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Merchant Account Guidelines at eComTechnology
Accepting credit cards is an easy way to collect payments online and increase the sales of the company. It’s a convenient way to accept payments and one that you can get without a major hassle.
Pricing merchant accounts starts with the discount rate. Everybody always asks for this rate when comparing merchant accounts. For internet based transactions, the discount rate will typically be about 2.1 to 2.5%. PayPal is a merchant account provider that charges a flat rate of about 3%. Even though this may seem to be easier to reconcile, it will ultimately cost most merchants more money simply because 80% or more of your transactions should go through at that lower qualified rate.
A non-qualified or mid-qualified rate will usually add on an additional .5% to 1.5% for these transactions that are “downgraded” because they are either a rewards card which cost more to process or a government or business credit card.
Apply today at eComTechnology your merchant account broker.
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