Merchant Accounts Simplified
Payment Processing
Solutions FOR BUSINESS
We provide affordable, trusted credit card and payment processing solutions to businesses of all size and types, including high risk. We specialize in enterprise-level solutions, hard-to-place businesses and local small businesses needing the best rates and service.
*Rates are quoted as % above card brands interchange costs, dues, fees, and assessments.
Are You a High Risk Business?
Get a Free Risk Profile Review and No Obligation Payment Processing Quote
*Any rates are quoted as % above card brands interchange costs, dues, fees, and assessments.
eCommerce
Our Merchant Accounts for eCommerce have the lowest rates and are targeted specifically to your online business. We have solutions for high-risk and will ensure full, seamless integration into your web environment. Kiss SquareUp goodbye.
Small Business
Whether you’re a local retail, food truck or pop-up, our lowest rates and industry-specific merchant accounts will allow you to accept credit cards and put more money in your pocket. Our Mobile Payment options are ideal for you.
Commercial Accounts
Hotels, franchises and national retailers need specialized attention and highly detailed, cost-saving merchant account solutions. Our expert agents will manage your account with the greatest care.
High Risk
We specialize in High Risk Merchant Accounts for adult, travel, tech support, supplements, nutra and more. Our solutions are vetted, trusted, reliable and our agents know the high risk space inside out. Not sure if you’re high risk? Click here!
Repair Services
Allowing your home repair or auto repair customers to use credit cards gives them a sense of security, plus they get to add points or miles to their account which makes them feel better about a large ticket purchase. But you’ll need a low-cost merchant account to compensate for the loss in revenue.
Legal Services
Merchant accounts for lawyers allow you to abide by the regulations of a IOLTA account, but also to get paid by credit card quickly and easily. You need a payment processor that understands the nuances of your industry to ensure funds are collected and managed in accordance with best practices and legal requirements. Learn more.
Dental Office
Merchant accounts for dentists allow you to take credit card payments for dental services. With the high price of care, patients often require the use of cards, and payment at the time of service prevents billing issues. But with so much of your business being paid by cards, you need the lowest rates and a trusted payment processor.
Salons and Service Providers
From personal service businesses, such as salons, to business services such as accounting, your small business needs reliable payment processing at the lowest rates. If you have multiple locations or accept payments online, you’ll need to ensure your solution works seamlessly across all verticals.
eCommerce
It may be easy to sign up for Square but you’ll be paying high rates and be subject to their restrictive terms and conditions, which also prevent high risk eCommerce like supplements. A merchant account specific to your products and services will lower your processing rates while integrating directly into your online store, regardless of what software or system you’re using.
Retail and Popups
Today’s retail environment requires modern payment processing – contactless payments, mobile payments, and low rates to help you meet your bottom line. And now with many brick and mortar stores selling or migrating to eCommerce you need a seamless solution that will work with your POS and website. Our specialists will ensure full integration and the lowest rates.
Restricted Content or Regulated Products
If you sell supplements, tobacco, vape, run a head shop, or are involved in age-restricted eCommerce such as adult entertainment or gambling, you’ll no doubt need specialized payment processing. Low-quality merchant accounts abound – work with us and our CPP-certified payment professionals will ensure you receive the best rates and legitimate ways to accept credit cards.
History of Chargebacks
You’ll likely find yourself in the high-risk category if you’ve had a history of high chargebacks even if your products are “vanilla.” Underwriters will assess your processing history and even a rate of 1% could be grounds to put you in a high-risk merchant account. Take advantage of our training documents to learn more about preventing and managing chargebacks.
Poor Personal or Business History
If you have a history of bad business and financial dealings, or if you have poor credit, you may find yourself in a high-risk merchant account. This is because underwriters will see a greater liability in working with you. However, our CPP-certified agents specialize in high risk payment processing and will evaluate your situation and find a solution that fits.
What Makes a High Risk Merchant?
Mobile Payments
Mobile payments allow your business to accept credit cards independent of any single location. These “payments on the go” enable a a change or expansion of your businesses as markets shift radically due to Coronavirus. Your retail location may need to start taking credit cards at popups, or your restaurant may need to transition to a food truck. You may also start to do more deliveries which can require drivers to take payments by credit card. Customers are happiest paying on their own terms and at their convenience; by enabling mobile payments you’ll meet them out there where the money is and get paid on the spot.
Contactless Payments – NFC
Nothing seems more important in a Covid-19 world than minimizing “touch” – and that includes getting paid by your customers. Staying safe means reducing cash transactions and enabling touch-free methods of payment. Widespread in Europe, Contactless payments are becoming more common as NFC chip technology is adopted and customers look for ways to stay safe – and that includes not having to touch a pin-pad. To learn more about Contactless Payments, click here.
Cashless ATM
Cashless ATM allows customers to pay using their debit card while bypassing the traditional interchange network and allowing you to to mark up the transaction and keep the profit, or enable cash-back for your customers, which they love. In fact Cashless ATM increases sales and keeps profits in your account. They’re especially helpful for dispensary payment systems. Click here to learn more about Point of Banking/Cashless ATM.
Is Your Business Changing With The Times?
Payment Processing News and Education
Our Broker Qualifications
- A minimum of one to three years experience in the payments industry;
- Been recommended by a supervisor or manager from a company in the payments industry;
- Completed and passed a rigorous examination developed by industry experts and conducted by an independent testing firm that is not affiliated with any entity in the payments industry;
- Agreed to abide by the Electronic Transaction Association’s Code of Conduct; and
- Agreed to pursue continuing education credits as a requirement of recertification every three years.
Knowledge and Service
By obtaining your payments processing solution from an ETA CPP, you can be sure that your representative is knowledgeable about the products and services he recommends and has the expertise to recommend the best and most appropriate solution for your business.
We’ll ensure your merchant account is the perfect match at the lowest payment processing rates.
We’re Certified
Yes, all agents and brokers in the Bankcard family are ETA CPP certified. This ensures that every contact you have with us will be with a trusted partner in your success. Our agents are recognized as the leaders in the industry and known for their dedication to each client.
How to Apply for a Merchant Account
3 Easy Steps!
Step-1
We’ll provide you the basic documentation required to evaluate your needs and the best solutions. We’ll talk with you to get a hands-on feel for your business.
Step-2
We will evaluate your business history and processing requirements and take a step closer to getting you live and taking credit cards by comparing your needs with our solutions.
Step-3
Once your account is approved, we’ll make sure you have the right equipment (if required), and that your system is fully functional and integrated into your business.
Testimonials