You may lose some business if you are not set up to accept credit cards. However, in order to process credit cards directly through our API (Payer’s interface), you must first establish an online Merchant Account. Due to the inherent "card not present" nature of online credit card payments, the business requirements and costs for establishing an Internet Merchant Account are much more restrictive than for “brick and mortar” establishments, and are often prohibitive for many companies. In addition, if not properly managed, excessive charge backs and returns can result in the lose of Merchant Account status and future ability to accept credit cards.

What is a Merchant Account?

A Merchant Account allows businesses to accept credit card payments from their customers for their goods and services. Businesses can acquire a Merchant Account from either a bank, or an Independent Sales Organization (ISO). The Merchant Account provider is responsible for processing credit cards securely and depositing the funds into the Merchant's bank account. The Merchant in turn is responsible for providing the goods and services, as paid for by their customer.

How can I get a Merchant Account?

If your company qualifies, we can help you establish your own Merchant Account through our affiliate On Line Data Corp.
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