Getting Started
Do I need a Terminal to get started?
For most retail establishments a terminal is the preferred system for credit card acceptance but not always. There are cases when software or even your telephone might be the right choice for your business. You don't have to have a terminal to start accepting credit cards, but a terminal offers some advantages in efficiency and security in most retail scenarios. We can tell you what method is right for your business. If you have questions about alternatives give us a call at 1-800-715-7938. As a general rule, If you have a storefront where your customers can hand you a card which would be swiped through a terminal. That is the ideal situation. You would bet the lowest discount rate which is called retail rate. If you are accepting card payments over the phone you may use a terminal to key in the credit card numbers. You can also use software, which can be a less expensive alternative for small businesses. It is also more efficient for Mail Order and Internet businesses, but you won't claer your transactions at the retail rate. A higher rate is assessed by Visa and MasterCard because of the additioanl risk inherant in transactions that don't occur face to face.Statements

Why did I get extra charges on my previous statement?
There are many charges that are due to interchange rules and regulations from Visa and Mastercard. Some of these can be reduced or alleviated by setting up your account properly. These charges need to be looked at on a case by case basis. You may fax us a copy of your statements and we'll go over them to see if we can help you reduce those additional charges.Fees

Does your company charge a minimum processing fee?
No. Our company does not charge a minimum processing fee. This can save you quite a bit of money when starting up a new business or if you have a seasonal business.