The easiest, most affordable way to accept credit cards for your business

  • Rated #1 Merchant Account Provider Six Years in a Row1
  • Low Cost Guarantee with Rates as Low as 0.25%2
  • No Setup Fees
  • Online since 1995

guarantee trophy

Check out our rave reviews:


" tells you how to accept credit cards & checks online."

- Apple Computer, Inc.
5 Star (highest rating)


"No application or setup fees"

- NBC Internet


" outlines how it works."

5 Star (highest rating)


"Very low rates, & no application fee."

- Yahoo!

Accept Payments Your Way

Accept credit cards instantly online, in person, by phone, mail, or fax, all through a single account.

Why Us?

Free Software and Equipment3

Choices Include Free Payment Processing Software, Free Terminal, or Free Credit Card Reader for a Computer or Smartphone.

Our Products

All Merchants are Welcome

Bad credit and high risk merchants are no problem.  No matter what you sell or how you sell it, you can accept credit cards with

Our Pricing

Industry Leading Customer Support offers 24/7/365 Live, Toll-Free Phone Support.  We are always just a phone call or email away, any time of the day or night.

Contact Us

Accept credit cards with ease and have the best of what your business needs, always.

Are you aware that accepting credit cards can skyrocket your sales by an incredible 50 to 500% or more?

If you don't accept credit cards, you can't compete in today's business environment. Complete our free online signup form to start accepting credit cards now. If you do business online, will enable you to accept credit cards on your website (and eBay) in real-time, and we will also give you our simple-to-use, web-based credit card processing virtual terminal so you can easily process phone and mail order transactions manually.

Sign up with now and get fast, free setup.

Using computer and credit card for online payment.

"I searched extensively for weeks for the best deal for my own merchant account and was it! 

Easy to understand, easy html to paste into my site, and easy on the wallet!"

-- Patrick Brumm, 2 Fires Studios, Inc., Fort Lauderdale, FL

"Thank you for this service. I am most pleased that there is no contract.

But at the rates you guys have I will be a customer forever! I am VERY very happy with the personal phone contact and step by step help. 

I look forward to growing with you."

-- Dr. Sean Thompson, Natural Bodyworks, Parker, Colorado

"Phenomenal! was extremely sales are ramping-up well as a result. Happy customers, and an even happier merchant! Thanks for your great support and for the daily contact as we neared the finish line of going online. gets my 5-Stars."

-- Mark Effinger, ExitPath, Vancouver, WA

“I’ve always thought that accepting credit cards was more trouble than it was worth. I’m happy to say that I was wrong.  

Your company made it quick and easy. Thanks!”

– Marcus Hill, Five Smooth Stones Productions

“After having tried the others, I’m quickly finding out that really is the ***BEST*** credit card processing system there is.

I’d like to come back.”  

– John Long, Professional One Limousine

“I was hesitant to accept credit card because I thought it would cause a lot. Some companies were charging more than $300 for the processing software. When I found out that offers free credit card payment processing software, I jumped on it.

Now, my sales are up over 400% as compared to last month. You guys are awesome!”

– Michael  Berkowitz, Bravo Rewards | Cherry Hill, New Jersey

“Our Clients are businesses and so we weren’t sure we needed to offer charge cards. Finding so easy to use and fair priced made the decision to try it worthwhile.

From the very first day of offering credit card payments our customers loved it, so much so that our prediction of 20% of monthly sales by credit card has become 80%. We get our payment up to 60 days earlier then we used to and this has totally eliminated stressed over cash flow & non-payment. 

– Dick Szymanski, American ITIL | Folsom, CA

“After researching many credit card services, I found myself very frustrated with the process and even more frustrated with the ridiculous application fees. I was thrilled to finally have found, where I was accepting credit cards within days – and for very reasonable rates. 

My orders quickly increased in both both dollar accounts, and in the number of sales. I don’t know where i would be without – thanks guys!!!”

