Merchant Account


Find out more about our merchant accounts and credit card processing services.
Process transactions faster with multi-functional Credit Card Terminals.
Frequently asked questions about merchant processing
Our rates and pricing for merchant packages.
The Benefits of having a credit card merchant account.
Process Credit Cards over your Cellular Phone!
Electronic Check Conversion
Process credit card transactions in real time, on the web
Recurring Billing - ACH allows you to bill and collect from customers quickly and automatically!
Process credit card transactions wherever you have Internet access!
Process credit card transactions from anywhere in the US!

We provide merchant accounts for retail, Internet and mail order businesses.
(Ensuring the customer is fully informed has been a cornerstone of our business since 1986. In that regard, the following is a complete description of what a merchant account is and what it can provide for your business. For more information, we recommend you contact us, or check out our Frequently Asked Questions.)

A Merchant Account is a bank account in which funds are collected by a bank from credit card purchasers and disbursed to the merchant holder. Because banks define a Merchant Accounts similar to that of a loan, they underwrite the issuance of a Merchant Account in a similar manner, requiring an application, supporting documentation like tax returns, acceptable products/services and good credit. Non-bank institutions tend to be more liberal in issuing Merchant Accounts, requiring only name, address, company registration and Identification. Merchant Account Associates works with both kinds of companies to ensure you receive the best deal available.

Typical merchant account charges include a percentage of each sale (1.5-5%) and a smaller transaction fee (25¢-50¢) for each purchase. Despite some providers' claims to the contrary, these fees are almost always initiated.

The processor acts as an intermediary between the purchaser and merchant, receiving the purchase request from the purchaser, verifying funds available in the purchaser's credit-card account, transferring the funds to the merchant's Merchant Account, and confirming the successful transaction to both the purchaser and merchant.

Beware of "No Fee" Claims
Beware of providers who trumpet no "application fee" or any other specifically-named fee. Start-up fees are usually hidden by such providers and are typically not discovered until after the agreement is signed.

A Recent Addition To The Business
An Online Payment Service is not specifically a merchant bank or processor, but it performs virtually the same services of both, accepting credit card funds from purchasers and disbursing those funds to merchants.

The main issue with Online Payment Services (or Full E-commerce providers, as they often call themselves) is that their fees are often exorbitantly high (between 10-30%). This way, they can afford to accept good as well as bad merchants, write off losses from the bad, and still maintain extremely high profit margins.

Online Payment Services also protect themselves against 'bad merchants' by limiting the monthly processing amount This is a very important consideration because once the monthly maximum is reached, sales will be lost because the processor will simply stop processing orders.

Before you make a merchant account and credit card processing decision, we recommend you contact us, via our quick contact form.



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