Merchant Account & Credit Card Processing

Pricing Information	Industry Standard	FDIS RATES
Visa®, MasterCard® & Discover®Network Rate*	2.75% +	2.19%
Transaction Fee	.35 - .50 ¢ Each	.25¢ Each
Monthly Global Gateway	$25-$50	$19.95
Monthly Customer Service Fee	$12-$20	$10
Credit Restrictions	Very Strict	Many Approved!
*There is a monthly minimum of $15 total discount rate charged. It's only charged if you don't meet the monthly minimum required. The monthly minimum is the discount rate or $15, whichever is greater each month. For example, you sell $600 in a month. $600 x 2.19% = $13.14. The credit card processing company will charge you $1.86 to meet the monthly minimum.

Mail/Telephone (MOTO) Merchant Account

Our Mail/Telephone Merchant Account is designed for merchants who take their customers credit card information over the phone or receive their information through the mail.  These merchants never physically are able to take their customer's card in order to swipe the card through a machine.

The most cost efficient way for mail/telephone order merchants to accept credit cards is with an internet merchant account. With this account merchants' receive a virtual terminal that enables them to do credit card processing anywhere they have an internet connection. All the merchant has to do is log into our secure site and enter their customer's credit card information. The transaction is then run in real-time for an approval or decline. It is that simple.

By using a virtual terminal merchants can save on up front costs. Many startup businesses are strapped for cash and are looking for ways to save money. Our internet merchant account has no application or setup fees and there is no equipment to buy. The only costs are the monthly costs associated with the merchant account.

With an internet merchant account the discount rate is slightly higher than a retail merchant account due to the increased risk for fraud that is incurred by the credit card processing company. Whenever the card is not present when a transaction is being processed there is greater risk that the transaction can be charged back or even fraudulent.

Even with the low cost of an internet merchant account, some mail and telephone order merchants will still want to purchase a credit card machine to do their credit card processing. If that is the case, please call us and we will be happy to give you the pricing you require. The pricing in the grid above is for an internet merchant account.