1.  What is a discount rate?

2.  What if I have a retail storefront, and need a P.O.S. terminal?

3.  What cards will I be able to accept?

4.  What if my credit is bad?

5.  When do I get my FREE copy of CheckMAN?

6.  How do I get the money from my credit card sales?

7.  Does it cost extra to accept Discover?

8.  Does it cost extra to accept American Express?

9.  Will I find a better service, or better product?

10.  What if my application is declined?

11.  What if I have other questions?

A discount rate is the percentage of each transaction that you pay to your card processor for processing your credit card sales.  These fees are largely influenced by the percentage that Master Card and Visa charge us.

If you have a retail store where every transaction will be "swiped" then we suggest leasing or purchasing a Point of Sale Terminal.  If the majority of your transactions are not going to be "swiped", then our FREE Authorize.net  Internet Gateway solution is definitely your answer. Please contact us if you would like to discuss alternative Retail / P.O.S. solutions.

With a basic account, you will be able to accept MasterCard, Visa, and American Express.  There are minor additional fees for accepting Discover/Novus cards as well as others.  Please contact us for specific details.
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Very few applications get declined. (And credit (or lack of) is not typically the reason).  If you have terrible credit, your discount rate/fees may be slightly higher, but most likely you will still get approved. About 99% of our applications get approved.

When we mail your "application package" to you, we will include your certificate for your  FREE copy of CheckMAN.  You will be able to download your copy from the internet.  The registration fee on your copy will already be prepaid.

The completed sales from your credit card processing will be batched out daily, and deposited directly into your checking account. The money is deposited electronically in to your local bank... There's no need to open up a new checking account to use our services.

Yes, If you would like to accept Discover, it will cost you basically an extra $50.  We charge you $25, and Discover / Novus will deduct an additional $25 right from your deposit account once it's set up.

Not with us.  Other companies charge up to an extra $100 for processing of an American Express merchant application.  With us, it's FREE.  If you will be processing less than $5,000 annually in American Express sales, they have a special program where you pay only a flat $5 per month. (This breaks down to only 1.2% when processing $5,000 annually)  If you process more than $5,000 annually in AmEx, then you will be assigned a discount rate from AmEx (typically 3.25% - 3.75%)

Probably not.  We stand behind our products and services.  Our prices are some of the most competitive in the country.  Your satisfaction is our number one goal.

Very few applications get declined.  If you have terrible credit, your discount rate/fees may be slightly higher, but most likely you will still get approved.  If you do get declined, your FREE copy of CheckMAN is still yours to keep.

Please don't hesitate to contact us.  Just click here and you will find several methods of contacting us.

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