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 Tired of shopping online for the best credit card processing solution? Look no further.
Here′s a no-hassle, risk-free way to easily begin accepting credit cards today. Process credit card orders by phone, by mail and securely from your web site. - Get Your First Month FREE
- 2.09% + $0.25 Guaranteed Low Rate
- FREE PC-Based Virtual Terminal (A $195.00 Value)
- NO Contract Term. Cancel Anytime.
- NO Annual Fees. NO Cancellation Fees.
- Includes everything to accept secure, online orders.
- Accept All Major Credit Cards ( Visa, MasterCard, American Express, Discover*)
- Trusted system used by 200,000 merchants!
$23.90/month |
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FREE TRIAL We know you have no shortage of selections when choosing a merchant services company to accept credit cards. But how do you know who to pick without getting locked into a contract or getting equipment you can′t return? Try Merchant Advisors free for one month. If at the end of your 1st month you don′t agree that our level of service is everything you expected, then cancel your account no questions asked.
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FREE VIRTUAL TERMINALOur Virtual Terminal is like an Internet-based credit card processing machine. You can connect to your secure Virtual Terminal using any Internet browser such as Internet Explorer. Works on any Internet browser.
Learn More »
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Free Payment GatewayOur QuickCommerce Payment Gateway gives you everything you need to connect your web site payment page or shopping cart to accept online payments in real-time. Learn more about our payment gateway or our compatible list of shopping carts.
Learn More » |
*American Express requires separate approval. |
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| What is a Virtual Terminal? |
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|  | We provide all the technical documentation for you, your web master, designer or programmer to complete the integration process. Many programming formats are provided to make the integration process as simple as possible. |
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|  | Check out our list of supporting shopping carts that have already integrated with our gateway. There is no programming required. Cut and paste and your ready to go! Click Here for shopping cart compatibility list.
Don’t see your shopping cart on the list? Looking to use another gateway with our merchant account? No problem. Merchant Advisors will gladly worth with your existing gateway to set up your merchant account. We’ll also help if you have questions on what processing options you have with your current shopping cart solution. We’re here to help. |
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|  | Our recurring billing features offers a robust, yet easy to use recurring billing system that can be configured to suit the needs of your business. Membership dues and subscription fees are examples of products and services that are typically billed on a recurring basis. It is the perfect solution that allows you to set up regularly scheduled payments, such as dues for membership services or installment payments. Recurring billing offers you improved profitability, security as well as better control and predictability over your cash flow.
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| Comprehensive Online Reporting |
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|  | The Reports tool allows you to view all credit card Settlement Reports (Sales, Pre-Auths, Credits, etc.) by date, by credit card number, by order number, or by Customer ID. You can also see when a batch was run, how much the batch totaled, and which transactions were included in the batch. In the credit card Transactions Reports, you can review Address Verification System (AVS) results or learn the reason a specific transaction was declined.
Fraud Protection Developing and maintaining a current negative database of payment types and customers that have caused you problems or have committed fraud is useful in helping your business reduce costs and maintain profits. The Transaction Manager Fraud Protection system allows you to lock out, or unlock, certain credit cards, individuals, and/or countries that you choose not to support. This feature enables you to monitor your system for fraudulent transactions and set specific parameters for which types of transactions you will not accept. |
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|  | The Administration tool is used to define processing and security settings for your account. You provide all of your pertinent information such as company name, merchant username, and password. You may also choose from the payment acceptance options available and provide security, processing, and access group instructions. Remote Processing functionality is also accessed through the Administration tool group.
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|  | The Order Processing feature allows you to generate reports of all of your open or unshipped orders so that you may process and label them closed or shipped. You may also generate reports of all your closed or shipped orders for review or accounting purposes. |
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|  | Industry-Leading Security - Your customers can be confident that their data is secure. The gateway protects sensitive customer information using the highest levels of SSL (Secure Socket Layer) authentication, encryption and security protocols available in the industry. SSL encryption protects information being transmitted across the Internet from third parties.
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|  | Choose a method that's right for your business: link to the QuickCommerce secure hosted payment form, host your own secure payment form, or use one of our certified shopping cart solutions. |
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| Application Fee |
$0.00 |
| Set Up Fee |
$0.00 |
| Wholesale Wireless Terminals |
See Equipment Page |
| Wireless Access Fee |
$15.00 |
| Transaction Fee |
$0.19 |
| Visa/MasterCard Discount Rate* |
1.59% |
| Statement Fee |
$8.95 |
| Monthly Minimum |
$25.00 |
| Annual Fee |
$0.00 |
| Batch Header Fee |
$0.30 |
| American Express and Discover Set Up |
FREE |
| AmericanExpress Rate |
See Chart Below |
| Discover Rate |
1.69%/$.19 |
| Cancellation Fee |
NONE |
| Contract Terms |
Month to Month |
| Downgrades: |
See Explanation |

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| American Express Rates - 3.10%-3.25% |
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|  | - Visa/MC Discount Rate
The percentage rate assessed on the sales processed through your merchant account.
