How to Find the Lowest Rates for Credit Card Processing?

Feb 28, 2012

Lowest rate credit card processing services?

As a business owner in today’s economy it’s important to cut costs, and keep a close eye on the various fees associated with processing your customers payments. A business owners should also look at other factors in regards to payment processing. Is your merchant provider depositing your funds in 24 hours, or are they taking 3-5 business days to complete a batch? Are you driving to the bank just to deposit checks for your business?

A business owner must also be aware of any annual fees they may be paying on their merchant account. There is a relatively new charge that merchants are seeing appear on their statements, PCI fees. This is a new security fee designed to keep merchants compliant with new security rules and regulations.

Knowing ALL the fees is important to keeping your cost of accepting payments low.

There are hundreds of offers online? How do I know which one is the best?

  • When choosing a merchant account, you should work with a broker, such as to help compare the most up to date offers from reputable processing companies.
  • Getting a low rate is important, but more important than getting a low rate, is getting the right type of merchant account for your business. Be sure to explain to your merchant adviser how you will be accepting payments, and what type of accounting system, and reporting needs your business has.

What about offers of 1.00%, or even 0.25%? Are these legitimate rates?

  • Business owners should be wary of companies offering rates that seem to good to be true. If you see an advertised rate of 0.25%, you are most likely seeing a “Cost Plus” or “Interchange Plus” rate, which means you will be billed the true cost of the transaction PLUS 0.25%. The effective rate then works out to be well over 1.75%
  • 1.00% rates, or 1.09% rates are often advertised, but when you look at the fine print you see that 1.00% is only for a select few debit cards.

At, all of the registered ISO’s within our credit card processing network have an A+ rating with the BBB, and with our proprietary quoting system, you can compare the features and ALL the rates and fees of each merchant provider and make an educated decision.

Choosing a credit card processing company is easy at please click on the quote image below to get started or call us at 1-800-621-4893


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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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