– Teri Cosenzi, The Pampered Princess | Longmeadow, MA

 “I’ve been accepting charge cards on my internet sites for over 5 years now and because it was my first business, was tied into a FIVE year contract. 

My sales immediately tripled and continue to rise yearly. As soon as the 5-year contract was up, I went in search of another card service. is affordable and MUCH easier to use! I am thrilled with their service and hope other small and first time business owners will consider them for their credit card service! You won’t be disappointed!”

– Cathy Howard, Wigglebottom Cottage Studio | Bucksport, Maine 

“Our small online business was only accepting payments thru M.O. and/or Personal Checks. It was taking too long to get the funds in our Bank and delaying shipping to our customers… So we looked for a way to accept credit cards, but every service we looked into was very troublesome for our clients (including a very well known online payment service) and had all kind of hidden costs or conditions for us!

Until we found Our service  sales improved dramatically and customers are very happy to deal with us!  THANKS for help and support the small business community!”

– Stefania & Giuseppe Colucciello, | Melbourne Beach, Florida 

“I believe the experience I have had and currently have is fantastic. 

It gives all my current customers as well as future potential customers the options they deserve. In this case, this gives the customers to choose what best fits them. I would like to thank for the opportunity for me to provide these options.”

– Jeffrey Williams, Metro Fire Radio | Pompton Lakes, NJ

“I wasn’t even sure my bank could process charge orders or whether my small home business would qualify. I’m no computer programmer either!’s interfaces were seamless, and  your customer support operators were there for me in the middle of the night  to walk me through all the steps and debug my HTML goof-ups. I’m off and running now!”

– Donald Yates, DNA Consulting | Statesboro, GA

“I was looking for a way to supplement my income and decided to start an e-commerce site. After searching through several sites I decided to go with I chose because of their low prices and the way I was treated on the phone.  Your staff was professional and courteous.Because of now accepting credit cards through my ecommerce site I now have supplemental income and can start looking for ways to spend that extra cash. Thanks”

– Sean Spear, VitaHealthChoice | Wallowa, Oregon


You can be up-and-running, accepting major credit cards with your own merchant account, today.

We offer cutting-edge credit card processing systems designed specifically for phone order, mail order, and face-to-face businesses in mind, in addition to our cutting-edge credit card processing online systems.

You'll find out for yourself why Apple Inc. and AOL gave their highest possible ratings.

Start accepting credit cards with, the leader in payment processing for more than 20 years.

Low Cost Guarantee

We’re so confident that has the lowest costs that we will pay you $200 to find a better deal! If you find a competitor of offering a direct merchant account and the same hardware, software, or payment gateway that currently offers, will beat the costs of the competitor’s offer or else pay you $200. And if you are currently processing credit cards, then if you send us your most recent credit card processing statement, will beat the competitor’s costs or else pay you $200. If you open a new merchant account, and then find a lower offer afterward, will honor the low cost guarantee for 30 days after opening the account.

In order to take advantage of the low cost guarantee, merchants must provide a contract from a competitor showing the full fee-schedule, and the competitor must be a verifiable registered provider of Visa and MasterCard services or, for merchants already processing credit cards, merchants must provide a copy of their most recent credit card processing statement long with a copy of their original merchant agreement that includes the full fee-schedule. When comparing costs, we will analyze all costs including, but not limited to, processing fees, transaction fees, monthly fees, annual fees, cancellation fees, and costs for hardware, software, or payment gateway.

We will project these costs based on the merchant’s actual or projected monthly credit card sales volume and average ticket size. In the event fails to beat a competitor’s offer, in order to receive the $200 payment from, merchants are required to open a merchant account with or send proof that an account has been opened with a competitor that failed to match pricing of, and the merchant must keep the account open for a minimum of three months.

This offer is limited to merchants who reside within the fifty United States and whose businesses are physically located within the fifty United States. This offer expires March 1, 2016, and may be extended further at the sole discretion of