Trust Our Experience and Resources
To help a tailor a custom program for your specific needs
ATTENTION Merchants! The New DURBIN ACT was just passed in Washington recently, and it should have reduced the cost of your credit card processing by 30%! Have you noticed your processing bill go down by 1/3rd since November?? We’ve discovered that many credit card processors aren’t passing along the savings, but keeping it for themselves YET STILL charging the old pricing to the merchant. How much happier would you be if could YOU save 1/3rd off your bill? Call For A Free Quote, and see why many other business owners are switching over to Merchant Services America!
High Quality Products and Services
If you’re looking for high quality products and services, you’ve come to the right place. At Merchant Services America we offer the best in ATM Machines, ATM Processing, POS & Credit Card Terminals, Credit Card Processing, Check Processing, Industry Leading Data Security, Gift/Loyalty Cards, Merchant Cash Advance, and MORE. We provide great rates, and great value added service. Our experienced, friendly merchant processing consultants will be there to help you every step of the way. We go the EXTRA MILE for all of our clients! Our goal is to make you a satisfied, and happy client for the long term! Give us a chance to prove ourselves and put our experience to work for you!
who we are
All services in one place
Merchant Services America has a variety of industry leading, high quality payment processing solutions found in medical offices, restaurants, bars, convenience stores, gas stations, hotels, supermarkets, dry cleaners, auto repair and other businesses around the country. We provide strong product selection along with Value Added Services that put us head and shoulders above the rest. Whatever your merchant needs, we have the solution!
Our experienced merchant processing consultants provide personal customer service to all of our business clients on a monthly basis. With Merchant Services America, you don’t just get great rates, and products. You also get first class personalized customer service! We follow up with you regularly to keep you up to date on the latest rule changes, and programs we have to help your business thrive! We take the term “service” to a new level!
Here’s What Separates Us From Everyone Else
Most frequent questions and answers
A merchant account is a type of bank account that allows businesses to accept payments by debit or credit cards. A merchant account is established under an contractual agreement between an acceptor and a merchant acquiring bank for the settlement of credit card and/or debit card transactions
A chargeback is when a consumer may dispute a merchant charge on their statement, and contact their credit card issuer to cancel the charge. The Issuer will then withdraw the money for a transaction from the merchant’s account until the dispute is cleared.
A payment gateway is an online/e-commerce application provided by a service provider, such as authorize.net or eProcessing Network, that authorizes payments for e-businesses, online retailers or traditional brick and mortar. Think of it as a virtual terminal for processing credit card transactions via the web. These services protect credit card data transmissions by encrypting sensitive information, such as credit card numbers, to ensure that information is passed securely between the customer and the merchant and also between the merchant and the payment processor.
ACH (Automated Clearing House) is an electronic network for financial transactions in the US. ACH credit transfers include direct deposit payroll, vendor payments, consumer payments and bill payments. Businesses increasingly use ACH online to have customers pay, rather than using credit or debit cards
check verification services provide businesses or individuals with the ability to validate checks and/or the ability to verify the history of the check account holder. Services like TeleCheck are a good example of this. Services like these allow merchants to process checks on their card terminal the same way they do credit and debit cards.
A stored-value card that can be activated with dollar amounts
starting as little as $0.01 to $9,999.99 (default is set at $500.00
maximum). Gift cards are divided into “open loop” and “closed loop” cards.
Open Loop cards are issued by banks or credit card companies and
can be redeemed by different establishments, Closed Loop cards are
issued by specific stores or restaurants and can be only redeemed by
the issuing provider. Gift cards are identified by a specific number or code, not with a
cardholder’s name, and could be used by anybody.
The Payment Card Industry (PCI) Data Security Standard (PCI DSS) is a set of requirements created to ensure that all businesses that process, store or transmit credit card information must maintain a secure environment. Basically any merchant that has a Merchant ID.
In October 2011, new rules went into effect that placed a cap on debit card interchange fees that Visa and MasterCard networks charge merchants. These rules lowered processing costs for both merchants and consumers.