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Getting Started
Take advantage of low-fee debit card and credit card processing with America Merchant. Whether you have recently started a new business or are an established company, click here to apply for a merchant account. After submission of your application, an agent will contact you to with any follow-up questions and to finalize your account request.
 
 
We specialize in placing all types of merchants with credit card processing solutions. Internet, Retail Stores, Card Swipe Offshore and More! Experts in Merchant Bank Processing - Accept Visa, Mastercard, Discover, Amex Today!
 

Find the Best Payment Processing Rates

Whether you are signing up for a merchant account for a new business venture or looking for reduced costs for your established corporation, America Merchant is here to help. We can offer you low transaction fees, and we are always willing to work with you on other prohibitive expenses like annual fees and early termination charges. Succeeding in today's economy takes hard work and dedication, and we want to work with you to help your establishment thrive.

First, let us provide some information about how your lower merchant account fees will be determined. Several factors are considered, including your business history, your personal history, and of course, your industry and risk level associated with that industry.

  • Established Companies: Securing an account for a company that has been doing business for several years, processing customer charge cards without incident, is usually substantially cheaper than obtaining merchant services for a new venture.
  • Good Credit Owners: Since new accounts require a personal guaranty, a merchant with a high personal credit score can expect cheaper prices than one who has a history of bankruptcy or other financial hardship.
  • Lower Risk, Lower fees: Certain industries are high risk because they process Visa and Mastercard sight-unseen. Handling customers' cards over the phone or online presents a challenge when chargebacks occur, since the merchant cannot demonstrate proof that the card was ever in their store. Less risky are brick and mortar shops, grocery stores, restaurants, construction companies, bars, crafters, and seasonal stands.

Regardless of where you fall on the above spectrum, we want to give you the cheapest processing in the industry. We will happily work with you to determine the best way for you to save money on merchant services.

What are Typical Transaction Fees?

Our lowest fees vary depending on the factors listed above. However, we can tell you to expect the following approximate per-transaction fees for Visa, Mastercard, Discover, and American Express:

  • 1.6% for in person businesses like coffee shops, convenience stores, lawyers, handymen, clothing stores, restaurants, doctors and other operations that allow for the swiping of client credit cards.
  • 2% for non-card swipe internet merchants and over-the-phone processing.
  • 3% for rewards cards transactions.
  • Additionally, a flat $.25 per charge rate is assessed on all cards. Businesses can, however, save a lot of money by encouraging their customers to pay using a debit card and pin pad in order to get the best fees. While a pin pad may be just one more piece of equipment to rent or buy, it can reduce costs in the long run since debit transactions aren't subject to the same percentage listed above.

    Best of all, America Merchant is very willing to waive unnecessary charges for early termination or annual fees. A no annual fee merchant account is a terrific option for small or seasonal businesses, and termination fees tend to be unnecessarily punitive for companies struggling to establish themselves and stay afloat in a challenging economy. Other fees can be waived as appropriate, so don't hesitate to contact us to determine your best quote.

 

Getting Started Steps

Complete and submit application
  • Begin by filling out the application.
  • All business types – domestic or offshore, low-risk or high-risk, retail, internet, or wireless – are eligible to apply.
  • Wait approximately 1-2 business days for staff to review application
Staff review
  • This step of the process includes review of information you've submitted through the application.
  • Your information will be used to determine which merchant bank is the best fit for you and your business.
  • Ensure that you have proper identification when contacted, as staff may require further information from you in order to move forward with the approval process.
Approval Process/Account Setup
  • Your application and documentation will be reviewed by bank underwriters.
  • Your internet terminal will be setup.
  • You're all set! You may begin accepting debit and credit card transaction