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Typical Merchant Account Fee's


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Retail Merchant Account (Swipe)

Our Rates

Industry Standards Percentages
Of All Credit Cards Taken
Qualified Debit Discount Rate
Qualified Credit Discount Rate
Mid Qualified Rate (Rewards, Key Enter)
2.40% 10%
Non Qualified Rate (Business, Purchasing) 3.10% 5%
Transaction Fee $0.25

$0.00 PCI Compliance Fee
$0.00 Maintenance Fee
$0.00 Setup Fee
$0.00 Application Fee
$0.00 Download Fee

Statement Fee
Batch Header Fee

Mail Order / Telephone Order (MOTO)

Qualified Discount Rate



Transaction Fee


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Non-Qualified Rate


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Internet Account


Qualified Discount Rate


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Transaction Fee


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Non-Qualified Rate


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FAQ's    Frequently Asked Questions

What is a Merchant Account?
An account set up with a credit card processing bank usually through an ISO/MSP (Independent Service Organization/Merchant Service Provider) for the intention of processing credit cards.
What does qualified discount rate, processing discount or processing rate mean?
Rate charged on all credit card transactions that the credit card processing company charges to handle the transaction for you.  It is a percentage charged on the total dollar amount of a   transaction.
What is a transaction fee?

This is the most unreported gotcha.   All processors have some sort of issue for this fee.  It can be frequently labeled watts fee, item fee, transaction fee or POS watts fee or all the above.  If your processor is not charging a Transaction Fee, they could be putting in their qualified discount rate giving them the ability to say "we don't charge a transaction fee".  This usually means higher processing rates   

Surcharges, mid-qualified & non-qualified?
Everybody gets them, few understand them and fewer still do anything about it.  This is the built in fudge factor.   Usually Merchants don't even get quoted on it.  What is it?  The credit card industry and it rates are based on risk.  This risk is usually a surcharge rate added above the qualified discount rate.  There is no getting around it.  All processors are charged for it and they in turn pass it through to the Merchant with a mark up.   Since the Merchant usually does not even get quoted this rate, when they understand it, the Merchant accepts and continues doing business with it.  Once you've signed, you are normally stuck with it.  Be aware while looking for your next processor, make sure you get these surcharges quoted.  How do they work? 

         Mid-Qualified Surcharge
Set up for Retail Merchant Accounts under swipe rates - Key entering a credit card.   Did you know that keying in a credit card when set up under swipe conditions you get surcharged if you don't answer the AVS questions asked from the terminal?  What questions?  Street Address, Zip code, & CVv2 code.  Each processor has the ability to program your machine to ask these questions when they arise.  You don't get these questions? Surcharged.

          Non-Qualified Surcharge  
Set up for Retail, Mail Order/Telephone order (MOTO), internet accounts - Most all Corporate credit cards, purchasing cards, business standard credit cards, and not answering AVS questions on MOTO and Internet accounts gets this surcharge.   Businesses can come and go everyday with no risk of liability to pass on, therefore the risk of a Merchant doing transactions with companies, consumers over the phone or on the internet is higher.   

What is Debit Card Processing?
Comes in two forms.  Off-line and On-Line.  Both forms require a VISA or Master Card logo on the debit or check card.

          Off-Line Debit card Processing
Most common way to accept debit/check cards is handling it as a normal credit card.  Did you know that off-line debit card rates start 30 to 40 basis points lower than the standard qualified discount rate.  Industry standards say 60% of all transactions today are from debit/check cards.  You mean your processor does not have a different rate for your off-line debit card processing?  Whose getting all that money?  Be sure you get this rate quoted.  Some processors try to average your industry and don't offer a lower off-line debit card rate.  This is not good most of the time, because you don't know what percentage of credit cards taken are debit cards.   

          On-Line Debit Card Processing
Pending your average ticket, this method of accepting debit/check card is the cheapest and most secure method available.  In this type of transaction, the card must be swiped through the machine and a PIN number entered by the consumer.  This PIN number is encrypted and sent to the processor and then the consumers bank for verification of PIN and the amount of the transaction.  Processors are getting pretty sneaky with this one but the best we have seen is so much cents a transaction, period.   Example On-line debit card is $0.65 a transaction, your Off-line debit card rate is 1.30% Discount + $0.25 a transaction.  On a $100.00 sales your cost for online is $0.65 while Off-line is $1.30.  However if your sale is $10.00 your cost for On-line is $0.65 and Off-line is $0.38. 

On-line debit card processing requires the use of a PIN pad.  It can be internal to your credit card machine or external through a cable attached to the machine.   Either way, ALL PIN pads must be encrypted by the the merchants processor.  In other words, for the PIN pad to be encrypted and secure, the processor has to physically encrypt it.     


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