- Statement Fee
Included in your statement fee is your unlimited access to 24/7 merchant support to assist you with any questions you may have regarding support of your equipment, processing and billing questions. Additionally, a paper statement is mailed to you on a monthly basis detailing all your processing activity for the prior month.
- Monthly Minimum
A monthly minimum is the total amount of discount and transaction fees assessed to your account. You are billed only for your monthly minimum or your total fees that are assessed, whichever is greater.
- Contract Term
We currently have no contract term for our Free terminal program. You are free to process on a month to month basis and cancel anytime with written notice.
- Batch Header Fee
A fee assessed to electronically submit an accumulation or -batch- of authorized transactions for settlement and merchant funding.
- Downgrades
Non-qualified Surcharges also known as -downgrades- are a result of transactions that are assessed higher fees from Visa and MasterCard and are passed on to the merchant. Some non-qualified surcharges occur on specific cards (i.e. Visa Signature Card, Visa Infinite Card, MasterCard World Card, and -foreign- cards issued outside the United States ) as well as commercial cards such as Fleet Cards, Corporate Cards, GSA cards and Purchase Cards. A transaction can also be classified as non qualified if it does not contain all the attributes of a qualified transaction (i.e. batching out the same day a transaction was a uthorized, key entering a swipe transaction)
* Limitations Apply (0.0010 Visa/MasterCard assessment fee applies) |
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The customer places an order with their credit card directly through your web site shopping cart or as entered manually from your virtual terminal. -
QuickCommerce is sent authorization request and securely sends request to Customer's Credit Card Issuer to verify card and if funds are available. -
Approval or Decline response sent back to QuickCommerce in a secure, encrypted format. -
With approved credit card transaction, you can fulfill your customer's order. -
Merchant sends settlement request (batch) to QuickCommerce and QuickCommerce settles batch with Merchant's account provider (Merchant Advisors). -
Merchant sends settlement request (batch) to QuickCommerce and QuickCommerce settles batch with Merchant's account provider (Merchant Advisors). |
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How long does it take to get approved?
Same Day approval on Retail merchant if your application is received by 11am. Same day approval for ecommerce merchants under $10,000/month. 48-72 hours for larger merchants.
How will I know when I’m approved?
You’ll receive a welcome email including everything you’ll need to get started using your approved merchant account. We’re always available via phone to answer any questions during set up.
Will training be provided?
We’re happy to answer any question you may have on setting up and using your new merchant account. For question relating to integrating the gateway to an unsupported shopping cart, it is best to have your technical person call us so we may assist.
How soon will I have access to funds?
Normally, settled funds for Visa/MasterCard are deposited into your business checking account within 48 hours. Settled funds for American Express and Discover may take 72 hours and will show as separate deposits on your bank statement.
Can I use my existing business checking account?
Yes.
Can I still apply with bad credit?
Yes! We boast one of the highest approval ratings for new merchant accounts. We welcome you to apply. We also offer 100% money back guarantee if you’re not approved for any reason.
If I need help, who do I call?
For general questions during business hours, call 800-870-7622. For questions regarding operation of your merchant account call support help line 24/7 located on your terminal or in welcome kit provided.
What credit cards can I accept?
Merchant Advisors enrolls you to accept Visa, MasterCard, American Express and Discover.
We also offer authorization for other major credit cards. If you already are enrolled for these, let us know your Account numbers and we will notate our files so you can process using your existing accounts.
Can I accept debit cards?
You can accept debit cards for debit networks throughout the United States. Contact your sales representative to enroll you in a debit card program. This program is included with our Free Terminal Program.
How are my monthly fees paid?
Monthly fees are automatically debited from your business checking account the end of each month. There is no need to send in a check to pay fees. A detail of all fees is provided in your monthly statement to reconcile your accounting.
What are my monthly fees?
Monthly fees vary based on the type of your account. All merchants pay a monthly minimum, a statement fee, and a Discount Rate and Authorization fee on every transaction. Refer to your Merchant Bankcard Agreement for your specific fees.
How do I update my account address or telephone number?
Contact our office to complete a change request form. Changes will be made in two business days of receipt of request.
How do I change my Doing Business As (DBA) in your records?
This change requires a signature from the account guarantor. There is a $15.00 fee for DBA changes which will be deducted from your business checking account. The name on your business checking account must match your DBA or corporate name. Changes will be made in two business days of receipt of request.
How do I change the Direct Deposit Account (DDA) my batches are deposited into?
