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.

Can I use someone else's merchant account to do my transactions?
No, this is an illegal practice known as "credit card laundering" or "factoring." Using someone else\'s merchant account to do you credit card transactions can lead to heavy fines and perhaps more.

Read more F.A.Q.

What is the High Risk Merchant?

Whereas for the most part businesses are simple to acquire a merchant account it is a hard time for the high risk business services that have getting a merchant account. High risk merchant - a merchant where credit cards transaction often could be at risk. Many of online businesses run by in fact high risk merchants that are extremely risky due to various reasons including high sales volumes and the resultant susceptibility to fraud. Such high risk merchants, even though making enormous profits, encounter considerable problems in accepting online payments due to non-availability of high risk merchant accounts.

Any businesses with one or more of the following characteristics can be categorized as a high risk merchant business:
• The merchant or his company is blacklisted by merchant account providers/credit card processing companies and/or banks for reasons of bankruptcy, fraudulent dealings or etc.
• The merchant’s credit history is poor or not consistent.
• The business is small with very insignificant volumes of sales and fewer numbers of transactions.
• The business is not registered as required by law or located in the countries with unknown or not clear law.
• The business generates large volumes of sales resulting in large number of transactions.
• The merchant runs any business such as telemarketing, travel, online pharmacy, gaming, ticketing, entertainment, downloadable software, etc.
Another problem to open the Merchant account if your business belongs to the following business categories that are classified as high risk:

Adult Sites and Products – This includes adult videos, adult toys, dolls, lingerie, sexy clothing, fetish items, sites that offer permission-based content, sexual enhancement supplements and products, bedroom apparatus and more.

Attorney/Legal Services - This includes lawyer fees and retainers, as well as other types of legal counsel

Auto Rental – This refers to automobile, bus, truck or van rental companies/services.

Bail Bondsmen – This refers to people or businesses that will post bail or bond for people who need to get out of jail but cannot raise enough money.

Buying/Shopping – This includes online shopping sites or any person or business offering a product for a sale either through the internet or from a traditional store.

Clubs/Wholesale Clubs - Membership-based shopping where customers may find extraordinary deals on a variety of items, many of which are sold in bulk

Casinos/Gaming/Sportsbook/Lotteries –Traditional, brick-and-mortar casinos and sports book information services.

Cellular Phones and Beepers – Online and brick-and-mortar sellers of cell phones, cell phone accessories, beepers, phone technology and wireless phone services. Keywords might include wireless, Bluetooth, mobile.

Check Cashing Services – This refers to businesses who will allow customers to cash checks outside of a bank

Coin Shops – coin collectors, coin sellers, traders and other businesses that deal with the buying and selling of rare or collectable coins

Collection Agencies – This includes credit and collection companies, as well as lawyers specializing in credit and collections. “Skip tracer” might be another keyword for this category.

Computer Store – Brick and mortar or online businesses that sell computers, PCs, Macs, peripherals, computer accessories, printers, external storage devices, software and more.

Contractors – general handyman services, major construction, masonry, landscaping, home repair, contract work.

Detective Services – private investigative work

Door-to-Door Sales – traveling salespeople selling various items

Downloading of Software –software and or programs available online for download, including office applications, games, security software and more

Escort Services/Massage Parlors -- men and women available for companionship and available for accompaniment to business/social functions

Fireworks Stores – businesses where fireworks, sparklers, pyrotechnics, firecrackers, rockets and missiles, aerials, novelties and more

General Warehouse/Storage – storage units for rent to private citizens and also businesses, public storage or warehouse space

Gravestone/Monuments –memorial grave markers, headstones, custom carving, flat monuments, tombstones, stone sculpture

Gun Shop – Online and brick and mortar firearm, firearm optic and firearm accessory sellers

Hair Restoration Services – wigs, weaves, custom hair pieces, techniques and other services related to hair replacement

High Volume/High Ticket -- businesses that process large transaction, high average monthly transaction

Home/Apartment Operated Business – businesses without a physical business address. Online businesses operated out of a person’s primary residence

Horoscope/Fortune Tellers – tarot card readings, physic readings, astrology, numerology and other related services performed via the internet, phone or in person

Industrial Supplies – industrial supplies, equipment, metalworking, tools, metal cutters, hand tools, power tools, repair parts. May also include safety supplies and equipment for industrial projects.

Investment Opportunities – independent investors, business opportunities, real estate, work from home, franchise opportunities

Jewelry Sales/Repair – precious, semi-precious, gold, silver, platinum or costume jewelry sold online or in person

Kiosks – booth with an open window for selling small items or services. They are often found in malls and other shopping centers selling newspapers, magazines, cigarettes, lottery tickets, lighters or other items like mobile phones, jewelry, handbags, T-shirts, seasonal items and more.

Mortgage Services/Securities Sales -- mortgages and mortgage consulting

Multi-level Marketing -- network marketing, independent salespeople of multi-level marketing referred to as distributors (associates, independent business owners, franchise owners, sales consultants, consultants, independent agents, etc) promote a business or service, direct selling

Night Clubs, Lounges, Discos and Dinner Theaters – Dining, drinking, dancing and entertainment establishments. May also include gentlemen’s clubs.

Outbound/Inbound Telemarketing/Phone Solicitation – call centers that are outsourced by other companies to sell a product or service or to accept, route and service customer service calls.

Offshore Accounts – businesses headquartered outside of the 48 contiguous states.

Pawn Shops – also pawnbrokers. Establishment where someone would go to put up an item as collateral for a loan. Once they repay the loan plus interest, they get the item back. If they don’t pay the loan, the item becomes property of the pawnshop and may be sold to other customers

Pharmaceuticals/Vitamins – health supplements and vitamins, as well as other types of medication sold through a store or online

Seminars, Educational – classes, lectures, courses or other activities designed to teach people a specific skill or technique

Stereo Sales, Home and Auto – audio equipment and accessories for the home or car sold through a traditional store or online.

Taxis/Limousines – Livery services, pick up and drop off to and from airports, business car services, luxury limousine services, party buses and specialty vehicles.

Tobacco Sales -- cigarettes, chewing tobacco, snuff, inhalable tobacco, pipes, water pipes, glass pipes, cigars, smokeless tobacco, tobacco accessories, flavored tobacco

TMF Merchants – Terminated Merchant File or merchants who have had their accounts turned off for various reasons

Telecommunications Equipment Sales – Dont need to comment and explain it.

Ticket Sales – tickets to shows, sporting events or other events where admission is required.

Time Share Sales – vacation property sold in spans of time, usually one to two weeks.

Travel – travel packages, travel groups, vacation packages,

Used Auto Sales – pre-owned cars, trucks, vans and SUVs

Water Purifiers – healthy water systems, filtration,

Weight Loss Centers – weight loss systems, supplements, and aids

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