Best Merchant Services FAQ
Will you approve my type of business?
We approve practically every type of business, including “high risk” businesses that are typically turned down by other credit card processors.
I have a bad credit rating. Can I be approved?
Absolutely! Charge.com has one of the highest approval rates in the industry. We approve merchants with bad credit or even prior bankruptcies. In fact, Charge.com frequently approves merchants that have been turned down by several other credit card processors because of bad credit.
Is Charge.com compatible with my website and online shopping cart?
Because we offer multiple payment gateway options, Charge.com is compatible with virtually all of the online shopping carts on the internet. Additionally, Charge.com provides a free online shopping cart to all of our internet merchants.
Will my Charge.com merchant account seamlessly integrate with eBay?
Yes! Charge.com’s online merchant accounts can be configured to work with eBay’s checkout system, giving you seamless, fully integrated checkout for all of your eBay sales.
Do I need to open a new bank account for my merchant account?
No. All of the funds you collect from credit card transactions are deposited directly into the bank account of your choice. You can even have the funds deposited directly into your personal checking account if you wish.
Do I receive any training on my software or terminal?
It does not take much training to learn, and you will be fully trained on all equipment at NO charge.
Is there a technical support phone number that I can call if I need help?
You will be provided with an 800 number you can call 24/7/365 to handle any issues or questions.
What is the discount rate?
The discount rate is the percentage of each transaction that the credit card processing company charges to handle the transaction for you. Our discount rates are exceptionally low, starting at only 0.25%.
What are the Checks by Web, Phone, and Fax Software fees?
The only cost is 5 cents per check. The check software is FREE (up to $300 value).
Other companies take up to 60 days for charges to appear as cash in my account. When can I expect the money from my sales to appear as cash in my bank account?
The money will appear in your bank account within 24-72 hours.
What is real-time transaction credit card processing?
Real-time transactions allow your customers to submit their credit card information over the web, and the charge is automatically approved within seconds. No person needs to be present for the transaction, so you can be making credit card charges literally while you sleep. The funds will appear in your bank account within 48-72 hours of the transaction.
When I charge my customers, how will the charge show up on their credit card statements? Will it show my business name or does it show Charge.com?
Charge.com’s name does not appear anywhere on your customers’ credit card statements. Only your business name will appear. This is the only truly professional way to do business―a fact that other credit card processors do not respect.
Will my Charge.com transactions be secure?
Yes! All of our software and equipment is completely secure and is Payment Card Industry (PCI) compliant, as required by the credit card companies. Our web-based processing systems are secured with military grade (128 bit SSL) encryption, so you are not required to buy your own SSL security certificate.
Does Charge.com have the credit card processing system I need for my business?
Yes! Charge.com has processing solutions for every type of business. We provide cutting-edge, secure web-based processing solutions for Internet, phone order, and mail order merchants. We also offer a wide array of easy-to-use hardware for retail stores, restaurants, professional offices, and mobile/wireless merchants. Charge.com is truly a one-stop-shop for any type of business wanting to accept credit cards.
Do I need to have a corporation or business license to open a Charge.com merchant account?
Absolutely not! Unlike other credit card processors, Charge.com does not require that you have a formal business in order to accept credit cards.
Do I need to have a website to open a Charge.com merchant account?
No, you do not need a website. We have a large number of clients that do not use websites, such as retail stores and mail-order/phone-order companies. Even if you have a new internet business and your website is still under construction, that is no problem with Charge.com.
When my customers enter their credit card information at my website, will they be routed to a Charge.com payment page or can my customers stay at my website during the entire checkout process?
This can easily be set up either way. You can route your customers to Charge.com’s checkout page or you can seamlessly integrate your checkout process using our free API for “behind the scenes” credit card processing where your customers never leave your website. Either way, our technical support team will give you unlimited, live, toll-free tech support at zero cost, should you need any assistance.