Merchant Account Setup/Integration Don't lose another sale because you don't take credit cards. Online and mail order businesses that don't offer shoppers a credit card payment option lose over 80% of their impulse sales. Accepting credit cards will give your customers the confidence to order without hesitation. With our approval rate of over 98%, you know your business will be accepting credit cards in practically no time.  After you have applied and been accepted for your real-time merchant account, we integrate it into your storefront thereby enabling your Web site to automatically process credit card orders securely whenever your customers enter them, 24 hours a day, 7 days a week. After your customer submits payment information, his or her credit card will be charged within a few seconds, without you having to do anything. After an order is placed, you will receive an email with all of your customer's information so you can fill the order. If you are selling information, password access, or anything else that can be delivered directly on the World Wide Web, your Web site can deliver it immediately when your customer's credit card is approved. The funds will appear in your bank account within two to three business days. In addition to processing credit cards in real time, you will also get a Virtual Terminal. This will allow you to process orders that are placed by telephone, by mail, or in person. It is a Web-based credit card processing terminal that has all the features of an electronic keypad terminal and more. It keeps detailed records of every transaction, and generates invoices that you can print out. In addition, it allows you to set up automatic recurrent billing (such as for payment plans or monthly subscriptions). Checks by Web, Phone and Fax This service allows you to accept checks from your customers over the phone, by fax, or through the Internet via email or the World Wide Web. Imagine never having to wait to receive checks from customers through the mail. This is the perfect complement to your credit card merchant account because it will allow you to get impulse sales by both credit card and check. You can choose Real-Time processing with a Virtual Terminal, computer software for either PC or Macintosh, or an electronic keypad terminal. Discount Rates Our rates are among the lowest in the industry, at only 1.65% for retail (face to face) merchants, and only 2.35% for mail order and Internet merchants. There is a transaction fee of only 25 cents for retail merchants, and only 25 cents for mail order and Internet merchants. Over 98% of our applicants are approved. We approve almost any type of business.