Frequently asked questions about Total Merchant Services merchant accounts

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What is a merchant account?

Using our merchant accounts, a business owner has the ability to accept credit cards in virtually any retail environment, including the Internet.

By opening a merchant account, a merchant is establishing an account with a payment processor for the settlement of their business credit card transactions.

Any merchant who wishes to accept credit card payments from their customers must have a merchant account. With Total Merchant Services merchant accounts, you can accept all major credit cards including Visa, MasterCard, Discover, and American Express, as well as debit, check and ach.

Total Merchant Services is your one-stop source for merchant accounts, equipment, and credit card processing software. We will work with you to find the best solution for your business needs.

Why should I choose Total Merchant Services

Total Merchant Services offers state-of-the-art credit card machines, credit card processing software and services, while offering some of the lowest rates in the industry.

While many of our competitors vary their rates higher or lower depending on a merchant’s sales volume or “average ticket”, we offer one low rate – with no hidden fees. Also, there are NO APPLICATION or SETUP FEES.

Total Merchant Services takes the confusion out of opening a merchant account. We use our years of experience to guide you through each step of the process and assist you in choosing the perfect solution for your business needs.

How does a wireless credit card machine operate?

Wireless credit card machines use a wireless networks similar to a cell phone. That means you can accept credit cards even when a phone line or internet connection is not available. Wireless credit card machines are great for mobile businesses, such as lawn care services, limousine services, taxi drivers, crafters, carpet cleaners, etc. [ learn more about wireless credit card processing ]

How do I quality for a free credit card machine?

Receive a free retail credit card machine that is perfect for your growing brick and mortar business. With easy connectivity via a phone line or high speed internet, you can begin to accept credit cards the day your machine arrives. All of our free credit card machines are state-of-the-art and secured with the latest encryption technology.  [ learn more about how to receive a free credit card machine ]

How do I apply for a merchant account?

Opening a merchant account has never been easier! Simply phone us at 1-800-896-6501 to get the process started, or you may fill out our online contact form. We will generally contact you within 48 hours.

Do I have to operate a large business to benefit from a merchant account?

Total Merchant Services has the perfect merchant account option for businesses of any size. We do provide high volume merchant accounts services, but also offer options for the small business including the ability to accept credit cards online and accounts that allow for mobile credit card processing using a touch tone or cellular phone.

What are some of my merchant account options?

Total Merchant Services offers a variety of merchant account options and credit card equipment to meet all your business needs. Our complete merchant account solutions include high quality credit card machines, credit card processing software, and online credit card processing accounts that require no equipment. We even offer a free credit card machine to customers operating retail businesses.

For assistance choosing the best merchant account options for your business, please call 1-800-896-6501.

How much does a merchant account cost?

Total Merchant Services offers rates that are among the lowest in the industry, while ensuring that we do not compromise the quality of our services. While many of our competitors vary their rates higher or lowers depending on a merchant’s sales volume or “average ticket”, Money Tree Merchant Services offers on low rate – with no hidden fees. Also there are no application or set up fees.

Rates start as low as 1.69% plus .20¢ per transaction for retail businesses, and 2.19% plus .25¢ per transaction for mail/phone/internet businesses.

If I have more than one business, do I need more than one merchant account?

Since a merchant account is tied to your business name and tax id, it is necessary to have a separate merchant account for each of your businesses. It is perfectly legal, however, to have more than one merchant account.

Does Total Merchant Services accept applications from non U.S. citizens?
At this time, Total Merchant Services only accepts applications from U.S. citizens.
 
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