A merchant account is a form of business bank account that enables a company to take electronic payments. These payments can be handled using Credit Cards (such as Visa or Mastercard), Debit Cards, Gift Cards, or checking accounts (such as ACH, echeck, etc.).
To get one of these accounts, you must enter into an agreement with an acquiring bank that has a processing relationship with Visa and Mastercard (and other digital payment companies). Using an authorized agent of an acquiring bank to establish this connection and begin your payment processing journey is one of the simplest methods to do so. ISOs are examples of such service providers.
Getting a merchant account may be daunting since it entails verifying your company’s location, obtaining a business license, and providing your credit score. We’ve made it simple!
Apply for your FREE QUOTE right now and you can apply online in as easily as a few steps.
We’ll walk you through the application procedure and get you authorized in as little as 24 hours, although more complex applications may take more time to process.

After we’ve received all of the necessary data, the approval procedure normally takes 24 to 48 hours. Accounts are occasionally completed in less than 24 hours. Our staff strives to have your account authorized as quickly as possible!

In most cases, it’s as easy as changing the merchant ID number in your software or terminals.
With some providers it can be more complicated, but we can help you understand what is going to happen if your business needs different hardware or software.

Normally we require the following documents. Occasionally we will need additional information:
● A copy of your driver’s license or passport to verify identity
● A voided business check or bank reference letter to confirm your account for deposits
● Proof of business which can be provided by the DBA registration, business license, articles of incorporation or articles of organization (sole proprietors do not require any of the above)
Don’t worry! We walk you through the entire process online. We even double check your applications so you have the best possible chance of approval.

We work with a number of banks and processors around the world, and pricing varies considerably by nation. Your account costs will also be determined by your own company and transaction model!
Please complete the application form for a personalized, accurate quote that you can trust!
We promise it’ll go fast, there are no strings attached, and it will be well worth your time!

Finding a merchant account provider that provides quality customer service, with an easy application process with a variety of processing banks gives your business the best opportunity to get the lowest rates and best service.

ChargeToday has been helping businesses for over 27 years, from the beginnings of online transactions to today where more businesses are accepting contactless payments as well as shopping from home.

Yes

There is always a danger when dealing with merchant accounts.
Credit card transactions are small loans that banks must accept liability for, and they must be verified. During the application and approval process, the processor will need to pull your personal credit as well as examine your company model and the TMF list.

There are many reasons why a business might be considered high risk but here are a few:
● You have too high of a chargeback ratio
● You offer recurring billing, subscriptions, or a free-trial.
● You sell high-ticket items.
Are you in an industry that has a reputation of having high fraud and chargeback rates?
Keep in mind that ALL merchant accounts carry risk. Banks simply want to make sure that their time spent on paperwork and disputes is worth the return.