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Applying for a merchant account is simple and takes just a couple of minutes. Simply fill out the sign-up form for a free quote on our website. There are absolutely no obligations.

Upon completing the form, it can take between 3 – 5 business days to get approved. We will notify you once you have been approved and promptly deliver the software or terminal equipment.

You will be able to begin accepting credit card transactions immediately after your approval. However, you will need to enter your merchant account information into the application. If you need the terminal equipment to accept credit card payments, you will need to wait until you receive it first.

Basic documents may be required in order to process your approval including proof of ownership of the company, a voided check, recent bank statements as well as recent tax returns.

With an EthosPay merchant account you will be able to accept Visa, MasterCard and Discover credit cards.

It varies based on your volume, history, financials and credit. We can work with you to secure multiple MID's to increase the amount you are able to process.

You will be able to accept international credit cards. However, all charges will be processed in USD.

Yes, as long as we can see enough information. Your website does not need to be open to the public in order to qualify, but we must be able to see basic information about products and pricing.

When we receive authorization for a transaction, we will make you aware of it so you can issue a receipt to the client and complete the sale. The card issuer will then bill the client and EthosPay will receive the funds. We will then transfer the money into your merchant account, which normally takes 48 hours.

Yes, you will receive a statement every month. We provide in depth transaction reporting that will make accounting your transactions a breeze! Works with most major accounting softwares including QuickBooks.

Yes, we have many high volume merchant accounts that have multiple MID's to better manage risk and balance their revenue streams.

We provide an advanced fraud scrubbing system that will stop more fraudulent transactions than other systems available. We also offer charge-back prevention 3rd party solutions that will help you prevent, fight and DRAMTICALLY lower your charge-back rate.

EthosPay uses standard credit card transaction encryption protocols to ensure secure transactions at all times. If fraudulent charges are made, the processing bank will be responsible.

EthosPay provides support by email or you can contact our support team at: (800) 280-5287

A merchant account is a specialty account which enables businesses to accept real time credit card transactions. It is a requirement to have a merchant account in order to facilitate payment methods such as Visa, MasterCard, American Express, Discovery, and others.

A payment gateway is a service which processes credit card transactions on your businesses behalf. When a customer’s payment information is sent to the payment gateway, it is checked to ensure it matches the information on file with the appropriate financial institution. It is at the payment gateway that a transaction is authorized or denied.

A merchant account is an online bank account which temporarily holds funds from credit card transactions until the money has cleared and is moved into an actual bank account. It can be thought of as a temporary pit stop for funds from credit card sales.

It is possible to have a payment gateway without a merchant account, but not a merchant account without a payment gateway. For example, you can redirect customers to a payment gateway’s website to complete a transaction, such as PayPal, where the money will be deposited into your PayPal account rather than a merchant account. However, it is generally more beneficial to keep customers on your website when making a transaction for which both a payment gateway and merchant account is required.

For small to medium sized businesses it is almost impossible to get accepted for a merchant account at a large financial institution such as a bank due to the range of criteria that must be met. At EthosPay we accept applications from businesses of all sizes with both low and high risks. To get a merchant account regardless of your situation, contact us at EthosPay today for fast approval and first class customer service.

If you still can’t find the answer to your question please contact us online.

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