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Merchant Account And Credit Card Processing - Free!
Whether you own and operate a retail storefront, restaurant, internet, home-based, or a mail/phone order business, we can help you easily setup an account with the payment solution that best fits your needs and budget!
Low Rates and Fees - Our free merchant account features no application fees and competitive rates and fees for all business types, including retail, mail, phone, fax, internet, or wireless businesses.
Our competitors offer the same equipment and charge you hundreds or thousands of dollars for what you can get for free with us.
We offer the following FREE services:
- Free full-service merchant account
- Free online application - no paperwork!
- Free credit card transaction terminals
- Free Internet payment gateway software
- Free shopping cart system
- Free recurring billing software set-up
- Free ACH online check processing set-up
- No set-up or equipment reprogramming
- Real-time processing from your website
- Free 24/7 merchant help desk
Free Nurit 2080 Credit Card Terminal - We will ship you a free credit card terminal upon your merchant account approval and activation.
Free Internet Payment Gateway Software - Apply for a free merchant account and we will provide you a free Internet Payment Gateway Software and Virtual Terminal software
For fastest merchant account approval - Please fill out our online application or give us a call today at (800) 223-1247 to speak with our business advisors.
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Get a Free Credit Card Terminal or Free Internet Software at FreeCreditCardProcessing.com
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Does your business accept credit cards? Accepting credit cards with FreeCreditCardProcessing.com can increase your sales each month. Credit Card Processing reports by the "Nilson Report" in August 2004 found that over 90% of all online transactions are done via credit cards or debit cards.
Ready to apply for a merchant account, free of charge with fast approval time - Today! Our professional staff will get your business approved and set-up in a matter of a few days.
Most of our competitors offer the exact same credit card processing machines or payment gateway software and charge you hundreds of dollars or tie you up in a 3-4 year non-cancelable leases that will cost you thousands of dollars. (A Simple 29.99 lease x 48 months cost you $1439.00. A simple 39.99 lease x 48 months cost you $1919.00.
Our equipment and software is provided to you for FREE. In Addition to giving you a Free Terminal or Free Payment Gateway Software, we will provide you with your own merchant account. This merchant account will allow you to accept all forms of credit cards including, Visa, MasterCard, American Express, Discover, and even Online or Telephone Checks.
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Merchant Account Basics at FreeCreditCardProcessing.com
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A merchant account is required to accept credit cards using FreeCreditCardProcessing.com. A merchant account is a special account with a bank that is a member of the Visa and MasterCard associations. Such a bank has been certified by Visa and MasterCard associations and can provide you, the merchant, with all of the services related to your merchant account.
Business Types
Retail - This type of merchant account applies to credit card transactions where the customer is present. Perfect for retail storefronts, restaurants, hotel & motel, malls and kiosks, service businesses & more! Your rate for these transactions are 1.79% plus .25 cents per transaction.
Keyed Transactions - Card not-present transactions are hand-keyed into the free Nurit 2080 credit card terminal we provide for your business. Keyed credit card transactions are those orders via phone, mail, fax, or internet. Your rate for these transactions are 2.35% plus .30 cents per transaction.
Wireless - Using the Comstar Mobile Merchant or the Nurit 3010 terminal, you will qualify for card-present transaction fees by processing your transactions via a wireless connection, similiar to your cellular phone. Great for flea markets, service businesses and trade shows. Your rate for these transactions are 1.79% plus .25 cents per transaction.
Internet/E-Commerce Processing - Card not-present transactions processed in real-time via an Internet Payment Gateway and/or Internet Virtual Terminal. Your rate for these transactions are 2.35% plus .30 cents per transaction.
Understanding your merchant provider’s rates and fees - All banks and merchant providers require "transaction fees" from you for accepting credit cards. Typically, these fees are broken down into 3 categories: a discount rate, a transaction fee, and monthly fees. For the bank's purposes, a transaction is usually defined as any communication between you and the processing network. A "credit" transaction is treated the same as a regular transaction. Settling a batch is usually considered a transaction as well, as it involves communication with the processing network.
Discount Rate - This is the percentage of the total transaction amount that the bank will usually deduct prior to transferring your deposit into your bank account. Typical discount rates range from 2.5% to 5%, depending on your type of business and other factors. A higher rate may be charged on individual transactions if the transaction doesn't conform to certain qualifications, as described by your bank or merchant provider. For instance, accepting a "Visa Business Card" credit card may cost you 1% more than regular transactions. The reasons for these non-qualified transaction surcharges and complete details on all transaction qualifications should be discussed with your bank or merchant provider. Address Verification (AVS) may also fall into this category when not used properly. Address Verification (AVS) is described below.
Transaction Fees - This is a flat amount that you pay for each transaction. Typical transaction fees range from 30 cents to 50 cents per transaction.
Monthly Fees - These are fees charged for other account related services, such as customer service, your monthly statement, network access fees, and minimum monthly fees.
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Internet Payment Gateway Software at FreeCreditCardProcessing.com
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Virtual Terminal - This is the easiest way to process transactions. No integration is necessary --- simply login to the Pay-Me-Now, select one of the Virtual Terminal menu options, fill out the form with your consumers account information and payment amount, and press Submit.
Credit Card Processing - Accept all major credit cards, including Visa, MasterCard, American Express, Discover, Diner's Club, and JCB via Pay-Me-Now software.
ACH Checks - Give your consumers the option of paying via Online Check.
Recurring Billing - Easy to use automated billing of recurring amounts.
Fraud and Risk Management (FRISK) - Customizable fraud and risk management system helps you maximize sales and minimize risk.
Shopping Cart Integration - Pay-Me-Now supports most available shopping cart software so it integrates easily with most e-commerce solutions.
HTML Web Link - Pay-Me-Now Web Link is a secure online payment-processing check-out that allows Internet-based businesses to authorize, process and manage payment transactions without installing software on their Web site.
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