Frequently Asked Questions

    • Is the Web hosting free if we apply for a merchant account?
    • Yes. Once your merchant account application is submitted through Pays.com and approved, your Web site can be hosted on our server for free.

    • What kind of businesses do you accept?
    • We accept Internet based and home-based businesses as well as retail, professionals, trade shows, and mail and telephone orders.

    • What if I have less than perfect credit?
    • Our approval rate is 98%, so even if you have bad credit you are likely to get approved.

    • What credit cards will I be able to accept?
    • We set you up to accept MasterCard, Visa and ATM / debit cards. You can apply for American Express and Discover at the same time.

    • Do I need a business license?
    • No, you do not need to have a business license, trade name registration, DBA certificate, etc. but it is helpful.

    • What is the discount rate?
    • Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you, Our discount rates are exceptionally low, and good for mail order/telephone order and Internet merchants.

    • What is the Address Verification System?
    • If you sell mail order/telephone order, or through the Internet, you don't want to send a product to a false address and risk receiving a chargeback. The Address Verification System (AVS) lets you enter the customer's home address and compares it to the address on file with their credit card company. If someone uses a stolen card, and wants products shipped to a false address, AVS will detect this for you.

    • Are our statements available online?
    • Yes. All your statements will be available online. You can login to your Merchant Office and view or print your statement. If you choose to receive paper statements, the first 6 months are free. After that, there will be a small fee for paper statements. Most customers choose to access the e-statements online and avoid paying the statement fee.

    • How will I get my money?
    • Your money will be deposited directly into your current business checking account. All funds are available within two business days.

    • How do I apply?
    • Just fill out the free, no obligation, online merchant account application. Click on the link "Apply Now."

    • How long does the approval process take?
    • Once all necessary paperwork is received, most accounts are approved in the next business day. Once approved, we will immediately send you a welcome e-mail which includes all the instructions so that you can take credit cards right away .

    • Is there a service telephone number that I can call if I need help?
    • Yes! Once your merchant account is approved, the toll-free number will be included in the welcome e-mail. You will have live, toll-free merchant assistance available to you 24 hours a day, 7 days a week, 365 days a year from our customer support department. Note that the toll-free number for customer support is different from that of our sales department displayed on this Web site.

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Internet

Accept all credit cards over the Internet with "real-time" processing.

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Mail/Phone Order

Take orders by mail or phone and hand enter them into the terminal.

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Retail Businesses

Accept all credit cards face-to-face at the point-of-sale (POS).

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