Merchant Account processing services - If you are looking for the right and reliable payment processor to provide you with discounted rates to accept Visa credit cards, Master Card and ACH Echeck online hight risk merchant account - look no further.

Frequently Asked Questions

1. When do I get paid?

·       It depends on what type of product or services you are offering. If category of your product follows under low risk processing category- you will be getting paid instantly and if it is high risk – normally you get paid weekly with 1-2 weeks hold.

2. What credit cards processing do you offer?

·        It also depends on products or services you offer, normally we offer visa and master card credit card processing for instant online sales

3. How much does it cost to get high risk or low risk merchant account to accept visa and master card online?

·       Normally our rate ranges from 2.25% to 10%, depending on the risk factors and products and services

4. Is there any rolling reserves?

·       Yes, there always possibility of 180 day rolling reserves and rolling reserve percent rate depends on the processing volume you can offer, chargeback’s history and products or services you are offering. Normally rolling reserve is about 5%-10% and you will start getting 1^stmonths reserves on the 7^th month, 2^nd month on the 8^thmonth and so on.

5. Do you accept both non-product and product merchants?

·       Yes we accept both and in many cases our clients have both electronic delivery of services and physical product delivery by mail

6. Can I get notification of chargeback’s?

·       In many cases we can email you when chargeback’s has been processed

7. Are there volume limits?

·       Not at this time, upon approval, you will get unlimited volume merchant account and unless you will have large amount of chargeback’s there will be no limits.

8. What is chargeback?

·       A chargeback is a refund (forced refund) from merchant customer's credit card issuing bank. It occurs when a card owner decides to dispute a credit card charge, often because of someone fraudulently used that card number. According to credit card association’s rules, high risk Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet. The amount of high risk credit card fraud highly depends on your business nature. To reduce chargeback’s, try to collect as much information as possible from your customer, and perform a phone order confirmation. If the order is found to be valid, then proceed with the order. A chargeback fee is a penalty fee that passes on to the merchant.

9. What is rolling reserve or holdback?

·       It’s a percentage of the total transaction amount that is used to prevent problems; losses associated with merchants fraudulent activities. Typically holdback is around 5%-10% for 180 days and once 180 days has expired, funds will be released back to merchants account.