Merchant Account and Credit Card Processing Services including Free Credit Card Machine or Virtual Terminal Software and Payment Gateway

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Merchant Account Live Chat: accept visa, mastercard, american express, and discover credit cards and also apply for business credit card offers

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You can Stop Searching for Answers to your Merchant Account Questions. Listed below you will find answers to some of the most common merchant account questions.

Getting answers to your Merchant Account questions is Easy!

 Internet - Ecommerce

Telephone - Mail Order

Retail - Storefront

Wireless - Mobile

Restaurant - Gas Station

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- Free Gateway Software

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- Low Rates from 1.99%

Apply for Internet Merchant Account

- Free Virtual Terminal

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- Low Rates from 1.99%

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- Free Retail Terminal

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- Low Rates from 1.38%

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Apply for Restaurant Merchant Account or Gas Station Merchant Account

You may apply for your merchant account right now online and receive instant approval, guaranteed low rates, a free credit card terminal, and start processing credit card payments today FREE.

Merchant Account Frequently Asked Questions


New modern online merchant accounts come with an amazing array of security measures, from multi-tiered verification process prior to credit card transaction to authorization to pre-submission fraud screening.


If you want to compete in business today, you must accept credit cards and start processing credit card payments.


Over 88% of all internet and phone sales are paid for by credit card merchant account.


When you accept credit cards for business, your sales have the potential to increase as much as 400%.


Click Here and Apply FREE today!


Sign Up Today and Receive ALL of the Following Merchant Account Benefits:

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Instant Approvals.

No Setup Fees.

No Application Fees.

No Leases.

No Paperwork.

No Hassle.

Apply Now!


What credit cards can I accept?

You can accept Visa®, MasterCard®, American Express® and Discover®. We also offer Diner's Club® and JCB®.

How long does it take to start accepting credit cards?

Our online application will only take 5 minutes to complete. Most of our merchants start accepting credit cards within the same 24 hours after their instant online approval.

Do you offer free technical support?

Yes, you will be provided with an (800) number to handle any problems or questions 24/7.

I have a bad credit rating, is this a problem?

No. National Merchant Bancard has one of the highest approval rates in the industry. If we cannot approve you probably no one will be able to approve you.

What is a Discount rate?

The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you.

What is a Virtual Terminal?

A web-based terminal that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser.

Is check software included?

Yes. We provide all of our merchant with free check software.

How will I receive payment on each of my transactions?

After the transaction has been approved, your customer's charges are deposited directly from our processor to your bank account. Transaction deposits range from 24 to 72 hours from the date of the transaction.

Do I receive any training on the equipment?

You will be fully trained on all equipment at NO charge.

What is an Address Verification System?

An Address Verification System (AVS) verifies that the Address and zip code match the credit card customer.

What is a Gateway fee?

A gateway fee is charged to allow merchants the ability to perform secure real-time credit card authorizations manually using a virtual terminal or on a web site over the Internet.

What is a Chargeback?

A chargeback is when a customer disputes a charge on their statement by contacting the credit card company instead of contacting you. If a customer does not recognize the charge on their statement, or if they believe the amount was wrong, they may call their credit card company and ask them to investigate.


What is merchant account processing?


Merchant account processing services are provided by a bank or a third party processor to the merchant. These services include authorization of credit cards, settlement of funds through the bankcard associations (MasterCard/Visa), depositing of funds to checking accounts, merchant billing, and account activity reporting.

How do I get a merchant account?


Complete the online instant application and receive instant approval and activation of a merchant account that will allow you to begin accepting credit card transactions immediately. The merchant credit card acceptance program is applicable only to merchants located in the United States that have a relationship with a U.S. Financial Institution and a valid checking account.

How long does the application approval process take?


You can start accepting credit cards immediately after filling out our online application. After submitting the online application you will receive an email within a few moments along with your new merchant number.

Can I really start accepting credit cards immediately?


Yes, your merchant account will be active and can be used for processing credit cards.

How will I get paid for credit card transactions?


Funds are automatically transferred to your business checking account via an electronic ACH transfer 48 hours after a transaction has been "captured" and settled for payment. For example, credit card transactions submitted on a Monday will be funded on Wednesday or Thursday of the same week.

Will I need to purchase additional equipment?


No, All you need is a web browser and Internet access to utilize our Virtual POS terminal. Use this to authorize/settle transactions, view orders, manage recurring billing and more! If you are a retail merchant, you will receive our fee credit card processing terminal so either way you do not need to purchase any additional equipment.

