Merchant ID Number Lookup: What Is a MID?

Jan 22, 2019

Each online merchant gets his/her unique merchant identification number or MID for credit card processing. Computer networks use these numbers for merchant identification, so they can see who’s behind every transaction processed. If you’re interested in MIDs and merchant ID number lookup, keep on reading this post.

Merchant ID Number: What You Should Know

You, as a merchant, need to have a specific identification data to be able to process sensitive confidential information safely and in a timely manner. A merchant identification number is mandatory if you want to augment merchant identification across networks. Also, this number is a must for channeling transactions via the appropriate routes.

MIDs are like email addresses, only they don’t change. So, this simple little code plays an immensely important role in completing all kinds of transactions.

Think of MIDs as business equivalents of bank account numbers. As such, MIDs aren’t recorded publicly and no one can search them through a publicly available outlet. However, big businesses with multiple merchant account IDs can make use of certain internal tools or invoices for the identification of a subordinate unit by name when only an ID number is available.

When you process card transactions over a computer network, these networks don’t operate in isolation. In fact, they’re in close interconnection with the given front-end processing center associated with the card, as well as the network related to back-end settlement. The mentioned networks get connected internally through a gateway.

So, your merchant account features a MID, one or several terminal identification numbers or TIDs, as well as a gateway identification number or GID.

What your merchant identification number does is to uniquely identify you. When it comes to the TID, the latter specifies a certain profit center, location or facility that’s involved with the completion of card transactions. As for the GID, this number is responsible for identifying the very network gateway from which card transactions from the merchant get routed.

As you see, your merchant identification number specifies you, as a merchant. However, all of the identifiers together give confirmation for each transaction facet to add to the level of security.

In fact, it’s not a requirement to have only one merchant identification number. However, a single merchant ID will do. Anyway, you can get a new MID when, e.g., changing your payment processor.

Merchant ID Number Lookup

No matter you’re running a physical or eCommerce business, processing card payments makes up part of your operations. However, just processing payments isn’t enough: you should be able to processes them safely and securely. That’s where a merchant identification number comes into play: it ensures payments reach their destination without any issues.

If you’re interested in merchant ID number lookup, consider turning to to get answers to all your questions. EMB is a reputable credit card processing company with an A+ rating from the BBB and an A rating from Card Payment Options. is committed to providing the most secure, reliable, affordable, and fast payment transactions both to low and high risk merchants. By the way, EMB is considered the best high risk processor in the US.

MIDs come with their own specific rules for transaction authorization. This also refers to the processes when transactions are deposited and qualified. Besides, each MID also has its own base discount rate. Card association rules ensure different payment transaction types don’t get mixed.

Be aware that the lengths of these numbers vary in accordance with the backend platform they’re boarded on, meaning your MID is associated with the backend platform your processor uses. As a rule, you can find your MID on the sticker on the side of your credit card terminal and on the top right corner of your monthly statement

To summarize, a MID is a one-of-a-kind number that you get attached to your merchant account. It’s used to identify your merchant account when completing payment transactions, adjustments, chargebacks, monthly fees, and more. So, your MID accompanies you while you’re communicating with your processor and the other parties.

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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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