FAQ’s

What kinds of businesses do you accept?
We accept retail, professionals, trade shows, mail order, telephone order, Internet-based, and home-based businesses.

What if I have less than perfect credit?
Our approval rate is 98%, so even if you have bad credit, you are likely to be approved. If you do happen to be declined, we will gladly return the application fee, so you have nothing to lose. Please be aware that you may be asked to provide additional documentation.

What credit cards will I be able to accept?
We set you up so that you can accept MasterCard, Visa and bank ATM debit cards. If you would like to accept American Express and Discover as well, we can add those credit cards to your account upon request.

What is the discount rate?
Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you. All of our fees and rates are listed under each specific terminal.

What is the Address Verification System?
If you sell mail order/telephone order, or through the Internet, you don’t want to send a product to a false address and run the risk of receiving a chargeback. The Address Verification System (AVS) lets you enter the customer’s billing address and compare it to the address on file with their credit card company. If someone uses a stolen card and wants products shipped to a false address, AVS will detect this for you.

Will I receive a statement?
Yes. A statement is mailed or emailed every month with the information regarding deposits into your account, your total sales volume, and the charges for the month.

How will I get my money?
Your money will be deposited directly into your current checking account. All funds are available within 48 hours.

“The show was successful for me, most sales ever and I wouldn’t have made four of them for my high priced items if I hadn’t had the credit card.”

Thank you so much!  The show went well and credit card sales accounted for 1/6 of the total so it was terrific to have that available. Other crafters asked me how I was able to get set-up – I’m sending them to you!

Cheryl