APPLY FOR A CREDIT CARD MERCHANT ACCOUNT FROM E-COMPLISH

WHAT IS A MERCHANT ACCOUNT?

This is the first step in accepting and processing credit and debit cards. Using E-Complish, we not only can automate your payments through our various products, but we can also start you down the path with the basics of obtaining credit card merchant account.

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Opening a Merchant Account may seem intimidating, but it’s actually a simple process with almost immediate benefits. The ability to accept and process a wide range of major credit cards can help your business increase sales. A credit card merchant account requires filling out a simple application and providing some items for proof of business. Your business bank account will be the default destination for settlement of funds as well as the account where transaction fees will be debited.

How to Setup an Account:

Completely filled out and signed credit card merchant application
Be in Business for at Least a Year
Have a Physical Location – not a Post Office Box
Provide your EIN (Employer Identification Number), also known as your Tax ID number
Provide any Business Licenses that Your Business is Required to Maintain
Provide Articles of Incorporation and Be in Good Standing with the State of Incorporation
Have an Open Business Checking Account
Not be a Prohibited Business Listed Below
If a High-Risk Business, You will be Required to Provide Additional Paperwork (Listed Below)

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Merchant Account Benefits:

Acceptance of Credit, Debit of Health Savings Account (HSA) Cards
Competitive Advantage that Increases Sales. It is a known fact that a Consumer will spend more when given the opportunity to use credit cards over cash or check.
Money Management- electronic payments will help keep you organized and allow for better cash flow management and forecasting.
No more bad checks. Credit Cards avoids the irritation and expenses associated with bounced checks.
Return Customers. Expect return customers simply because it gives them the flexibility to make purchases in different ways.

Other E-Complish Services

PROHIBITED MERCHANTS/INDUSTRIES

We do not provide Merchant Accounts for the following types of Merchants:

Business Practices Promoting Racism, Violence, Abuse, Discrimination or Other Immoral Activity
Illegal products/Activities of any Kind
Intellectual Property Rights Violators
Airlines
All Adult Entertainment, sexually oriented or pornographic merchants, including but not limited to: Adult telephone conversations; Internet sex/porn; Adult pictures & photos; Misc. adult entertainment (not elsewhere classified)
Collection Agencies
Credit Repair Services
Stolen property
Internet Tobacco Sales
Drug Paraphernalia
Escort or Dating Services
Gambling Establishments
Lottery Sales
Massage Parlors (unless licensed for physical therapy)
Multi-level Marketing
Time Share Sales

Bankruptcy Lawyers/Firms
Travel Agencies
Age Verification Services
Adult Videotext Merchants
Negative Option Billing
Outbound/Inbound Telemarketing
Internet Pharmaceutical Sales
Long Distance Services
Pre-paid legal advice/services
Cable box de-scramblers
Internet/Mail-Order designer/imitation handbags
Internet/Mail-Order watches
Male or Female Sexual Enhancement Supplements or Products
Pre-Paid Phone Cards
Internet Perfume Stores
Annual Billing with High Average Tickets
Matrix Merchants
Downloadable Software
Internet as Seen on TV Products
Knock off Athletic Shoes
Sunglasses
Medical Advice
Human Growth Hormones
Check cashing services

Counterfeit items, including but not limited to Currency; Coins: stamps: Counterfeiting equipment; Trademark infringement items
Investment opportunities
Pyramids/Ponzi Schemes
(Canada Only) Animals and Wildlife products classified as endangered or protected
(Canada Only) Business Opportunity (get-rich-quick schemes)
(Canada Only) Buying/shopping clubs
(Canada Only) Chain letters
(Canada Only) Credit card protection (including identity theft protection
(Canada Only) Cruise lines
(Canada Only) Extended warranty companies
(Canada Only) Flea Market/Kiosk Operators (defined as firms/individuals operating from a booth, whether indoor or outdoor, on a part-time basis, with no lease or telephone availability)

(Canada Only) Free gift, prize, sweepstakes or contest as an inducement to purchase a product/service
(Canada Only) Gaming, including horse and dog racing
(Canada Only) Hazardous and/or restricted materials
(Canada Only) Hair restoration
(Canada Only) Human parts and remains
(Canada Only) Investor clubs
(Canada Only) Products with unreasonable guarantees
(Canada Only) Pseudo-pharmaceuticals (anti-aging pills, sex nutrients, etc.)
(Canada Only) Sports forecasting or odds-making
(Canada Only) Third Party Payment Processors (Aggregators)

HIGH-RISK MERCHANTS/INDUSTRIES

The following Merchant types are historically prone to higher levels of chargeback and fraudulent activity. These Merchants will be subject to escalated UNDERWRITING procedures, which may include a High-Risk Plan.

Answering Services
Diet Centers
Health Clubs
Internet Access Providers
Investment Opportunities

Liquidators
Auto Accessories/Tire Rims
Motivational and Self-improvement Courses
Non-Retail Pawn Shops

Seminars
Tanning Salons
Vitamin/Herbal Supplement Sales
Water Purification
Non-Retail Jewelry

Electronics including Laptops and Computers
Cellular Phones and Pagers
Non-Retail Computer Hardware and/or Software sales.
Legal Advice and Kits

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READY TO GET A CREDIT CARD MERCHANT ACCOUNT?

I have read the guidelines and I am ready to sign up.

ADDITIONAL HIGH-RISH CREDIT CARD MERCHANT TYPE REQUIREMENTS

Additional UNDERWRITING requirements for the High-Risk Merchant Types may include:

The latest business/financial statements
A detailed description of how the Merchant conducts business relative to deliveries, deposits, sales procedures and return policy
Marketing Materials

Copies of printed sales material, print ads, and electronic media
Personal guarantee of signatory with greater than or equal to 50% ownership in the corporation
Additional Business References

Merchant Account News

Now Here is the Exciting News! Once you have your Credit Card Merchant Account, you have opened the door to all of the E-Complish Payment Processing Systems that help you process your new Credit/Debit Card Transactions. BooYah!

VirtualPay – Representative Facing Payments
HostPay – Consumer Online Payments
MobilePay – Consumer Mobile Payments
Text2Pay – Consumer Payments via SMS/Text
EBPP – Electronic Billing and Payment
RecurPay – Recurring Payments

CONTACT E-COMPLISH TO GET A MERCHANT ACCOUNT

E-Complish has been a trusted leader in the Payment’s industry since 1998. Our expertise is second-to-none; increase ROI and operate your business more efficiently to increase your bottom line.

When you sign up for an E-Complish credit card merchant account, we’ll work with you to get up and running as soon as possible. Implement a solution that meets your unique business requirements. Contact our team online, or call toll-free at 888-850-5318.