in a transaction decline. The merchant then has the option to contact their customer to confirm the correct address before they ship any goods.

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