Merchant Account For Your New Business

Congratulations – You have decided to seek the American dream and open up a new business. It is this entrepreneurial spirit that is the backbone of this country. In order for your new business to grow and thrive it is important for you to establish a merchant account in order to accept credit cards and debit cards from your customers. I am thrilled that you found the Credit Card Processing Services website which tells you about our great programs for a new business to open a merchant account.

Please let me tell you about our three most popular programs for new merchants. The first is for storefront type merchants such as retail stores, restaurants, or medical offices where we offer the best merchant account rates in the business combined with a free credit card terminal and contactless reader. The second is for mobile merchants such as craft vendors, artists, and on the road contractors in which we offer great swiped rates combined with a free wireless terminal. The third program is for merchants where most of their sales are manually keyed such as low risk websites or business offices and for you I offer very competitive keyed rates combined with a free virtual terminal.

1. Free Terminal for Retail Stores, Restaurants, and Medical Offices

This program is available for any retail storefront business, medical practice, or restaurant. The equipment that we will send to you is a brand new state of the art Hypercom T4100 terminal and printer combination with a retail value of approximately $450.00. We will even program it for free and ship it to you via FedEx second day air at no cost to you. The Hypercom T4100 is a dual comm. unit so you can process either using regular dial up through your phone line by dialing a toll-free authorization number or connecting it to your broadband/DSL service for super quick high speed transaction time. Even if you don’t have Internet service at your business now, when you get it in the future the terminal will automatically recognize the connection – pretty smart!

The Hypercom T4100 uses thermal paper available at every office supply store like Staples and no ribbons are required. The paper roll case is clear so you always know how much paper is left and it is the new clam shell design so you just drop the roll in and close it without having to feed the paper through and getting it jammed. A big difference in this terminal from other units is that it uses full size paper rolls instead of those baby rolls that need changing all the time. Just look at the difference in the size of the rolls.

The speed of this terminal is unbelievable. Average transaction time for IP is under 3 seconds and even old-fashioned dial up is consistently 5.9 seconds which is twice as fast as other dial up units. Once a transaction is approved it prints in lightening speed of 18 lines per second so a customer receipt prints in just 1.7 seconds. End of day reports take only a few seconds to print. The terminal is so quiet you can’t believe it actually is printing.

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The Hypercom T4100 is the easiest terminal to use ever made. There is an easy to read dedicated key for all of the major functions such as refunds, voids, settlement, etc. No more stupid instruction books that might as well be written in Chinese that they are so hard to understand. The green enter key is large and in just the right place.

This Hypercom T4100 is yours to use for free for as long as you process with us that we hope will be for many years. Should any equipment problems develop in the future that cannot be fixed by phone support then we will replace the unit for you overnight at no charge to you up to two times per year.

More good news – If you own a retail store then we will be happy to provide you a free Contactless Reader which attaches to your free terminal. With the new contactless cards that are now being issued by all of the credit card issuers your customer will simply wave their card in front of the reader and the sale is quickly completed. We have a dedicated website detailing this program at www.contactless-payments.com. In addition, where other terminals are considered smart card ready for the future, the Hypercom T4100 is smart card compatible which means if one of your customers had a smart card today you can accept it today.

The good news continues because the merchant account program we will set up is one of the best in the industry. Your transactions will be processed on the Global Payments network. Global Payments is one of the top networks and has excellent 24/7 toll free merchant support. As an added bonus, we will arrange for you to be able to view all of your transaction data online using Global Access Advantage. Cost for this valuable service – Free!

Finally, I am sure that you are thinking that since the terminal is free that maybe the rates are higher to make up for it. More good news – the pricing for this program is extremely competitive and usually less than other companies selling or leasing expensive equipment.

Here is the pricing:

MasterCard & Visa Debit / Check / Prepaid (Non- PIN Based)
.59 % + .28 per Transaction
MasterCard & Visa Credit Cards (Qualified Swiped )
1.69 % + .18 per Transaction
MasterCard & Visa Credit Cards (Mid-Qualified – Rewards Cards)
2.69 % + .18 per Transaction
MasterCard & Visa Credit Cards (Non-Qualified – Business Cards)
2.99 % + .18 per Transaction
Dues & Assessments
0.11 % (11 Basis Points)
Access Fees
2 Cents
Debit Cards (With PIN)
15 Cents plus Network Fee
External PIN Pad for Debit Cards (Optional)
$5.00 per Month
Debit Cards (With PIN)
15 Cents plus Network Fee
Discover Card (Almost the Same Rates as MasterCard & Visa)
Included Automatically
Monthly Minimum (Equates to Approx. $1500 in Sales)
$25.00
Monthly Service Fee
$7.50
Daily Batch Fee
10 Cents
24/7 Toll-Free Tech Support
Included
Application Fee
None
Setup Fee
None
Annual Fee
None
Termination Fee (Month to Month)
None
Hypercom or VeriFone Credit Card Terminal
Free Placement
Equipment Shipping
Free
Terminal Training
Included
Above Pricing Accurate as of:
October 2011
• As an option we are able to setup your American Express and Discover merchant accounts.

2. Free Wireless Terminal for Mobile Merchants

If you own a serious “on the road” business then we have a serious processing program designed just for you. This is not a program for the amateur hobbyist, but rather for those professional road warriors (or weekend warriors) who earn their livelihood selling in locations where landlines are just not practical. This unit is perfect for everyone from limo drivers, craft vendors, artists, pizza deliverers, and in-home contractors.

