Frequently Asked Questions

  • What credit cards can I accept?
    You can accept Visa, MasterCard, American Express and Discover. We also offer Diner’s Club and JCB.
  • How long does it take to start accepting credit cards?
    Our online application will only take 5 minutes to complete. Most of our merchants start accepting credit cards in 24 hours.
  • Do you offer free technical support?
    You will be provided with an (800) number to handle any problems or questions.
  • What is a Discount rate?
    The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you.
  • What is a Virtual Terminal?
    A web-based termial that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser.
  • Is check software included?
    Yes. We provide all of our merchant with free check software.
  • When can I expect the money from my sales to appear in my bank account?
    The money will appear in your bank account within 24-72 hours.
  • Do I receive any training on the equipment?
    You will be fully trained on all equipment at NO charge.
  • What is an Address Verification System?
    An Address Verification System (AVS) verifies that the Address and zip code match the credit card customer.
  • How do I collect credit card sales with my merchant account from my ebay auctions?
    We offer an ebay secure compatible checkout solution that collects credit card sales from your winning bidders electronically.
  • Do I have to use your ebay checkout solution to accept credit card sales with your merchant services?
    Not at all! You may use any eBay compatible shopping cart solution. Our merchant services are compatible with all online eBay shopping cart solutions.
  • Can I send emailed invoices to my customers, rather than or in addition to using your services on my website?
    Absolutely! Merchant Inc enables you to accept credit cards both online, as well as via emailed invoicing. Your invoice will contain a “Pay Now” button which will bring your customer to a secure checkout page. Once they complete the payment, you will be instantly notified by email and your funds will be direct-deposited into your checking account within 3 business days. is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA .
American Express® requires separate approval.
* Restrictions apply and on approved credit. Monthly fees may apply.
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