Merchant Accounts

The first step towards accepting credit and debit cards for your business is getting approval for a merchant account. A merchant account recognizes you as a merchant that can accept credit and Debit cards as a form of payment from your customers.

Once approved for a merchant account, funds, are debited from your customers credit card account and deposited electronically into your local business checking account.

Auto Approval -- Reduced Paperwork

If you're a Mail Order, Telephone Order or Internet Business, and you fit the profile listed in our Auto Approval Guidelines, you can significantly speed up your application process. With a reduced amount of paperwork to complete, you can be accepting credit cards immediately.

Retail and Restaurant

For retail businesses accepting credit cards has become a necessity. Consumers expect to be able to pay for goods on their credit cards and often don’t carry enough cash to make most large purchases. Merchant Warehouse can help your business get started accepting credit cards for less money than you ever thought possible. Whether you are a small antique shop or a large grocery store with 20 check-out lanes, we have the right solution for your business.

Telephone and Mail Order

For mail order and telephone businesses, accepting credit cards is the most efficient way to collect payments without the customer being present. New credit card processing options are available to mail order and telephone order merchants that make it easy to accept payments in the 'card not present' environment. Merchant Warehouse has the solution that’s right for your business.

Internet / Web Site Sales

For Internet store owners it is a necessity that they accept credit card payments online. With the help of a credit card payment gateway, Internet store owners can now allow their customers to purchases goods with the click of the mouse at any time of day or night. Merchant Warehouse can provide you with the tools to start accepting credit cards on your Internet site no matter how small or how large of a Web site you have.

Mobile Businesses

For years, mobile businesses were limited in their payment options to either cash or check. Today's merchants now have access to the same credit card authorization networks as retail businesses. New technology makes it easier to obtain authorizations from remote locations than ever before. In most cases wireless transactions are even faster than traditional land line transactions. Dedicated networks have been developed for wireless devices of all types that can transmit and receive data faster than most cell phone networks.

Merchant Warehouse has a complete line of wireless solutions for the business on the go. Whether you own a small pizza delivery shop or a large concert vending service Merchant Warehouse has a solution for your business.

Merchant Account Rates & Fees

Merchants are responsible for paying the following rates and fees for their merchant accounts:

Definition of Terms

• Retail - More than 90% of your transactions are done face-to-face and your customer's credit card is swiped through a retail terminal device.
• MOTO - Mail order or telephone order, non face-to-face transactions. In this scenario, you receive your customers' orders and credit card information either through the phone, fax, or email. You manually enter the customers' credit card and billing information into a standard retail type terminal or into PC or MAC based credit card processing software.
• Internet - Transactions are conducted thru the Internet via the use of an online Virtual Terminal. These transactions can be initiated by your customers through a shopping cart on your website, or you can enter your customers information directly through the secure Virtual Terminal.