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There are so many Credit Card Processors in the world of credit card
processing and merchant accounts. Information is key and we here at InfoMerchant like to provide the public about things to look for when accepting credit cards. There are different directions the merchant has to be aware of and being able to explain this to the processing company will help you become confident in your decision.
These are a few things to look for when applying for a Merchant Account.
1. Real time Solution Price
2. Gateway Fee Costs
3. Statement Fees
4. Monthly Minimums
5. Discount Rates
6. Transaction Fees/Discount Rates
7. Tech Support Fees
8. 24/7 Customer Service
9. Credit Card Terminal Costs
|
| Merchant
Account Provider |
Real-Time
Solution Price |
Gateway
Fee |
Statement
Fee |
Monthly
Minimum |
Discount
Rate |
Transaction
Fee |
Tech.
Support
Fee |
Fasttransact
(Our Choice) |
$0.00
(if u have a
terminal) |
$29.95
premier gateway |
$9.95 |
$15.00 |
1.55%
on up |
$0.28 |
$0.00 |
|
ECHO-Inc. |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
| Total Merchant
Services |
$299 |
$10/month |
$10/month |
$25/month |
2.40% |
$0.35 |
Fee not disclosed |
| Charge.com Merchant
Services |
$195 |
$15/month |
$10/month |
$25/month |
2.35% |
$0.30 |
$0/month |
CardService
Intl.
CardNetCo |
$499 |
$30/month |
$10/month |
$15/month |
2.35% |
$0.25 |
$0/month |
Discover
Merchant
Services |
$49.95
Reseller of First data |
$19.95/month
Authorize.net or Verisign |
$5.00/month |
Fee
not disclosed |
2.31% + 1.25
Intl. |
$0.13 (Rates
vary) +Interchange |
Fee not disclosed
$12 chargeback fee |
| Merchant Accounts
Express |
$179 |
$14.95/month |
$9.95/month |
$25/month |
2.29% |
$0.30 |
Fee not disclosed |
| Her
Merchant Account |
$169 |
$10/month |
Fee
not disclosed |
Fee
not disclosed |
2.19% (Rates vary) |
$0.23 |
Fee
not disclosed |
| Costco Merchant
Services |
$174.99
w/cart |
Reseller for
Nova (Call
for Quote) |
$5.95 |
Reseller of Nova (Call
for Quote) |
2.01% (Rates vary) |
$0.38 |
$9.99 (Shopping Cart
Fee) |
| Nova
Information Services |
$394 |
$0/month |
$6/month |
$30/month |
2.17% (Rates vary) |
$0.30 |
$10/month |
| Verisign Pay Flow Pro |
$249 (Limit
1000 transactions then 10 cents per) |
Fee not disclosed |
Fee not disclosed |
Fee not disclosed |
Fee not disclosed |
Fee not disclosed |
$59.95/mo |
| Wells
Fargo |
$99 |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
2.35% |
$0.30 |
$39/month |
| Online Data Corp |
Fee not disclosed |
$19.95/month |
$10/month |
$25/month |
2.29% |
$0.30 |
Fee not disclosed |
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|
| 1st American Card
Service |
$359 |
Fee not disclosed |
$9/month |
$20/month |
2.30% |
$0.30 |
$0/month |
| Jaguar
PC |
Fee
not disclosed |
$10/month |
$10/month |
Fee
not disclosed |
2.29% |
$0.35 |
Fee
not disclosed |
| Bank Card Solutions |
$345 |
$20/month |
$10/month |
Fee not disclosed |
1.99% (Rates vary) |
$0.35 |
Fee not disclosed ($25
annual fee) |
|
EZ Merchant Accounts |
$149 |
$15/month |
$5/month |
$25/month |
2.25% (Rates vary) |
$0.30 |
Fee not disclosed |
| WorldPay |
$399 |
Fee not disclosed |
Fee not disclosed |
$50/month |
3.25% (Rates vary) |
$0.40 |
$50/month |
|
Global Payments |
Fee not disclosed |
Fee not disclosed |
Fee not disclosed |
$15/month |
2.29% |
$0.30 |
$49.95/month
+ $15 chargeback fee |
| DPI
Merchant Services |
$50 |
$29.95/month |
$10/month |
Fee not disclosed |
2.35% |
$0.30 |
Fee not disclosed |
| AIS
Media |
$595 |
$15/month |
$10/month |
$25/month |
2.29% |
$0.30 |
Fee not disclosed |
| Associated Merchant Services |
Fee not disclosed |
$15/month |
$10/month |
$10/month |
2.28% (Rates vary) |
$0.45 |
Fee not disclosed
Annual fee $29 |
| IPaySecure |
$295.95 |
$49.95/mo
Cart incl. |
$10/month |
$0/month |
2.25% (Rates vary) |
$0.30 |
Fee not disclosed |
| Unified
Merchant Services |
$49.95 |
Fee not disclosed |
$10/month |
Fee not disclosed |
2.39% |
$0.29 |
Fee not disclosed |
| Priority
Merchant Services |
$150-498 |
$19/month |
$10/month |
$10/month |
2.25 -
2.85% |
$0.30
$25 Chargebk |
Fee not disclosed.
Annual fee $29 |
| Merchant-
Systems IPayment |
Fee not disclosed |
$15/month |
$10-12/mo |
$10/month |
2.47% |
$0.30 |
Fee not disclosed. |
| Planet
Payment (NetResult) |
$175 |
$25/month |
Fee not disclosed. |
Fee not disclosed. |
2.95% |
$0.35 |
Fee not disclosed. |
Authorize.Net Resellers
Typical Charges |
$300-600
+App Fee |
$25/month |
$10/month |
$25/month |
2.50% |
$0.35 |
Annual Fee
sometimes applies. |
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| PayPal* |
None |
None |
None |
None |
2.90% |
$0.30 |
None |
|
2Checkout* |
$49 |
None |
None |
None |
5.05% |
$0.45 |
None |
| I-Bill* |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
Fee
not disclosed |
15% |
Fee
not disclosed |
Fee
not disclosed |
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*Not a true merchant account.
You process under their merchant account and not your own. |
|
Active Update: October 10, 2002 |
Note: To
have your company added to this chart please contact: steven@infomerchant.net
Note: There are many resellers for the companies listed above with
additional charges. Tips
DISCLAIMER:
Rates displayed have been compiled by either calling and asking, or by
looking on these companies' web sites. Although we have made every
effort to ensure that these figures are accurate, we do not warrant
their accuracy. Some of these Banks, Processors and/or Agents may be
able to offer lower rates than were quoted to us. |
ALL major credit & bank cards accepted along with checks 
