FAQ About Getting a Merchant Account

Frequently Asked Questions
What kind of businesses does CSA accept for merchant accounts?

What if I have less than perfect credit?

What credit cards will I be able to accept?

Do I need a business license?

What is the discount rate for credit card processing?

What is the Address Verification System?

Will I receive a statement?

How will I get my money?

How do I apply?

How long does the merchant account approval process take?

Is there a service phone number that I can call if I need help?

What kind of businesses does CSA accept for merchant accounts?

CSA provides merchant accounts for retail, professional, trade shows, mail order, telephone order, Internet based, and home based businesses.

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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 for a merchant account.

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What credit cards will I be able to accept?

We offer merchant services so that you can accept MasterCard, Visa, American Express and Discover, as well as bank ATM debit cards.

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Do I need a business license?

You need to have documentation showing you have registered your name -- such as a business license, trade name registration, dba certificate, etc.

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What is the discount rate?

Every bank charges a discount rate for credit card processing. 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, starting at just 1.69% for retail (swiped) merchants and 2.09% for mail order/telephone order and Internet merchants.

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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 have a risk of 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.

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Will I receive a statement?

Yes. A statement is mailed out every month with the information on all deposits into your account, your total sales volume, and the charges for the month. There is a Monthly Statement/800 Help Desk Fee of $10.00.

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How will I get my money?

Your money will be deposited directly into your current business checking account.
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How do I apply?

Just fill out the free, no obligation, pre-qualifying merchant account application. We will contact you within 24 hours (excluding weekends and holidays) and let you know what program you have qualified for, and answer any questions you might have. If you would like to go ahead with your merchant account application, we'll fax you the necessary paperwork. When you receive it, sign where indicated, and return it along with the requested documents.

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How long does the approval process take?

Once all necessary paperwork is received, most merchant accounts are approved within 24 hours. Once approved, we will immediately inform you of your acceptance and ship the credit card processing terminal or software.

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Is there a service phone number that I can call if I need help?

Yes! You will have live, toll-free merchant service assistance available to you 24 hours per day, 7 days a week, 365 days per year.

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Customer satisfaction guaranteed - CSA is so confident of our credit card processing services, we offer a lifetime warranty on all equipment purchased through CSA. For as long as we hold your merchant account, CSA will repair or replace the equipment at no charge. (This warranty excludes terminals received through the free terminal program.)		Free terminals - CSA offers free terminals with your merchant account. Qualified merchants can receive a Free Nurit 8320 or Free CHARGE ANYwhere wireless terminal!


Call CSA 770-428-2565	E-mail: sales@csamail.net		Apply on-line for a merchant account

CSA Business Solutions provides merchant accounts for credit card processing for small and large businesses of all types, including internet credit card processing and retail credit card processing. In most cases, we can have your merchant account set up within 48 hours. We will custom design the best merchant services plan for your business. CSA Business Solutions offers free credit card processing terminals and no set up costs. In the event that one of our free terminals does not satisfy your needs, we also offer a wide variety of credit card machines for purchase, ranging from a basic terminal and printer package to wireless terminals or credit card processing software for the internet gateway. We will help you develop a personalized merchant services plan with the proper equipment for your business. As a premier provider of merchant accounts and credit card processing services, CSA is the best processor to handle your merchant account and we will work hard for your business. We offer excellent customer service and superior technical assistance. Call us today – we are ready to help your business grow with a custom designed merchant services plan!

Credit Services of America, Inc., dba CSA Business Solutions is a registered ISO/MSP of Best Payment Solutions, a division of NPC located in Chicago, IL. Credit Services of America, Inc., is also an Agent of United Bank Card, Inc., a registered ISO/MSP of Provident Bank, Cincinnati, OH.