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A Guide To Understanding Merchant Account Rates & Fees
By: Bobi Michaelson
By understanding the true costs associated with merchant
account pricing, you can make an educated decision as to
which merchant account is really best for your needs.
You have opened your business and realize that accepting
credit cards will increase your sales dramatically. It is
now time to choose the merchant account that will be best
Youve received emails, postcards and have surfed the
Internet and have seen some great promotions. Which of these
merchant account providers will give you a good deal? Before
signing any merchant account agreement it is important to
understand all of the rates and fees that will be associated
with your account.
Qualified Discount Rate This is the percentage that will
be charge on all of your credit card sales.
Swiped credit cards will have a lower discount rate due to
the fact that the cardholder is present and the risk is
Keyed credit cards will have a higher discount rate due to
the fact that there is more risk involved in accepting the
credit card due to the fact that the cardholder is not
Mid & Non-Qualified Surcharge These surcharges are very
important to understand, as some Visa/Mastercard
transactions will have an additional surcharge applied to
the qualified discount rate.
Mid-Qualified Surcharge applies to swiped merchants only.
When a credit card is swiped and the magnetic strip cannot
be read in the terminal, you will key in the transaction.
When you have a telephone order, mail order or Internet
order, you will key in the transaction. A surcharge will be
applied to the transaction. In other words, if your
qualified rate is 1.66% and your Mid-Qualified surcharge is
.85%, you will pay 1.66% + .85% = 2.51% for that
Non-Qualified Surcharge applies to both swiped and keyed
merchants. Whenever a corporate or foreign card is used, or
you do not utilize the Address Verification System when
keying in a credit card, the Non-Qualified Surcharge will
apply. In other words, if your qualified rate is 2.39% and
your Non Qualified surcharge is 1.95%, you will pay 2.39% +
1.95% = 4.34% for that transaction.
Transaction Fee Merchant providers will also charge a per
transaction fee on each of your sales. Some providers will
also include a per item fee, or a watts fee in addition to
the transaction fee. Make sure you understand the true cost
of the transaction fee structure.
Address Verification System (AVS) Address Verification
applies to keyed transactions. The AVS determines whether
the street address and zip code is actually a match for the
cardholder. AVS does not work for foreign transactions. The
AVS fee is a separate fee charged for each transaction.
Travel & Entertainment Cards American Express, Discover,
Diners and JCB are considered non-bank cards. The
transaction fee for these cards is normally called a T&E
fee, or a non-bankcard transaction fee. You will incur this
transaction fee each time one of these cards is processed,
in addition to the discount rate set by these individual
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| Central Pacific Bank - Business Banking - Merchant Services
... . Merchant Services. . Specialized Business. Services. . Women's Business Central. Our partner, Heartland Payment Systems ... card, and related processing services to restaurant, hotel, and ...
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| Business Wire: Heartland Payment Systems Introduces Online Merchant Management Services
Full text of the article, 'Heartland Payment Systems Introduces Online Merchant Management Services' from Business Wire, a publication in the field of Business & Finance, is provided free of charge by LookSmart's FindArticles service. ... be offered to merchants for a one-time activation fee of .95 and a .95 monthly merchant services fee. ...
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| Heartland Card Services
The subsidiary of a Visa and MasterCard Member Bank providing a wide range of merchant bankcard and cash management services. Credit card processing, installation and set-up. Providing card authorization and draft capture services. ... We're one of the largest merchant service providers in the nation ... Sales&Marketing@heartlandcard.com. Heartland Card Services. 212 South Central Avenue ...
[see more on Heartland Card Services]
| Heartland Bank -- Central Ohio's community bank since 1911
Central Ohio's Premier Community Bank. We can customize our services to fit your needs. Check out our Portal for local shopping, world and local news, stock tracker and much more. Customize our site to your needs. ... Switch on to Heartland. Our Internet Banking service gives ... Business Relationships. At Heartland Bank we take pride in ... of loan and deposit services for you and your business ...
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| Heartland Bank: Business Banking: Other Services: Merchant Services
Central Ohio's Premier Community Bank. We can customize our services to fit your needs. Check out our Portal for local shopping, world and local news, stock tracker and much more. Customize our site to your needs. ... Merchant Services. Merchant Services is the ability to accept Credit Cards for payment at a customer business ... ©2005 Heartland Bank All Rights Reserved About Your Privacy ...
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| Heartland Payment Systems Markets Served
Credit and debit card transaction processing and a complete selection of payroll services makes one-stop payment processing a reality for restaurant, lodging and retail merchants. ... going to take the Heartland career seriously. They need to know something about merchant services. It is a ... restaurants now lead in the number of merchant types we now serve ...
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|Heartland Payment Systems - Official Site|
|heartland payment systems offers credit card payment processing for small to large|
business. We specialize in hotel, restaurant, gas station, franchise merchants.
|Heartland Online Merchant Center|
|Welcome to Heartland's Online Merchant Center. To Request your Merchant Center Login ID,|
Please Contact the Heartland Service Center at 888-963-3600
|Heartland Payment Systems Review 2014 | Reviews, Ratings ...|
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out our unbiased review and weigh in with your Heartland processing experience.
|Heartland Payment Systems Review | Expert & User Reviews|
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channels and forums, and only a handful of these complaints accuse the