Our solution is the Nurit 8000 wireless battery powered terminal and printer combination with national wireless service on the AT&T GPRS network. It also has a phone port for regular landlines and a power cord plug in electric when available. This top of the line terminal is fast, compact, lightweight, and feature rich. This 4th generation terminal from VeriFone fits in the palm of your hand. It allows you to perform all the major functions you would expect including both credit and debit. It includes the highest level of encryption so that all transactions are transmitted securely. The Nurit 8000 has a large easy to read display screen and through its menu driven prompts and function specific hot keys easily walks you through each transaction type. A variety of reports is available to print not just today’s totals but batch detail for the past 60 days. The Nurit 8000 features a fast 12.5 lines per second thermal printer and contains a 12 hour rechargeable battery for over 200 transactions per charge.

A major reason for going wireless is that your swiped transactions will qualify for the favorable low rates not available for manually keyed sales. Credit Card Processing Services knows that if you are a serious road warrior then we had better come up with a great processing program to complement the free wireless Nurit 8000s. Well, here is our excellent pricing program:

MasterCard & Visa Debit / Check / Prepaid
(Non- PIN Based)
1.29 % + .28 per Transaction
MasterCard & Visa Credit Cards
(Qualified Swiped )
1.69 % + .18 per Transaction
MasterCard & Visa Credit Cards
(Mid-Qualified – Rewards Cards)
2.69 % + .18 per Transaction
MasterCard & Visa Credit Cards
(Non-Qualified – Business Cards)
2.99 % + .18 per Transaction
Dues & Assessments
0.11 % (11 Basis Points)
Access Fees
2 Cents
Discover Card
(Almost the Same Rates as MasterCard & Visa)
Included Automatically
American Express
(Inquire About Rate for Your Business Type)
15 Cents per Transaction
Monthly Minimum
(Equates to Approx. $1500 in Sales)
$25.00
Monthly Service Fee
$10.00
Daily Batch Fee
10 Cents per batch
24/7 Toll-Free Tech Support
Free
Application Fee
None
Setup Fee
None
Annual Fee
None
Nurit 8000 Wireless Credit Card Terminal
Free Placement
Monthly GPRS Wireless Fee
$15.00
Wireless Transaction Fee
5 Cents
Terminal Shipping
Free
Terminal Training
Free
Above Pricing Accurate as of
October 2011
• The above MasterCard & Visa rate is for qualified swiped transactions.
• Mid-Qualified transactions – Add .92 %
• Non-Qualified transactions – Add 1.27 %
• CCPS can also assist you with setting up your American Express and Discover merchant accounts.

The Nurit 8000 terminal will be shipped to you via Federal Express 2 day service at no cost to you. In fact if the terminal should ever malfunction it will be replaced for free. It doesn’t get much better than that.

3. Free Virtual Terminal for Home-Based or Office Merchants

Credit Card Processing Services recognizes that there are tens of thousands of small merchants that would like to accept credit cards to increase their business, but because of minimal credit card volume they do not want to or cannot justify spending several hundred dollars to purchase or lease a credit card terminal or to pay expensive monthly fees for one of the brand name virtual terminal gateways. As a new business this may be the perfect low cost merchant account program that you have been looking for.

Over the past ten plus years we have received hundreds of requests from small merchants who just want to accept anywhere from a few hundred dollars to a couple of thousand dollars in credit cards each month. So we decided to come up with what we believe is the best credit card program that instead of using a physical terminal uses a virtual terminal.

What type of merchant is our Free Virtual Terminal program best suited?

  • Merchants processing less than $2,500 per month
  • Merchants who process charges sporadically
  • Merchants who normally don’t have the ability to swipe a card through a terminal such as craft vendors, trades people, on the road sales, home-based businesses, and low volume low risk websites.

How does our Free Virtual Terminal program work?

Your business will accept credit cards from your customers in a manner appropriate for your type of business. This can either be via the Internet, over the phone, through the mail, or face-to-face using a manual imprinter (aka knucklebuster) while out in the field. You will then go to any computer and bring up the secure virtual terminal site using your user name and password which will take you to your merchant account screen. Here you will manually key in all of the relevant credit card data including the customer’s account number, expiration date, and dollar amount of the transaction. You will have the ability to perform Address Verification (AVS) by inputting in the customer’s street address and zip code as well as the 3 digit security code from the back of the credit card. Transactions are processed in real-time via the Internet in a matter of seconds and batches are settled automatically every day. Two to three business days later the funds arrive into your checking account. It couldn’t be simpler!

Is the Free Virtual Terminal really free – Yep!

Virtual Terminal Setup
Free
Virtual Terminal Monthly Fee
Free
Virtual Terminal Transaction Fee
Free

What are the processing charges for our Free Virtual Terminal program?

MasterCard and Visa Rate*
2.25 % + 25 Cents per Transaction
Monthly Statement Fee
$10.00
Monthly Minimum
$10.00
Application Fee
None
Annual Fee
None
• Above MasterCard & Visa rate is for manually keyed consumer cards with AVS.
• Business/Corporate and Rewards cards are billed at a slightly higher rate.
• CCPS can also assist you with setup for American Express and Discover.

Please tell me more about the Virtual Terminal

  • PCI Compliant (Payment Card Industry Secure)
  • Feature Rich
  • Extremely Easy to Use
  • 24/7/365 Live Support from Processor
  • Real-Time Transaction Data
  • Print a Variety of Useful Reports
  • Includes a Free Shopping Cart
  • Includes QuickBooks Interface

Now that you have read about our exciting programs we invite you to start the application process by completing the Merchant Application Worksheet. Should you have any questions please feel free to either call Kevin at 215-489-7878, toll-free at 800-717-1245 or send an email to Kevin@ccps.biz.

     

Today is
It is the perfect day to select CCPS
for your credit card processing.

Credit Card Processing Services, Inc. is a
Registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA

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