This change requires a signature from the account guarantor. There is a $15 fee for DDA changes which will be deducted from your new business checking account.
Can I have other people as signers or contacts on my merchant account?
The guarantor completes and signs a Contact Change form. The contact is only allowed to obtain account information; the guarantor must still authorize changes. If you need to change the guarantor, please call us.
Can I place a hold on my merchant account?
We can close your account for up to four months and will charge a $15.00 reopen fee. After four months the account falls off our processor system and the merchant must reapply. Other vendors providing a service to you may assess a separate reactivation fee.
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ShopSite™ is the easiest-to-use shopping cart software for small to medium-sized businesses. Virtually anyone can have a ShopSite Storefront online in as little as 15 minutes. If you already have a Web site, you can add "orderanywhere" buttons to your existing site. If you are HTML savvy, you can fully customize the look and feel of the site by modifying existing templates or building your own. Try a free demo and learn first hand why thousands of successful merchants prefer ShopSite.
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ProductCart
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iSell Shopping Cart
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PepperCart
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VirtualStore 2000
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StoreFront
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Comersus ASP Shopping Cart & Mall
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Cart Manager
CartManager is perfect for the small to mid-size business that wishes to sell products on the Web with a "big business" presence. Unlimited products and orders, customizable, real-time shipping calculations, simple and secure checkout, eBay and QuickBooks integration, and phone and email support. CartManager is a PCI/CISP compliant shopping cart.
WebShopz Shopping Cart Software
WebShopz is an easy to set up and maintain shopping cart program that has been certified by Authorize.Net®. It provides you with the ability to manage your customer, product, and order information and so much more. Sign up to use WebShopz free for 30 days. No credit card required.
1ShoppingCart.com
One of the earliest established eCommerce providers online, the 1ShoppingCart.com PCI/CISP certified eCommerce solution is perfect for any small or medium business; providing all the tools you need to run, market and grow an online business in one simple online control panel. Easy plug-and-go site integration makes this a solution for everyone! With over 11,000 thriving businesses taking advantage of our all-in-one solution and free in-house support we have everything you need to succeed online.
EasyStoreCreator
Do-it-yourself online Webstore builder/shopping cart. Directly integrated with Authorize.Net for easy payment processing. No programming required, simply point and click to build your site. Live support offered to assist any time you need it when building your store. Real time shipping rates from USPS, UPS, Fedex, and DHL. Inventory control and marketing features such as coupons, special pricing etc. Completely customize your online store in just minutes. No risk 45 day money back guarantee.
Internet Commerce Engine 5
ICE5 is not a typical shopping cart program, but a new breed of software that covers all aspects of taking on the E-merchant challenge. Its comprehensive Back Office Program gives you complete power and control over product inventories, order fulfillment, shipping, and payment processing.
MyWebSiteTool
Free live 30 day trial. Unlimited use, great for any size business. Easy-to-understand setup instructions will have you taking orders securely with a few clicks. MyWebSiteTool.com works with any web site. Customize your secure shopping cart or secure online form with your site logo, colors and layout. Cart Features: html tools, import export data, discount coupons, reward points, shipping or quantity specials, purchase order history, and much more.
King Cart Services
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B2I_Shopping_Cart
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Freedom Networking Solutions
Advanced shopping carts and complete turnkey e-commerce Web stores and Web sites customized to your unique needs.
eCOMpal
eCOMpal is a shopping cart on steroids. In addition to shopping cart functions, eCOMpal has many options that enable you to: communicate more effectively with your prospects and customers; improve your marketing; increase your sales, do your accounting; and fulfill your orders. As you grow you won’t have to change carts to get the additional functions you need to sustain your growth.
Advanced Cart v2.07
Now you can have the luxury of an advanced shopping cart that is very small but powerful. And, once you buy it, it’s yours to include with your Web site in your hosting account. It is fully customizable by pre-configured strings in the asp file that you configure. It’s easy as 1-2-3. Selling to customers couldn't be easier!
POWERSTOREASP™
PowerStoreASP is a scalable e-commmerce solution written in the latest .NET code. PowerStoreASP requires substantial custom .NET programming which True Digital provides. PowerStoreASP is template-driven, giving developers unlimited choices for customizing display and functionality. Wide shipping options, a built in tax module and ability to work with credit card processors. There’s also a fully integrated affiliate system in the admin interface.
PDG Shopping Cart
Ecommerce Software with no monthly fees. Start selling today with our secure shopping cart. Benefits: *You Own It - No additional fees after initial one-time license fee. *Runs on your own site, with your preferred host. *Eliminate duplicate entry with 3rd party apps (e.g. UPS®, QuickBooks®, etc.) Features: *Easy, flexible integration; fully customizable with any HTML editor *Unlimited products/transactions (no additional fees) *QuickBooks® and MYOB® imports *UPS® rates, labels, tracking, and USPS® rates
CyberOffice Shopping Cart
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VP-ASP Shopping Cart
VP-ASP is a feature rich, easy-to-use and affordable e-commerce application, boasting hundreds of features, including multi-language, multi-currency functionality, inventory control, advanced reporting and an affiliate system. VP-ASP provides a solution for all of your e-commerce needs.
