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.
When are funds transferred to my account?
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?
1.
What is a discount rate?
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.
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2.
What if I have a retail storefront, and need a P.O.S. terminal?
If you have a retail
store where every transaction will be "swiped" then we suggest leasing
or purchasing a Point of Sale Terminal. If every transaction is not
going to be "swiped", then either our PC
Software Program, or Virtual
Terminal / Realtime Link solution most likely is your answer.
Please visit our Equipment Page
for information on our POS Terminals, or contact
us if you would like to discuss alternative Retail / P.O.S. solutions.
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3.
What cards will I be able to accept?
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.[back
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4.
What if my credit is bad?
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.
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5.
When do I get my FREE copy of CheckMAN?
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.
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6.
When are funds transferred to my account?
Depending on your
bank, funds are typically deposited to your account within 48-72 hours
of batch settlement.
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7.
Does it cost extra to accept Discover?
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.
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8.
Does it cost extra to accept American Express?
Not with us.
Other companies charge up to an extra $100 for processing of an American
Express merchant application. With us, it's FREE. Your discount rate will be set by American Express based on your average ticket size, and the method by which you accept credit cards.
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9.
Will I find a better service, or better product?
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.
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10.
What if my application is declined?
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, we will immediately refund your money. Your
copy of CheckMAN is yours Free to Keep even if you were to be declined.
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11.
What if I have other questions?
Please don't hesitate
to contact us. Just click here and you
will find several methods of contacting us.
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