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Key Features of our Merchant Accounts

• No startup costs
• Very competitive rates
• No long term commitment
• Exceptional customer service
• The best technology and security

Your customers will be able to pay you directly from your website. You'll also be able to process, instantly authorize, and manage credit card transactions from any internet connected computer using the Authorize.net Virtual Terminal. Your money will be directly deposited into your checking account! FREE Internet Merchant Account Setup – Enables you to accept all major credit cards including Mastercard, VISA, AMEX, and Discover. FREE Authorize.net Payment Gateway Setup FREE Virtual Terminal Setup – An online terminal to process, view, and manage all of your transaction activities.

We provide FREE Merchant Account Setup and all terminals are $50 below our cost. Our all-in-one terminals support all major payment types and allow you to process securely and efficiently. Already own a terminal?  We can work with almost any type of POS equipment. So, if you already have a credit card terminal, we can simply reprogram it to work with your new merchant account. Setup is Quick, Simple, and FREE!

How Credit Card Processing Works

1. The merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure Web site connection, retail store, MOTO center or wireless device.
2. Authorize.Net receives the secure transaction information and passes it via a secure connection to the Merchant Bank’s Processor.
3. The Merchant Bank’s Processor submits the transaction to the Credit Card Network (a system of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).
4. The Credit Card Network routes the transaction to the Customer’s Credit Card Issuing Bank.
5. The Customer’s Credit Card Issuing Bank approves or declines the transaction based on the customer’s available funds and passes the transaction results back to the Credit Card Network.
6. The Credit Card Network relays the transaction results to the Merchant Bank’s Processor.
7. The Merchant Bank’s Processor relays the transaction results to Authorize.Net.
8. Authorize.Net stores the transaction results and sends them to the customer and/or the merchant. This step completes the authorization process – all in about three seconds or less!
9. The Customer’s Credit Card Issuing Bank sends the appropriate funds for the transaction to the Credit Card Network, which passes the funds to the Merchant’s Bank. The bank then deposits the funds into the merchant’s bank account. This step is known as the settlement process and typically the transaction funds are deposited into your primary bank account within two to four business days.

The Absolute Reliability of Authorize.Net

Let's face it -- when you are talking about something as vital as credit card processing, it just makes sense to choose the right partners. Our expert Vendor Analysts have gone deep into dozens of vendors -- in order to find the right transaction processing partner -- Authorize.net.

More than 230,000 merchants trust Authorize.Net to manage their transactions, help prevent fraud, and grow their business.

Security of Customer Information

Authorize.Net is committed to safeguarding customer information and combating fraud.  To accomplish this, Authorize.Net dedicates significant resources toward a strong infrastructure, and adheres to both strict internal security policies and industry security initiatives.

Authorize.Net utilizes industry-leading technologies and protocols, such as 128-bit Secure Sockets Layer (SSL) and we are compliant with a number of government and industry security initiatives.  These include:
 

• Payment Card Industry Data Security Standard
• Sarbanes-Oxley Act
• The Statement on Auditing Standards No. 70 (SAS 70)

Authorize.Net and its parent company CyberSource validate security measures against applicable sections of numerous federal and state laws—HIPAA, GLBA, California Senate Bill 1386 (SB1386), and many others.

Frequently Asked Questions

How do I apply?

Click here to Apply Now. Your application can be completed online and ready for review in minutes.

How long before I can start accepting credit cards?

The approval process usually takes just 1-2 days. We will supply you with everything you need to get started immediately upon approval.

When do I receive my money?

You will be running transactions in real-time. This means your sales are approved within seconds! Your money will be directly deposited into your checking account within just 48-72 hours!

Can I have my money deposited into any checking account?

All of your money will be deposited into a personal checking account of your choice. Checking accounts will only need to be in the name of business if you are Incorporated, or a Non-Profit.

Do you have long term contracts?

There are NO LONG TERM CONTRACTS and no penalties for canceling. (It is the industry standard to pay Early Termination Fees that can range anywhere from hundreds to thousands of dollars! Don’t be fooled with offers of a low discount rate only to incur hefty charges later.)

What is a Discount Rate?

Your discount Rate is the amount charged to a merchant by the bank for handling a transaction. It is a percentage of the total transaction amount.

What happens after I fill out the Application?

Once you apply and your application is reviewed and approved, we provide you with everything you need to get started. Internet merchants will receive Login information for Authorize.net. This information will grant you access to your own online terminal and the gateway information needed for your website. Retail merchants will receive a credit card terminal that has been programmed with your account information. So you will be ready to go!

What if I have a low credit score?

While credit is a factor in determining approval, It is not the only factor. We have a 99% approval rate. Click here to Apply Now and let us work with you towards your approval today!

What if my business is located outside of the United States?

In order to apply for a merchant account through us, you will need to have a business that is located inside the United States. Applicants must provide a US mailing address; a US issued Social Security Number, and have a US checking account.

Complete our Easy Application Today!

Our prices are among the best in the industry. Click the Apply button below ... and you'll be accepting credit cards soon!

	2.1% Discount Fee .20 Transaction Fee $10 Statement Fee $10 Gateway Fee Free Setup No Long Term Contracts Lowest Rates Available Fast Approval
	1.65% Discount Fee .20 Transaction Fee $10 Statement Fee Free Setup No Long Term Contracts Lowest Rates Available Fast Approval