E-commerce Industry Processing
Credit Card Processing For Websites & Online Sales
To establish an e-commerce business, you need a website, Internet merchant account, virtual shopping cart and a payment gateway. You provide the website, and Merchant Express® will provide the means to do the rest!
What is a merchant account?
A merchant account is a business and financial arrangement with a credit card processor that allows a merchant to accept payment cards — in this case, on the Internet. An Internet merchant account enables you to run web-initiated transactions online in real time.
What is a payment gateway?
A payment gateway is a remotely-hosted software application that transmits transaction data from either the payment page of your website or from a virtual terminal, which is the link merchants use to process transactions securely and efficiently from their own computer.
Complete online payment processing center
Merchant Express’s electronic payment gateway offers a complete payment processing center online, anytime. Real-time processing of major credit cards and signature debit cards from any device with an Internet connection gives you the flexibility and reliability needed to help grow your business and remain competitive in your marketplace.
Mobile payment capabilities
In addition to supporting most virtual shopping carts and providing access to a virtual terminal, Merchant Express also provides mobile payment capabilities and direct card swipe via USB, qualifying you for lower, card-present processing fees. Other important features include the ability to generate receipts, issue refunds directly to a customer’s card, capture previously authorized transactions and confirm transaction status; batch processing; a multi-merchant/multi-user platform; customizable reporting; automatic and manual recurring payments; and email management.
Propel your business
An Internet merchant account from Merchant Express propel credit card processing — and your business — into the 21st century. Isn’t that where you need to be?
Talk to a Merchant Express representative today about our Internet/e-commerce products and services.
Rates table
| Service | Industry Average | Merchant 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 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 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.
