If you are a high risk merchant, an offshore merchant account is the perfect solution to your processing needs. You have the payment processing power to blaze ahead and meet your goals. Money flows in. Your business prospers and grows.

Click HERE, for pre-application form.

EnablePay Helps Merchants Eliminate Unnecessary Credit Card Transaction Fees

Savvy retailers feeling the economic pinch on their profits are looking for smart ways to reduce unnecessary spending. One such area - credit card and debit card processing fees - has long been a part of "simply doing business." But these merchant card transaction processing fees have recently come under increasing scrutiny as credit and debit card industry rates have been made more transparent. Recognizing the need to provide a better option to merchants, a group of payment card and financial industry veterans launched a new company - EnablePay - in mid 2007, to help retailers and other merchants keep more of their profits. Today the company is announcing that, following the closing of a $2 million private placement last July, it plans to expand by opening additional offices in New York and Indiana. Merchants looking for savings and better customer service are encouraged to contact EnablePay at 1-866-509-1322 or by visiting http://www.EnablePay.com and to send in their most recent merchant services statement for analysis so they can compare and see exactly what type of savings EnablePay can offer.
EnablePay eliminates several layers of resellers and instead provides a direct service for its merchant customers. The company has a direct relationship with one of the largest processing companies in the world which, combined with its efficient infrastructure, enables merchants to save money. Since EnablePay doesn\'t rely on independent sales agents, but services each of its merchants directly, it is able to charge one low fixed fee and pass through other expenses at actual cost.

Industry Veterans
The company was founded in mid 2007 by Stephen Erickson, CEO and Patrick Creaven, Chief Compliance Officer. The executive team is rounded out with Chris Dengler, Chief Information Officer; Jeffrey D. De Petro, Chief Operating Officer; and Trent Williams, Chief Marketing Officer. All the executives have held senior management roles in finance, sales and customer service.

Erickson, a former Chief Financial Officer at credit card processing company EVO, has also held executive level positions at Coopers & Lybrand, Goldman Sachs and Bear Stearns. He is a CPA and holds an MBA from NYU\'s Stern School of Business as well as Bachelors and Masters degrees in accounting from the University of Illinois at Champaign/Urbana.

His vision was to develop a company that could provide a high level of customer service for merchants that wasn\'t based on middlemen who added little real value to the transaction process. That realization led him to develop a new approach for card processing services that makes card processing services directly available to merchants. EnablePay is the embodiment of Erickson\'s realization, and he has focused all his financial skills and experience into transforming the merchant services card processing business model.

FREE Credit Card Machines Offer from Total Merchant Services

Credit cards drive revenue for businesses both online and offline. Yet, many companies are not established with reliable or quality merchant services as they fear that the costs are too substantial.

Total Merchant Services has solved this dilemma for businesses. Now, businesses can select from several credit card terminals for FREE when they become customers of Total Merchant Services. So, with the option of obtaining a free credit card terminal, Total Merchant Services has removed the financial obstacle getting in the way of businesses being able to leverage this tremendous revenue generation tool.

Total Merchant Services understands that no two businesses are alike. So, they pride themselves on working with their clients to select the best credit card machines and services for their business needs.

“We pride ourselves on offering the most competitive rates in the industry, world class customer service and flexible payment options,” says one of the company owners.

So, whether the customer is looking for wireless, handheld or traditional credit card machines, Total Merchant Services has the solutions.

Merchant Services Providers News
Heartland Payment Systems Acquires Controlling Stake In CollectivePOS, a Canadian Merchant Services Provider

Phone: 1-215-942-7843

Call us to find out ALL your options to solve your merchant account problem.

Why can't I just establish a Merchant Account through my current local bank?
However, you'll probably discover that when it comes to smaller businesses, especially ones that are startups, home based or online, the vast majority of the banking establishment would prefer not to have these types of customers.

Read more F.A.Q.

Merchant Service Glossary

Acquiring Bank
This is the status of a Visa/Master Card member bank that establishes and maintains the merchant relationship and processes all merchant transactions.

Address Verification Service (AVS)
Process used by a credit card processor or other party to verify that a customer\'s ordering address matches their records. AVS is a tool for merchants to reduce the risk associated with card not present transactions, such as mail order, telephone order or Internet transactions. The billing address given by the customer is passed in the transaction and it is checked against the billing address on file at the customer\'s card issuing bank.

Automated Clearing House
An ACH transaction is an electronic fund transfer through the Federal Reserve Bank from a checking or savings account

Authorization
The process of checking the validity and available balance of a customer\'s credit card before the transaction can be accepted. The process whereby a transaction is approved by an issuing bank, authorized agent, or Visa/MasterCard on behalf of that issuer, before the transaction is completed by the merchant via telephone or terminal.

Batch Processing
This occurs when a merchant transmits the "batch" of daily sales for processing. An "open" Batch is one that is not yet "closed." Batching generally occurs at least once per day.

