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At eMerchant we offer some of the lowest merchant accounts rates in the nation, while offering award winning support with our discount credit card processing. We build long term relationships by actively managing each merchant's account and proactively updating their rates as their business grows.
Ask us about Major Account qualifiers for even greater discounts!
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Merchant Account Setup Fee
FREE
$49.95 and higher
Authorize.Net or USAePay Setup Fee
FREE
$49.95 and higher
Internet Discount Rate
1.79% - 2.18%
2.25% - 2.95%
Internet Transaction Fee
$.10 - $.15
$.20 - $.30
Retail Discount Rate
1.04% - 1.69%
1.75% - 1.95%
Retail Transaction Fee
$.20
$.25 - $.30
Surcharges or Billback
NONE
Dedicated Account Manager
YES
Probably NOT
Approval Time
1 - 3 DAYS
1 - 2 WEEKS
Shopping Cart Compatibility
MOST
FEW
Credit & Underwriting
LIBERAL
TIGHT
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| Credit Card Discount Rates are affected by several variables: |
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The type of card being presented
Debit cards used as credit cards cost the merchant less than, for example, rewards cards. |
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The type of transaction
Internet or "keyed in" transactions are considered riskier than traditional retail or "card present" by the Card Associations, and are usually charged at a higher discount rate. |
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The type of merchant
Supermarkets and utility companies, for example, receive preferred rates from the Card Associations. eMerchant will align your business with the most favorable MCC Code allowed, so you can get more out of your merchant account. |
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The business volume of the merchant
The more dollars you process, generally, the more leverage your merchant account provider has over the banks in negotiating more favorable rates. |
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Call eMerchant today to receive a free quote for your business 
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