1. What do you sell at your business?
   Make sure the client's business type is acceptable for account. CLICK HERE
   
   
2. How much do you expect to collect in credit card sales per month and what is the average ticket price for each sale? 
   
   Very low margin items, or low volume of sales indicate that the merchant should use an inexpensive system like pcauthorize.  Merchants with a very high volume of sales will prefer a more automated system like authorize.net
   
   
3. What percentage of your sales will include swiping of the actual credit card in a retail setting?
   
   In order to benefit from the lower swiped transaction rates, the merchant must swipe at least 80% of their transactions.  Merchants who swipe less than this threshold may assess additional account charges.
   
   
4. Does the transaction need to be processed immediately, using a real-time virtual terminal? (As in the case of a car wash or a downloaded product) or can funds be collected off-line at the end of the day? (Products that must be shipped, or a service to be provided such as web hosting)
   
   When the transaction must be processed immediately for products such as downloadable software, a real time terminal such as authorize. net will capture funds instantly.  When a product is packaged and shipped such as books, the transactions can be processed offline using pc authorize.  When transactions happen face to face, like at the grocery store, a retail swipe terminal is the best option.

• Standard Internet/ Phone / Mail Order: USA Only
  
  $495 to purchase Uses PC Authorize software.  (Mac Authorize)
  $99 application fee at the time of application (non-refundable) 
  
  2.25% discount rate 
  $0.20 per transaction
  Monthly Statement Fee is $10 per month. 
  
  Uses PC Authorize Software that is installed on your computer.  This is our most popular merchant account. This system will work with a PC or Macintosh, and credit cards can be authorized in 6 seconds using a standard modem. 
  This system is for businesses that take more than 80% of their orders by phone, mail, or Internet. The authorization software verifies the customer's billing address with built-in Address Verification Service (AVS) 
  This package is fully compatible with all Internet Shopping Carts, but will not process in real-time. 
  
  
• Real-Time Authorize.Net Virtual Terminal: USA Only
  
  $495 to purchase.  Uses Authorize.Net Virtual Terminal 
  $99 application fee at the time of application (non-refundable) 
  
  2.35% discount rate 
  $0.35 per transaction 
  Monthly Statement Fee is $15 per month
  Monthly Gateway Fee is $15 per month 
  
  This system is designed for high volume e-commerce web sites, or those which require a fully automated ordering system. 
  
  Real-Time Authorize.Net virtual terminal will allow web site and phone/mail order charges to be authorized and settled via web-browser. This system can be used manually or automatically from any computer, which has web access.
  
  Most shopping carts on the market will be instantly compatible with Authorize. Net, and technical support is provided.
  
  

• Retail Store Location - Face to Face Swipe: USA Only
  
  $695 to purchase.  Uses LinkPoint Swipe Terminal 
  $99 application fee at the time of application (non-refundable) 
  
  1.71% discount rate
  $0.20 per transaction
  Monthly Statement Fee is $10 per month
   
  
  For businesses who see their customer in a retail situation; where the card can be swiped through a reader, imprinted, and then signed by the cardholder, there is a special low discount rate of 1.71%.
  
  This type of account will require a swipe terminal and imprinter signature. A swipe machine is used to authenticate and authorize credit card sales.
  
  The option outlined above does not include a receipt printer. The LinkPoint printer combo terminal may be chosen for $795.
  

• PC Authorize would be the best choice for your business. You are selling your product on the internet and via mail order and ship daily. 
  
  When using PC Authorize off line processing, customers can enter their order information at your website using your current ordering system. Telephone, fax, or snail mail orders can be keyed into PC Authorize software for approval. At the end of the day, simply close the batch to send the days transactions off for collection. All funds typically take 48 hours to be deposited into your checking account. 
  
  PC Authorize is credit card processing software which dials up to the FDR Nashville credit card processing network using your modem. (this network is different from the internet) Each transaction takes approximately 6 seconds to authorize. PC Authorize has an import feature which allows you to import and export text using ascii text format. This allows you to import orders from your website, or process your monthly billing all at once using the "process as batch" feature.
  
  Our guaranteed lowest price merchant accounts can be set up in as little as 7-10 business days, depending on how fast you return your paperwork. 
  
  The pricing structure is as follows: 
  
  $495 to purchase
  $99 application fee at the time of application (non-refundable) 
  
  2.25% discount rate 
  $0.20 per transaction 
  Monthly Statement Fee is $10 per month. 
  
  We have a high approval rating and you will not be denied due to personal credit history. I can take your application now over the phone. (yes)
  

AUTHORIZE.NET:

• Authorize.net would be the best choice for your business when the product is available immediately, or there is a high volume of daily sales. 
  
  Real time processing allows you to capture your clients funds instantly. This ensures that payment is on its way to your account before the customer receives his product. 
  
  Your Authorize.Net virtual terminal is accessible through via internet browser 24 hours a day, from any computer with internet access. The virtual terminal is easy to use. 
  
  Customers at your site will simply input their credit card and order information into your current shopping cart or order form. The order is immediately authorized by Authorize. Net. For telephone orders, the customer order information can be entered at your virtual terminal. Funds will be deposited into your account within approximately 72 hours.
  
  The pricing structure is as follows: 
  
  $495 to purchase the Authorize.Net Virtual Terminal
  $99 application fee at the time of application (non-refundable) 
  
  2.35% discount rate 
  $0.35 per transaction 
  Monthly Statement Fee is $15 per month
  Monthly Gateway Fee is $15 per month 
  
  We have a high approval rating and you will not be denied due to personal credit history. I can take your application now over the phone. (yes)
  

LINKPOINT RETAIL SWIPE:

• The Linkpoint Retail Terminal would be the best choice for your business. You are selling your product in a retail setting where over 80% of customers cards are swiped.
  
  When customers at your shop make a purchase, you will swipe their card through your terminal. The terminal will dial up to the card processing network using an available telephone line. Authorization takes 6 seconds. Customers can sign printed receipts.
  
  For telephone or mail order orders, the customer order information can be keyed in using your number pad. Funds will be deposited into your account within approximately 48 hours.
  
  Having the actual credit card present to swipe through a terminal, with a matching customer signature, provides maximum transaction security. This is why retail swipe transactions charge a lower discount rate.
  
  The pricing structure is as follows: 
  
  $695 to purchase.  Uses LinkPoint Swipe Terminal
  $99 application fee at the time of application (non-refundable) 
  
  1.71% discount rate
  $0.20 per transaction 
  Monthly Statement Fee is $10 per month. 
  
  We have a high approval rating and you will not be denied due to personal credit history. I can take your application now over the phone. (yes)