Internet Merchant Accounts

At one time, credit card processing relied almost exclusively on dedicated phone lines to get the job done. Not anymore! That cord has been cut and replaced by an Internet connection that links you, the merchant, quickly and securely to the credit card processor with whom you have established an Internet merchant account.
Merchant Express® was in the forefront of this development. We were one of the first merchant services providers in the country to offer Internet merchant accounts, and they’re still one of our most popular services. We believe that practically all merchants — from traditional retail to e-Commerce to mobile — can benefit from the ability to tap into the convenience, flexibility and immediacy of credit card processing offered by an Internet merchant account.

An Internet merchant account is the first requirement for Internet credit card processing. Once your account is established, Merchant Express can set you up with access to Transaction Express™, our web-based electronic payment gateway. It provides real-time transaction processing of major credit cards and signature debit cards via any device with an Internet connection.
An Internet merchant account paired with Transaction Express delivers customizable and flexible features like direct swipe via USB for face-to-face POS situations as well as manual entry for card-not-present transactions, advanced report search capabilities, automatic and manual recurring payment options and a multi-merchant/multi-user platform. For online merchants, Transaction Express supports multiple entry points, including a virtual terminal and shopping cart. Receive authorizations in seconds, generate receipts, issue refunds directly to customers’ cards and create a variety of standard and customizable reports — all while cutting your monthly expenses by eliminating a phone line!
Regardless of how you access the World Wide Web, an Internet merchant account empowers you to grow your operation while saving money. Put your desktop or laptop computer, smartphone or mobile device to work for you processing credit card transactions. You already rely on the Internet for so many aspects of your personal life and business. Isn’t it time to cut the cord and take your operation mobile with an Internet merchant account from Merchant Express?
Internet credit card processing with an Internet merchant account supports a variety of markets, including retailers and e-tailers, MOTO, healthcare, government, utilities, membership and subscription services and clubs, education and non-profits.
Think an Internet merchant account is right for your business needs? Let a Merchant Express representative explain its finer points to you and help make the transition to Internet credit card processing easy and efficient.
Complete the information box at the top of this page, or call us at 888-845-9457, to get started. One of our representatives will review all your options with you and answer your questions. The sooner you get started, the sooner you’ll be accepting credit cards online!
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Internet Discount Rate | 2.65% | 2.27% |
| Internet Transaction/Batch Fee | 35 ¢ | 24 ¢ |
| Address Verification Fee | 5 – 10 ¢ | 5 ¢ |
| Monthly Service/Support/Statement Fee | $10 – $15 | $5.00 |
Other Fees (some might not apply):
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Voice Authorization Fee Note: only charged if you call the 800 voice auth line to authorize a transaction. |
$1.50 | 95 ¢ |
| Chargeback / Retrieval Fee Note: only charged if your customer disputes a charge. In practice this rarely happens. |
$35 | $25 |
| ACH Reject Fee Note: only charged if you lack funds in your bank account to cover credit card fees or debits. |
$30 | $25 |
| PCI Compliance Fee For PCI (Payment Card Industry Compliance). Includes scanning of a website if applicable. |
$19.95 | $4.95 |
Most other providers will try to charge you the following fees. We do not!
| Service | Industry Average | Merchant Accounts Express |
|---|---|---|
| Annual Fee | up to $195 | $0 |
| Application Fee | $75 – $125 | $0 |
| Setup Fee | $50 – $150 | $0 |
| Programming Fee | $50 – $95 | $0 |
| Monthly Maintenance Fee | $0 – $10 | $0 |
| Checking Account Change Fee | $20 | $0 |
| Overlimit Fee | varies | $0 |
| Authorize.Net Gateway Setup | $99 – $299 | $0 |
| Authorize.Net Transaction Fee | 10 ¢ | $0 |
| JPOS Retail Swipe Software | $175 – $395 | $0 |
| Check-by-phone/fax PC software | $149 | $0 |
| Check-by-phone/fax PC software | $299 | $0 |
Note: Rates and fees are effective for accounts set up on or after November 9, 2010. The information listed above is a summary only and may not be all inclusive; all charges are listed in the merchant application and agreement. Minimum charges may apply to some accounts. Unlike other providers, we do not charge a cancellation fee if you go out of business or if you have a service issue we cannot resolve.
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“Your services there at Merchant Accounts Express are the best in service and technical sup...”
- K. O. Wentzville, Missouri
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“Thank you so much. I am so excited. I have to tell you that I originally was going with **...”
- R. R. Naperville, Illinois
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“I looked for some time on the Internet, and received replies from many processors, but you...”
- T. C. Depew, New York
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“We initially did as much homework as we could and ultimately had several different service...”
- F. D. Kerrville, Texas
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“I wanted to write and thank you for your exceptional service. This being our first account...”
- J. P. Troutdale, Oregon
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“You have surpassed my expectations in customer service and well represented Merchant Accou...”
- J. K. Mililani, Hawaii
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“I just wanted to tell you that, I have worked with many companies before in getting variou...”
- M. W. Overland Park, Kansas
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“I can honestly say I’ve never been happier with a merchant account provider. I didn&...”
- T. E. Chanhassen, Minnesota
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“I want to personally thank you for making this process easy and pain free once again. You ...”
- K. O. St. Charles, Missouri
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“Thank you very much for your help!!! You cannot believe how much of an asset you are to yo...”
- J. K. New Hampshire

