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 exactly is a Merchant Account?

Today a majority of credit card transactions are sent electronically to merchant processing bank for authorization, capture and deposit. The method of processing credit cards will vary by industry. In all circumstances either the entire magnetic strip is read by a swipe through a credit card terminal/reader or the credit card information is manually keyed in to a credit card terminal, a computer or website. Whenever practical it is best to swipe a credit card because the rates will be much lower and the incidence of stolen credit card number fraud is greatly reduced.
A Merchant Account has a variety of fees, some periodic, others charged on a per-item or percentage basis. Some fees are set by the merchant account provider, but the majority of the per-item and percentage fees are passed through the merchant account provider to the credit card issuing bank according to a schedule of rates called interchange fees, which are set by Visa and Mastercard. Interchange fees vary depending on card type and the circumstances of the transaction. For example, if a transaction is made by swiping a card through a credit card terminal it will be in a different category than if it were keyed in manually.
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