Easycart
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MightyMerchant
MightyMerchant delivers custom e-commerce Web sites from simple to sophisticated. They work closely with you to develop the Web site you want and need, guaranteed. Designers create your custom design and can implement complex pricing and unique product displays. Site Manager is powerful and flexible, letting you easily control content and efficiently manage any task from a browser. Premium Rackspace hosting and free, friendly, fast support included always. 10 years national experience.
SalesCart
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ampleShop™
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ShopFactory
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Mal’s E-commerce
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MonsterCommerce Pro E-commerce
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AuctionCheckout
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Apple Cart
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SightShop™
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Pinnacle Cart
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Next Gen Cart
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LiveMerchant
BB Design creates custom shopping cart solutions for businesses that need the flexibility of a custom-designed solution. LiveMerchant software is flexible, easy-to-use, and can be custom programmed to meet your needs. BB Design handles all your integration and programming, no technical experience is required.
Zoovy e-Commerce
Zoovy Inc. provides e-commerce software and services for online businesses. With a multi-channel sales strategy, businesses reach more customers and drive more sales by integrating with several online marketplaces such as eBay, Amazon.com, and Froogle. Zoovy products automate the Web design, sales, inventory, shipping, and accounting processes, offering complete online storefronts and auction management tools for both small merchants and large wholesalers/retailers.
DesignCart
DesignCart is an easy to use, dynamic, scalable and customizable shopping cart solution. It supports unlimited products and orders, real-time shipping calculations, simple and secure checkout, eBay and QuickBooks integration, and phone and e-mail support. DesignCart is a PCI/CISP compliant shopping cart.
MyCart.net
MyCart.net can work as a store that you link to from any number of outside Web sites, or MyCart.net can be your entire website. Easy point-and-click interface -- no programming necessary to set up your store. Around-the-clock technical support. Integrated UPS, FedEx, USPS, QuickBooks and Froogle. Full-featured solution with domain registration, hosting, e-mail, shopping cart, and more. Please take a moment to learn more by visiting www.MyCart.net
Ecommerce Shopping Cart
You could double your online sales with ROIcart. All-in-one solution includes: shopping cart, real-time credit card processing, offline credit card processing, e-mail marketing, e-mail autoresponders, coupon system, upsell system, automatic shipping and tax calculation, and more. Free 30-day trial.
ASecureCart
ASecureCart is a feature rich shopping cart that allows you to sell unlimited products from your Web pages affordably with no software to download. Easily integrates into any Web site with only basic HTML. Supports: coupons, discounts, events, “up-selling” and affiliate tracking. Includes: Inventory tracking, digital delivery, order exporting and UPS or USPS shipping. Free 30-day trial. Free technical support. No setup fees or transaction fees. Low rates after the free 30 day trial.
GoECart
GoECart is a feature-packed, robust, and flexible online store solution that provides merchants with the technology and infrastructure needed to rapidly and cost effectively set up, manage and grow a Web-based business. GoECart is the only ecommerce solution that is truly search engine friendly — which means more traffic. It offers built-in support for shipping carriers, Authorize.Net, and comparison shopping engines combined with intuitive administration console and on-demand platform.
UltraCart
Serious E-Commerce that is easy to use! Search engine friendly, streamlined checkout forms, unrivaled documentation, and free support.
Andale Auction Management Tools
Andale offers a complete set of auction management tools, product research tools, and Andale Stores and Plaza.
CashCowCart
Award-winning and proven since 1998, CashCowCart provides extensive Web store features: easy to use; feature rich; search engine friendly; e-mail marketing; traffic reporting; fully manageable and customizable; affordable; shipping and tax calculation; order history; quick product search and navigation; delivery notification; import/export; multi-level categories; memberships and group discounts; related items showcase; newsletter and coupon promotions; senior level US phone support; and more.
.netCART Shopping Cart
.netCART is a shopping cart solution for ASP.NET. Comprehensive shopping cart with seamlessly integrated real-time payment, shipping, payment, currency, charting/reports, image/button generation, tax engine, store & customer admin, plus hundreds of other features which provide a complete ASP.NET developers e-commerce toolkit.
ECmerchant
Since 1996, ECmerchant has sold over 10,000 store licenses to small to mid-sized merchants worldwide. For the first time ever, ECmerchant is now offered direct from its maker, ECware, as a full-featured hosted service. Expand your sales reach today with a free fully featured online store.
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