Frequently Asked Questions
Can I be approved for a merchant account if I have bad credit or no credit?
Yes! We have one of the highest approval rates in the industry, even for people with bad credit or no credit. Our policy is that we do not decline merchants for bad credit if they process under $1,000,000 annually. Our merchant account application has no setup charges or application fees. You have nothing to lose by applying today.
Can I be approved for a merchant account if I am just opening my business?
Yes. We specialize in setting up start up businesses to accept credit cards.
What is included with my Internet merchant account?
You will be setup with a merchant account
You will receive a gateway
You will get a virtual terminal to process credit cards manually
Integrates with most shopping carts for accepting credit cards on your website
Do I need a shopping cart for my Internet merchant account?
While most merchants use a shopping you don’t have to have one. You will receive HTML scripts that you can use to pass your customer’s credit card processing information to our online payment gateway. However, merchants that have more than a couple of products usually find it easier to use a shopping cart as our gateways are compatible with almost all gateways.
How long does it take for my credit card processing transactions to get funded?
If you batch out prior to 7:00 PM EST your transactions are funded usually within one business day.
What if I need help?
We have a toll free 800-number where we have employed over 200 customer service representatives to assist you 24 hours a day, 7 days a week… in more than 140 languages and dialects! We also have a website that allows merchants to view their deposits, transactions and other valuable information 24 hours a day.
Will I know how to use the credit card terminal?
Once you receive your credit card terminal you will receive a quick reference guide that shows you how to operate the terminal. In addition, we provide a toll free customer support number you can call 24 hours a day, 7 days a week, so you can get help at any time.
How long does it take before I can accept credit cards?
Accounts that are auto approved can process the next day.
How does the Internet merchant account integrate with my Website?
To manually process credit cards you do not need to do any integration. You log on to a secure website and process the credit card transaction using your virtual terminal. In addition, to enable you to accept credit cards from your customers on your website you enter the information we give you to your shopping cart. Your customers will then be able to make purchases from your site 24 hours a day. When a purchases is made, both you and the customer receive an email detailing the transaction.
What is Instamerchant, LLC's return policy?
Instamerchant, LLC accepts returns provided the conditions below.
We will accept returns within 20 days of the shipping date. The product must be received by Instamerchant within 20 days of the shipping date.
Software and set up fees are non-refundable.
Although defective credit card machines are returnable, the credit card machine must not be damaged.
Credit card equipment must be returned in the original package. All parts, manuals, and cords must be included.
*IMPORTANT* Your merchant account is bound by the terms and conditions of the merchant agreement and is not subject to the return policy.
What do I need to fill out the application for a merchant account?
Business must be located inside the United States.
Federal Tax ID# (for corporations only)
Checking account number and routing numbers on your check (so we know where to deposit your money)
Must be 18 years old to apply for a merchant account.