How Do I Apply?
Just click here and fill out our form and you can be approved today! For Free!
Will you Approve my Business Type?
We approve 99% of our accounts including high risk that are typically declined by other credit card processors.
Is 99merchantaccount.com a lease?
99merchantaccount.com is not a leasing company. We provide equipment and services to our merchants. Our fee is a flat fee for using our equipment and we also save merchants thousands of dollars by passing the Direct True Cost of Interchange.
My Credit Rating is bad. Can I be approved?
Absolutely! 99merchantaccount.com has partnered with Global Payments and we have one of the highest approval rates in the industry. We have many high risk merchants that other credit card processors have turned down.
Is 99merchantaccount.com compatible with my website and online shopping cart?
We offer multiple payment gateway solutions and 99merchantaccount.com is compatible with virtually all of the online shopping carts on the internet. Additionally we set up your Online Gateway for Free! (a $50 value)
Will my transactions be secure?
Yes! All of our software and equipment is completely secure and is Payment Card Industry (PCI) compliant, as required by the credit card companies. Our web-based processing systems are secured with military grade (128 bit SSL) encryption, so you are not required to buy your own SSL security certificate
What is the "60 Day No-Risk Cancellation Guarantee?
Our Guarantee works like this...we give you 60 days to try us including our warranty program for free paper. If you don't like us...just let us know and we will send for the equipment. It's that easy.
Does 99merchantaccount.com have a contract?
A 2 year contract goes into effect after the 60 day No Risk period. The cancellation fee is $99.
Is this just an "Introductory Rate" and my rates will go up later?
No. Our pricing is Interchange Plus Zero Basis Points. We will never add fees to your rates! At 99merchantaccount.com we NEVER make money on your rate!
Do I need to open a new bank account for my merchant account?
We need a business checking account to be associated with your business. We cannot deposit into your personal checking account unless you are a sole proprietor.
Is there a technical support phone number that I can call if I need help?
There is Always Someone to Help! Tech Support is Open 24/7. Call 888-865-3248 option 1
Does 99merchantaccount.com have Point of Sale Systems or Wireless Solutions?
Yes! 99merchantaccount.com has processing solutions for every type of business. We provide cutting-edge, secure web-based processing solutions for Internet, phone order, and mail order merchants. We also offer a wide array of easy-to-use hardware for retail stores, restaurants, professional offices, and mobile/wireless merchants. 99merchantaccount is truly a one-stop-shop for any type of business wanting to accept credit cards.
Do I need to have a corporation or business license to open a merchant account?
Absolutely not! Unlike other credit card processors, 99merchantaccount.com does not require that you have a formal business in order to accept credit cards.
What is Real-Time transaction credit card processing?
Real-Time transactions allow your customers to submit their credit card information over the World Wide Web, and the charge is automatically approved within seconds. No person needs to be present for the transaction, so you can be making credit card charges literally while you sleep. The funds will appear in your bank account within 48-72 hours of the transaction.
What does EMV Chip Terminal Mean?
This stands for "Euro pay, MasterCard and Visa. It is the New Global Standard set by the credit card corporations for cards to be equipped with computer chips and the technology used to authenticate chip card transactions. The Deadline for merchants to be equipped with an EMV Terminal is Oct 2015. Click Here to Get Your EMV Terminal Now.
What is NFC?
NFC stands for Near Field Communication. It is the platform upon which Apple Pay and Google Wallet are based upon.
How does Apple Pay Work?
Apple Pay works by storing your credit cards in your phone. One touch to pay with Touch ID.
How does Google Wallet Work?
Google wallet works the same way as Apple Pay...Tap and Pay. All of 99merchant.com terminals are equipped with NFC capabilities and accept Google Wallet and Apple Pay.
What is CurrentC card?
Current C is Walmarts card they created in order to avoid paying merchant credit card fees. Currently it is being revamped in order to compete with Apple Pay.
What is Interchange?
Interchange or Interchange Fees is the term used to describe a fee paid between banks for the acceptance of credit card based transactions.
What is a Gateway?
A Gateway is software designed for merchants to take credit cards on the internet. There are several ways to use it.
- The first way would be to have a customer call in and your sales associate could "Key Enter" the transaction online with the customer on the phone.
- The second way would be have it connected to your website and your customers can enter their own credit card information and check out.
Is there a discount rate?
The discount rate is what the processor typically charges to handle the transaction for you. At 99merchantaccount.com we are proud to say our discount rate is 0%. No Mark Up on Your Rate!
What is the difference between Tiered Pricing and Interchange Pricing?
The difference between Tiered and Interchange is like this:
In Tiered you have 3 "buckets" your credit cards can fall into.
- Qualified-a consumer credit card that is Swiped in
- Mid Qualified-rewards cards, business cards and cards that are keyed entered.
- Non Qualified-Business Cards or Cards Missing Key Pieces of Information
Who is Global Payments?
Global Payments Inc. is a provider of electronic transaction processing services for merchants, Independent Sales Organizations (ISOs), financial institutions, government agencies and multi-national corporations located throughout the United States, Canada, Europe, and the Asia-Pacific region. Global Payments, a Fortune 1000 company, offers processing solutions for credit and debit cards, business-to-business purchasing cards, gift cards, electronic check conversion and check guarantee, verification and recovery including electronic check services, as well as terminal management.
Who is First Data?
First Data Corporation is a global payment technology solutions company headquartered in Atlanta, Georgia, United States. First Data has a global footprint of 6 million merchants, the largest in the payments industry.The company handles 45% of all US credit and debit transactions. It processes over $1 trillion in card
Who is Payment Tech?
Chase Paymentech is the payment processing and merchant acquiring business of JPMorgan Chase Paymentech payment platforms support businesses of all sizes to process payments, including credit, debit, and digital, alternative, mobile payment options.