Rates and Fees

Mail Order/Phone Order/Service Order
Application Fee	$0.00
Set Up Fee	$0.00
-QuickCommerce- Virtual Terminal	FREE
Address Verification Fee	$0.05
Visa/MasterCard -Credit- Discount Rate	2.09%/$0.25
Statement Fee	$8.95
Monthly Minimum	$25.00
Monthly Gateway Fee	$15.95
Gateway-Transaction Fee(1st 250 transactions-FREE)	$0.05
Annual Fee	$0.00
Batch Header Fee	$0.30
Cancellation Fees	NONE
Contract Term American Express & Discover Set Up Free	Month to Month
American Express Rate	See Chart Below
Discover Rate	2.19%/$.25
Downgrades:	See explanation

• (0.0010 Visa/MasterCard assessment fee applies)
• Gateway Fees apply to Virtual Terminal Only
• Wireless terminals qualify for our retail processing rates.

American Express Rates:

Monthly Volume	Fee
$0-$4999	$5.00/month
$5,000+	3.50%
Applies to Mail/Phone/Service & Home-Based Merchants

Discover Rates:

Explanation of Fees

• 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 credit card 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 authorized, key entering a swipe transaction)