As an independent merchant account liaison, I am authorized to work with multiple merchant account providers since not every provider will accept all merchants.

Here are some issues they look at:

  • Prior merchant account history
  • eCommerce with shippable products and/or downloadable products
  • High risk products and/or services
  • USA based companies; Non-USA based companies
  • Chargebacks approaching 1%
  • Owner’s credit report and criminal record


After you fill-out and send me your initial information, we will setup a time to talk.

Current Merchant Account Statements

If you currently have a merchant account, send me copies of your latest 3 statements (full version with your business name, transactions, and pricing)

Review with Provider

Once I receive your pre-application (and current merchant account statements), I will review the information with a provider. If the provider gives the go ahead, I will prepare an application and send it to you, along with a checklist of additional required documentation. If not, then I approach another provider.

Review Application

After you complete and return the application, the underwriter will review it. If they require additional information, I will contact you.

Approval and Account Setup

Once your account is approved, you will be emailed your merchant identification number (MID).

  • If you have need a physical swipe terminal, it will be shipped.
  • If you need an e-commerce gateway, your configuration will be setup and confirmed via email.

eCommerce Website Requirements

In order to help reduce chargebacks and fraud, VISA and MasterCard, along with merchant acccount processors and providers require that eCommerce websites contain specific information shown below.

In addition, you must successfully complete the Payment Card Industry (PCI) Self-Assessment.

E-commerce website required information

1. Refund/cancellation Policy (on order page NOT small print)
2. Privacy Policy (in footer on every page)
3. Terms & Conditions (in footer on every page)
4. Products & the Corresponding Pricing listed
5. 128-bit SSL (usually with gateway)
6. Telephone Contact Number and physical address
7. Shipping & handling method and time shipped after the sale (if applicable)


Below are examples that you can cut and paste, then customize with your company information.

Example Return Policy

If you are dissatisfied for any reason you may return any unused merchandise to (business name) within 30 days Of purchase for a full refund. Products kept for over 30 days without a return request are considered final. Customers are responsible for the cost of return shipping. Products being returned must be in NEW condition and in the original factory packaging. (Some) products have a restocking fee of 15% and will require the purchaser to ship the items to (business name) at the customer’s expense. (Business name) will cover the cost for shipping to replace items that were shipped incorrectly. lf there a-re any questions about returns, feel free to contact us and we will do everything possible to make sure you are satisfied. Please call (telephone number) or email us at (email address) to process a return.

Example: Cancellation Policy

Orders must be cancelled at least 3 business days in advance of ship date to qualify for a refund.

Example: Privacy Policy

Personal Information
(Business Name) only collects personal information when you request our services and only uses the information collected to provide those services for you. If you choose to make a purchase you will be asked to provide contact information (such as your name and shipping address) and financial information (such as your credit card number and expiration date). This information is used for billing purposes and to process your order. (Business Name) handle all of this data with the utmost confidentiality.

Third Parties
Any personal information provided will not be traded, rented, sold or otherwise shared with anyone outside of (Business Name), or used for reasons beyond those contemplated in this statement. From time to time we may engage third parties to process your information on our behalf however, none of (Business Name) affiliates (such as our credit card company) have permission to retain share store or use personal information for any reason other than providing the requested service.

To prevent unauthorized access disclosure and improper use of your information we have established appropriate physical, electronic, and managerial safeguards to protect the information we collect in accordance with our privacy policy.

Example: Terms and Conditions

AGREEMENT BETWEEN USER AND (Business Name) The network of (Business Named operated by (Legal Name) or its affiliates or subsidiaries, is comprised of various Web sites and Web pages. The (Legal Name) are offered to you conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of the (Business Name) Web Site constitutes your agreement to all such terms, conditions, and notices. Your use of a particular (Business Name) website included within the (Legal Name) Web Sites network may also be subject to additional terms outlined elsewhere on that website (the ”Additional terms). Additionally, the (Business Name) Web Site may themselves contain additional terms that govern particular features or offers (for example, sweepstakes or chat areas). In the event that any of the terms conditions and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any particular (Legal Name) website, then these terms shall control.

PLEASE READ THE following TERMS OF USE AND DISCLAIMERS CAREFULLY BEFORE USING THIS WEB SITE (this ”Site”). By accessing or using this Site, you agree to these terms of use, conditions and all applicable laws. If you do not agree to these terms you may not use this Site.

(Business Name) reserves the right to change the terms, conditions and notices under which the (Business Name) Web Sites are offered, including but not limited to the charges associated with the use of the (Business Name) Web Sites. You are responsible for regularly reviewing these terms and conditions.

Unless otherwise specified the (Legal Name) Web Sites are for your personal and noncommercial use. You may not modify, copy, distribute transmit display, perform, reproduce, publish license create derivative works from transfer or sell any information, software, products or services obtained from the (Legal Name) Web Sites.

You may display and, subject to any expressly stated restrictions or limitations relating to specific material, electronically copy, download and print hard copy portions of the material from the different areas of the Site solely for your own noncommercial use, or to place an order with (Business Name) or to purchase (Business Name) products. Any other use of materials on this site, including but not limited to the modification, reproductions distribution, republication, display or transmission of the content of this Site, without prior written permission of (Business Name) is strictly prohibited.

Harassment in any manner or form on the Site or any of the (Business Name) Websites including via a-mail and chat or by obscene or abusive language is strictly forbidden. Impersonation of others. including a (Business Name) employee, host, or representative or other members or visitor on the Site is prohibited. You may not upload to, distribute, or otherwise publish through the Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or which may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law. You may not upload commercial content on the Site or use the Site to solicit others to join or become members of any other commercial online service or other organization.

The entire content included in this Site, including but not limited to text, design, graphics, interfaces, or code and the selection and arrangements thereof is copyrighted as a collective work under the United States and other copyright laws, and is the property of (Business Name). The collective work includes works that are licensed to (Business Name).
Copyright 2000, 2001. ALL RIGHTS RESERVED. All trademarks, service Marks, and trade names (collectively the ”Marks”) are trademarks or registered trademarks of and are proprietary to (Business Name) or other respective owners that have granted.

Example: Contact Number

Our customer Care Specialists are available at (phone number), or by fax at (fax number).

Example: Shipping & handlingmethod and time shipped after the sale

Ali items are shipped USPS Priority Mail (unless requested otherwise by cardholder) within 48 hours of your purchase. In the event that an item is out of stocks or backordered, we will not bill your credit card until the item is shipped to you. We do not ship over the weekend. Purchases may be delivered to your address or to one or many recipients.