Find the Best Payment Processing Rates

Whether you are signing up for a merchant account for a new business venture or looking for reduced costs for your established corporation, America Merchant is here to help. We can offer you low transaction fees, and we are always willing to work with you on other prohibitive expenses like annual fees and early termination charges. Succeeding in today's economy takes hard work and dedication, and we want to work with you to help your establishment thrive.

First, let us provide some information about how your lower merchant account fees will be determined. Several factors are considered, including your business history, your personal history, and of course, your industry and risk level associated with that industry.

• Established Companies: Securing an account for a company that has been doing business for several years, processing customer charge cards without incident, is usually substantially cheaper than obtaining merchant services for a new venture.
• Good Credit Owners: Since new accounts require a personal guaranty, a merchant with a high personal credit score can expect cheaper prices than one who has a history of bankruptcy or other financial hardship.
• Merchant Cash Advance: We can also provide services like business funding, working capital and small business financing. If you are in need of capital to grow your business we can assist. No collateral funding is available with Entrust. Click here for more information.
• Lower Risk, Lower fees: Certain industries are high risk because they process Visa and Mastercard sight-unseen. Handling customers' cards over the phone or online presents a challenge when chargebacks occur, since the merchant cannot demonstrate proof that the card was ever in their store. Less risky are brick and mortar shops, grocery stores, restaurants, construction companies, bars, crafters, and seasonal stands.

Regardless of where you fall on the above spectrum, we want to give you the cheapest processing in the industry. We will happily work with you to determine the best way for you to save money on merchant services.

What are Typical Transaction Fees?

Our lowest fees vary depending on the factors listed above. However, we can tell you to expect the following approximate per-transaction fees for Visa, Mastercard, Discover, and American Express:

• 1.6% for in person businesses like coffee shops, convenience stores, lawyers, handymen, clothing stores, restaurants, doctors and other operations that allow for the swiping of client credit cards.
• 2% for non-card swipe internet merchants and over-the-phone processing.
• 3% for rewards cards transactions.

Additionally, a flat $.25 per charge rate is assessed on all cards. Businesses can, however, save a lot of money by encouraging their customers to pay using a debit card and pin pad in order to get the best fees. While a pin pad may be just one more piece of equipment to rent or buy, it can reduce costs in the long run since debit transactions aren't subject to the same percentage listed above.

Best of all, America Merchant is very willing to waive unnecessary charges for early termination or annual fees. A no annual fee merchant account is a terrific option for small or seasonal businesses, and termination fees tend to be unnecessarily punitive for companies struggling to establish themselves and stay afloat in a challenging economy. Other fees can be waived as appropriate, so don't hesitate to contact us to determine your best quote.

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