Rates and Fees

Retail/Restaurant - Free Terminal Program
Application Fee	$0.00
Set Up Fee	$0.00
Credit Card Processing Terminal/Printer-In One	FREE *
Terminal Replacement Program	FREE
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
One Time Enrollment Fee	$98

(0.0010 Visa/MasterCard assessment fee applies)

$98 one-time enrollment fee includes:

• Download & merchant configuration – terminal comes pre-programmed and ready to use! Plug it in and staring processing orders immediately!
• UPS shipping to any location within the U.S.
• Quick start training – a representative will personally walk you through how to use your new terminal.
• Free Terminal Replacement Insurance/Warranty – Should anything happen to your terminal we’ll replace it free of charge. This service is offered for the life of your account with Merchant Advisors.

American Express Rates - 3.10%-3.25%

Rates apply to Retail, Restaurant, Service & Professional merchants. Rates vary based on average ticket and annual charge volume

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 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)