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Learn about Credit Card Merchant Accounts
       
  I have done my research and I am ready to set up an account  
       
  What is a Merchant Account?  
       
  Different kinds of Merchant Accounts  
       
  Differences in Merchant Account Providers  
       
  How Processing Works  
       
  Rates & Fees explained  
       
  How do I apply for a Merchant Account?  
       
  Setting up a merchant account  
       
  Tips for getting the best Merchant Account for your business  
       
       
   
   
 
How Processing Works

When a credit or debit card is swiped, keyed or entered online, the Merchant submits a request for authorization. This request is sent through the credit card network to the issuing Merchant Account Provider. The Provider verifies the credit or debit card and the funds requested and either approves the transaction or declines it. This approval or decline is then sent back to the Merchant. If the transaction is approved, the funds are deposited into the Merchant Account holder’s bank account.



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