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Learn about Payment Processing

Merchant Services Overview


If you are not familiar with merchant services, this page will give you a basic understanding of what is involved.


Merchant Account is Required

The merchant account is the at the heart of all forms of electronic payments.  It is a special account that allows your business to accept various forms of electronic payments.

When setting up your merchant account it's very important to make sure your business gets setup properly.  This allows you to take advantage of the newer processing options, and optimize your processing cost.

We remove the guesswork and provide complete business solutions for your type of business.


Multiple Merchant Accounts

It is not uncommon for businesses to have multiple merchant accounts.  Sometimes it is necessary.  For example, if you operated in a brick-and-mortar - more commonly called a retail - environment, and also have an ecommerce website.  This helps make sure you receive the best rates for your type of processing.

We provide your business with extra discounts when you require multiple merchant accounts.


Supported Payment Types

Most merchant accounts can support the following payment types.  Your provider should be able to offer one or more of the following payment types:


We offer all of these electronic payment options with our accounts.


Processing Payments

In order to accept payments you require a way to connect to your merchant account and send your sales transactions.  This is done in one or more of following ways:


Each method has its own benefits.  It really depends on your business and which better satisfies your needs.  Our Payment Specialist can help determine which fits your processing needs.


Processing Fees

When setting up a merchant account, the fee structure and processing fees are based on a number different factors.  Processing fees are industry standard, though your processing rates and monthly service fees vary based on the following:

  • Types of products or services you sell.
  • Who are your customer - consumers or other businesses.
  • Where your sales take place - Face-to-face at your location or client's location; or non-face-to-face.
  • How you input payment information - swiped or keyed.

We provide your business with an easy to understand processing quote based on your specific needs.