"Card Not Present" Merchant Account
An account that allows merchants to process credit cards without a face to face transaction with the purchaser.

Certificate Authority
A Certificate Authority (CA) is a third party which verifies the identity of merchants and their sites. The certificate authority issues a certificate (also called a digital certificate or an authentication certificate) to an applicant company, which can then put the certificate up on its site.

Chargeback
A chargeback is the result of an action taken by a cardholder who disputes a credit card transaction through their credit card issuer. The card issuer initiates a chargeback against the merchant\'s account. The sale amount of the disputed transaction is immediately debited from the merchant\'s bank account. Merchants have 10 days in which to dispute the chargeback. This may be accomplished by providing the card issuing bank with a proof of purchase by the cardholder. This could be a signature or proof of delivery. A chargeback fee is generally assessed to the merchant account by the merchant bank for the handling of this process.

CVV2
CVV2 is a three digit security code that is printed on the back of most credit cards. The CVV2 program is designed to reduce fraud in the card not present environment by validating that a genuine Visa/MasterCard credit card is being used during a transaction.

Delayed Settlement Processing
Once a transaction has been authorized, the merchant must ship the hard goods before a transaction can be settled. Delayed settlements are stored online until the merchant selects the transactions for settlement.

Digital Certificate
A Digital Certificate issued by a Certificate Authority certifies that a merchant and a particular website are connected, just as a photo on your driver\'s licence connects your identity with your personal details. A digital certificate verifies to the shopper that the virtual store is actually associated with a physical address and phone number which can increase the shoppers confidence in the authenticity of the merchant.

Discount Rate
A fee taken by the bank as a percentage of all sales transactions. If the discount rate is 2.50%, for example, the discount rate fee is $2.50 for a $100.00 charge. There different discount rates for each transaction type: Qualified, Mid-Qualified and Non-Qualified. Mid-Qualified is higher than Qualified and Non-Qualified is higher than Mid-Qualified.

Gateway
This is a service which connects the shopping cart with the card processor. Essentially, the gateway accepts the data in the shopping cart\'s format, translates it to the card processor\'s format and sends it to the card processor. It then does approximately the same thing, but in reverse, when it returns the authorization and other codes to the shopping cart.

Merchant Account
A "bank account" established with a payment processor for the settlement of credit card transactions. Any merchant who wants to take credit card orders must establish a merchant account. Internet merchants need a "Card Not Present Merchant Account."

Mid-Qualified
A card not present transaction, which includes the billing address being passed for an authorization or sale transaction. This also applies to Loyalty/Reward cards. The discount rate for this transaction is higher than the discount rate for a Qualified transaction.

Non-Qualified
A card not present transaction, which does not include the billing address being passed for an authorization or sale transaction. This also applies to charges on Government, Corporate, Foreign Cards and some Loyalty/Reward cards and when sales transactions are not batched within 24 hours. The discount rate for this transaction is higher than the discount rate for a Mid-Qualified transaction.

Off-Line Transaction Processing
Capture of order and credit card information for later authorization and transaction processing through a traditional card swipe terminal or through a computer.

Order Confirmation
An email message notifying a customer that an order has been received and will be processed.

Order Management System
A system that accepts orders and initiates a process that results in the outbound shipment of a finished good.

Qualified
These transactions are card present, a retail transaction that is card swiped and the merchant batches out at the end of the day.

Real Time Credit Card Processing
On-line authorization of a credit card number in real time informing the merchant that the card has been approved.

Refund Policy
How (and to what extent) will the merchant guarantee products or services sold to a cardholder? Merchant Banks require a written refund policy for each applicant, as a liberal refund/return policy may encourage the reduction in the number of chargebacks that a merchant receives.

Reserve
A practice in which a percentage of the sale amount is retained by the Merchant Bank to protect themselves against catastrophic losses.

Secure Server
All Web servers that handle credit cards should use SSL (secure socket layer) encrypted communications. While a secure server discusses sensitive credit card information with the customer, anyone eavesdropping on this electronic conversation (through any Internet computer) between browser and server will only see illegible data. Of course, it can\'t protect the customer from someone watching over the customer\'s shoulder.

Shopping Cart
As used on the Internet, a shopping cart is analogous to choosing items in a grocery store and placing them in a shopping cart for eventual purchase. Chosen items are grouped into a single purchase (Shopping Cart) so that only one electronic purchase need be completed.

Settlement
Once the goods have been shipped to the customer, the merchant can key a transaction for settlement at which time the customer\'s credit card is charged for the transaction and the proceeds are deposited into the merchant account.

SSL
Secure Socket Layer is an encryption technology on the server that scrambles important data such as credit card numbers and order information when it is being stored or passed from one computer to another. This is a certificate which is installed on a secure server. It is used to identify the merchant using it and to encrypt the credit card, and other sensitive, data. See "Secure Server."

Shipping Confirmation
An email message that notifies a customer that an order has been shipped.

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