CreditCard Processing

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Frequently Asked Questions

What is a merchant account?
Can I use my friends merchant account to process my transactions?
Do I need a checking account with a certain bank?
When will my credit card processing funds be available?
What kind of customer support should I expect?
What value does your services add to my business?
Do you accept non-U.S. merchants?
Can you really match us with the best merchant service provider?
How long does it take to get a merchant account up and running?


What is a merchant account?

A merchant account is an account that a small business owner has with a bank in order to accept credit and debit card payments from customers. we work with the bank card companies to set up your business account to accept credit cards. Much like a cell phone service- you need the cell phone and the account in order for the phone to work. The merchant account allows you to accept credit cards and handles all the details, processes the transactions, provides approvals/declines of the cards and collects the credit card funds from the customers. How you process credit card transactions will depend on your type of business. There are several options such as an internet based account, standard credit card machine, wireless credit card machines and more. Your sales representative will help you decide the best option for your business.
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Can I use my friends merchant account to process my transactions?

No. This is never a good idea and it is illegal. It can lead to heavy fines for yourself and your friend. In order to protect yourself and your customers it's always best to open your own account.
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Do I need a checking account with a certain bank?

No. Simply let the merchant service company know where your bank account is and your credit card processing funds will be direct deposited into your bank account.
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When will my credit card transaction funds be available?

This can vary between different merchant service providers. You should expect it to take 24 - 48 hours for your credit card transaction funds to be available. Some companies will hold your money for up to 7 days, so make sure to ask any potential merchant service providers. We work with companies that offer next day funding with late cut off times.
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What kind of customer support should I expect?

This can vary from company to company. Most companies offer a 24 hour a day service line. This is included for free with most companies. It's inevitable that you will have questions or concern and it's important to have some one available to assist you. Make sure your merchant service company provides adequate customer service.
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What value does accepting credit cards  add to my business?

Accepting credit card payments is an important part of every business- big or small. When a customers is ready to purchase your products or services make sure you're ready to make the sale. Accepting credit card payments shows customers your a professional company and are ready to get their sales time and time again. We are committed to delivering the latest payment processing technology available. Whether your business is online or on the next block- we're looking for ways to provide the products and services that will save you time and money.
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Do you accept non-U.S. merchants?

Not at this time. Association regulations currently permit us to process transactions only for businesses
domiciled in the United States, and you must have a U.S.-based business checking account to receive payment for transactions. However US based merchants can accept payments from foreign card holders. 
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Can you really match us with the best merchant service provider? free?

YES. Accepting credit card payments is an important part of every business. Finding the best credit card processing company can be a confusing and time consuming task. We've done thousands of hours of research and partnered with a variety of Merchant Service providers to make sure we can provide every small business owner with the best possible deal.
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How long does it take to get a merchant account up and running?

In general it should only take 1 - 2 business days to activate a merchant account. There are many factors that can affect that time frame, so it is always best to allow a week for your merchant account up and running.
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