Q. What types of merchants do you NOTaccept?

A. Adult Internet, Internet Gambling, Escort Services, Airlines, Illegal Activities of any kind, Collection Agencies (if written off Debt)

Q. What credit card types may I accept?

A. You will automatically be set up to process VISA® and MasterCard® transactions. To accept American Express®, Discover, and Diner's Club®, simply click on those card types on your application.

Q. How long will it take me to complete the online application?

A. We've designed our short online application with your busy schedule in mind. But before you begin, you will need to gather necessary information. Provided you have all of the information on hand, you can complete the application in 15 minutes.

Q. Am I required to have a physical storefront to process credit cards?

A. This is not a requirement.

Q. Will I need to purchase additional equipment?

A. You will not need any hardware, but you will need one of our real-time gateway systems or PC-Software programs if you do not already have a system in place.

Q. What type of bank account do I need?

A. You will need a business checking account. Your bank must allow this account to be credited and debited via ACH methods.

Q. What happens after my application is approved?

A. After we approve your application, we will send you an email that confirms your approval and contains your assigned Merchant ID number. You will also receive an email explaining your real-time setup (if you are using one of our systems). Note: You or your e-commerce provider will need to perform a small amount of configuration when setting up your real-time processing environment. You will receive a Welcome Packet by mail that explains this process in more detail.

Q. How quickly can I begin processing credit cards once my application is approved?

A. 99% of all merchants are approved with 24 business hours from the time we have your application/agreement. At this point you can begin your e-commerce integration and initiate credit card processing thereafter.

Q. How will I get paid for credit card transactions?

A. Your designated checking account will be credited for Visa/MasterCard transactions within 2 business days of batch submission. All American Express and/or Discover transactions will be deposited by American Express and/or Discover.

Q. Is my application information secure?

A. Yes, your application information is encrypted and secured.

Q. Who will review the information on my application?

A. Our merchant underwriting and activation group will review your application. The information you provide is kept confidential.

Q. Who do I contact if I am having problems with the application?

A. If you are having difficulty with any of the requested application data or are experiencing technical problems while completing the application, please call . Phone representatives are available to assist you Monday - Friday between the hours of 9a.m. and 7p.m. (Eastern Standard Time).