The process is simple:

• We review your current merchant account statements and provide you a detailed comprehensive proposal for you to review. If you don’t have statements because your business has never accepted credit cards, we will send you a mock proposal showing you the rates and fees.
• We require a copy of a voided business check or bank letter so the merchant service funds can be deposited into your account.
• We send a one page worksheet to ask questions about the business and the 51% owner(s). Once we have received the completed worksheet, we will send you the formal application ready to be signed with all the proposed rates and fees.
• The formal application requires signatures:
  
  1. Merchant Representations and Certifications
  2. Personal Guarantee or we will also accept the previous years’ tax returns or CPA copy of a P&L and a signature will not be required on the personal guarantee line.
  3. Conformation page.
• We will submit all the documents to the underwriter to review and we should have you approved in as short as one day, up to a few short days depending on the type of account.

EMV is an acronym that stands for EuroCard MasterCard Visa. EMV cards are microchip credit cards that are more secure due to the extra data stored in the microchip. To complete a transaction with these new cards, they need to be dipped into the slot of an EMV credit card machine or device. These new cards are important because they offer better protection for the card holder.

As of 2009, the federal government has made PCI Compliance a requirement for merchants due to the alarming number of attacks stealing credit card information through cyber hacking.

PCI Compliance has two parts:

• 1. A security questionnaire that needs to be filled out online by the merchant annually.
• 2. Security scan will be completed on your companies network every quarter.

Yes, we can reprogram your existing equipment at no fee. If you need to upgrade or need a new machine, we offer a variety of machines to purchase at wholesale on the Equipment Pricing Page. 

No, there are no fees to switch and no application fees to get set up with us.