What credit cards can I accept? You can accept Visa, MasterCard, American Express and Discover. We also offer Diner's Club and JCB.
How long does it take to start accepting credit cards? Our online application will only take 5 minutes to complete. Most of our merchants start accepting credit cards in 24 hours.
I have a bad credit rating, is this a problem No. There are no hassles and no strict credit requirements
What is a Discount rate? The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you.
What is a Virtual Terminal? A web-based termial that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser.
When can I expect the money from my sales to appear in my bank account? The money will appear in your bank account within 2 to 3 business days.
Do I receive any training on the equipment? You will be fully trained on all equipment at NO charge.
What is an Address Verification System? An Address Verification System (AVS) verifies that the Address and zip code match the credit card customer.
What is a Transaction Fee? A transaction fee is a per transaction based fee. This is the cost that the processing bank charges to transact each sale. The cost per tranaction is $0.25
What is the Monthly Customer Support Fee Entail? Our customer support is 24 hours a day, 7 days a week, 365 days a week.
What is a secure payment gateway? The secure payment gateway is a secure internet portal that allows you to process credit cards sercurely in real time.
What is a Batch? A batch is a collection of transactions that are processed as a group. You can batch orders for authorization or for capture. Your processing requests may in turn be batched for settlement by banks.
What is a Chargeback? A chargeback is when a customer calls their credit card company disputing a charge because the products/services were not received. If the merchant cannot prove otherwise, then the charge is refunded to the customer at the merchant's expense.
What is a Non Qualified Rate? A transaction will become Non Qualified if you accept foreign credit cards or Corporate cards. The type of transaction will increase the discount rate 1.60%
Merchant Account Offer
National Merchant Bancard is a registered MSP/ISO of HSBC Bank USA, National Association, Buffalo, NY. American Express® and Discover Network® require separate approval. * Restrictions apply and on approved credit. Call (877) 891-8409 for details.
