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Start Your Fast Merchant Account Approval Here!


First Name: Last Name: Email Address: Contact #:

Accept Credit Cards Online, In-Store,
Or With Your Smart Phone


What is a Merchant Account?

Answer all of your merchant account questions here A merchant account provides the ability to process credit cards, debit cards, checks, or any other type of electronic payment. In combination with software and/or hardware, you can process payments using one of First Data's credit card terminals, a mobile swiper, or an online payment gateway. This merchant account is tied to your personal or business bank account where the funds are deposited. This is a very simplified explanation of what happens, but there are many things that happen behind-the-scenes to ensure that every one of your transactions is processed securely and efficiently.

How Long Does It Take?

Once you fill out the merchant account application you can expect us to contact you, most applications get approved in 24-48 hours. A sales representative will call you after the application has been submitted to explain the rest of the process and request any additional info to finalize your application. Weekends and holidays may slightly slow the speed of the application approval. And as always if you have any questions please call toll free at 1-866-999-6632. Click here to get started with your application right now!

What Fees Are Involved?

Every processor has different credit card processing rates, and they vary widely based on each client they are dealing with. Basically, it comes down to a simple equation, the more risk in a transaction, the higher the rate. Along with these transaction fees, many processors charge monthly support, and monthly minimum fees. With Cardservice International(First Data Independent Sales) you will have full transparency and know everything that goes into your rates. Apply now to find out what rates and discounts you are eligible for.

How Do I Prevent Credit Card Identity Theft and Fraud?

Secure your transactions with EMV and First Data Transarmor With all of the security breaches in the news lately, it's hard not to be worried about credit card fraud and security. As one of the worlds largest processors, First Data has a reputation to live up to, and they do. First Data is clearing the path for all other processors to follow with their Transarmor® and EMV programs. With Transarmor®, consumer information is virtually impossible to steal. This is made possible by a unique tokenization process performed on both ends of the transaction. Along with this, First Data is on the front lines to bring EMV to the United States. This standard has been used in Europe for years now and has reduced credit card fraud by a staggering 80%!

Accepting Credit Cards Online

Let’s face it, Ecommerce is here to stay and no matter what type of business you are in, you will eventually want to accept credit cards online. Even small businesses without a shopping website can accept credit cards with our free virtual terminal included with all internet merchant accounts. To accept credit cards online you need a merchant account and a payment gateway. If you’re planning on selling through an online store you will also need an online shopping cart. With our complete online payment solution, you can accept credit cards anywhere you have an internet connection. Every internet merchant account comes complete with our secure payment gateway and user friendly virtual terminal. As an upgrade option, you can add a USB credit card reader to speed up transaction times and minimize data entry.

Choosing A Credit Card Machine

It is important to understand your needs before you decide on which credit card terminal you should get. You need to take into account what sort of data options you have(phone, internet, wi-fi, wireless). Another question is whether or not you need a credit card machine with a check reader. Some terminals can immediately verify whether funds are available or not which eliminates bounced checks. The most important thing to consider is security. First Data has several options that other processors do not. Transarmor® is an exclusive program that encrypts the consumer data at the terminal and at First Data's end as well. Europay, MasterCard and Visa(EMV) is another program coming soon that will reduce credit card fraud substantially, come back here for future updates.
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