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Merchant Accounts:  A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment card transactions.  It is proven that people inherently spend more money at your business when paying by credit card.

Retail:  A Retail Merchant Account is essentially a merchant who will be processing the majority of their transitions with the customer's card present at the time of sale.  This is considered "swiped" transaction which comes with "Pass Through" lower rate.  Our secure credit card processing solutions enable business owners to process credit card payments easily and affordably. 

Because the credit card is present at the time of sale, risk is lowered and there is less of a concern for fraudulent transactions.  And due to this reduction of risk, Retail Merchant Account rates are among the lowest rates.