Will I receive statements?


Yes. Internet-based reporting, that gives you online access to review your daily sales, financial history, and other pertinent account information. There is no additional cost for this service. In addition you will receive a paper statement at the end of each month.

What type of bank account do I need?


A business checking account is preferred, however, if you do not have a business account, a personal account that is primarily used for the business and is in the owner's name is acceptable. Your bank will be credited and debited via ACH methods.

If I am a new start up company without a credit history, will my company get approved?


There are no hassles and no strict credit requirements. If we cannot approve you probably no one will be able to approve you.

I already have a retail merchant account. Why do I need another one?


Financial institutions and the Visa / MasterCard card Associations have different criteria for evaluating the potential risk involved in credit card transactions where the card is not physically presented to the merchant. This type of business is typically referred to as "card not present" or "MO/TO" (mail order/telephone order). For this reason, a separate merchant account is needed.

What is a payment gateway?


A payment gateway is a service that gives merchants the ability to perform real-time credit card authorizations from a web site over the Internet. The Gateway is an encrypted channel that passes the transaction securely from your customer's computer to the financial institutions to capture the authorization and approval. Once the transaction is complete, the information is sent back through the Gateway to complete the order and provide you with verification. The Gateway offers many administrative features such as: viewing orders, keeping sales tax records, account maintenance, etc.

How do I get my gateway set up?


When you apply for the instant merchant account the gateway is automatically set-up.


Apply Now!

Yes, it is FAST, EASY and ABSOLUTELY FREE. Apply Now!

You will Save Hundreds of Dollars in wasted time, merchant account application and setup fees, credit card terminal purchase and leasing accept credit cards, merchant accounts, process credit card payments onlinecosts, and other hidden unforeseen contract fees which we do not have simply by signing up today to accept credit cards with your very own real merchant account. Apply Now!

Don't lose another sale because you don't accept credit cards.

You will be able to accept Visa, MasterCard, American Express and Discover credit cards for business products and services today upon completing our Easy Quick Application featuring Instant Online Merchant Account Approval. Apply Now!

"It was SO quick and easy to sign up; none of the costs and difficulties the banks wanted to impose on us. You guys were definitely the fastest, cheapest, easiest, and I haven't had a lick of trouble since we signed up 6 months ago. Our trust was well-placed. Thank you!"  -- Renee T., California

Apply Today and receive FREE RETAIL Credit Card Terminal

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Why spend hundreds of dollars on a terminal or get locked into a lengthy lease, which could cost you thousands of dollars, when you can get your modern Retail Terminal here for FREE. Don't be fooled by our  competitors. Your new Modern Retail credit card terminal does everything you need for your retail store front business. get a new free credit card machine

No matter what type of retail business you have whether it's a restaurant, automotive shop, law office, hair salon, hotel, convenience store, doctor's office, golf shop, music store, jewelry store, or furniture store your new Modern Retail credit card terminal will work for you. Apply Now!

In order to qualify for our free modern retail terminal, you will need to have the customer present with you at least 75% of the time so that you can physically swipe their credit card.

If the customer is not present 75% of the time, then you still qualify for our Free Online CC Processing Virtual Terminal (see below).

This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"I just wanted to write and tell you how happy I am to have come across your company. After searching the Internet for hours to find the best deal, I have to admit that your deal sounded almost too good to be true. But what was I suppose to think? I saw some of your freebies like your free shopping cart and free check software and it was hard for me to believe that you really offered all of this for Free. I have to tell you, I was surprised to find out that you really do offer everything you say! I'm definitely a believer. Thanks again." -- Seth. G., New York

Apply Today and receive FREE CC Processing Virtual Terminal

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Perfect for eBay, Internet, Mail, and Phone Order Businesses
This is the most popular choice of our merchants. This is the option for Free CC Processing virtual terminal and merchant account payment gatewayany business that has a Website on the Internet. Apply Now!

It is the most powerful and flexible method of credit card processing available anywhere. It enables both automated processing for Website orders and manual processing of e-mail, telephone, faxed, mail order, and face-to-face sales.

There is no software to download or install as everything runs on our secure web processing servers.

It also enables your website to automatically process credit card orders securely whenever your customers enter them, 24 hours a day, 7 days a week. Click for Virtual Terminal Demonstration

This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"We were looking for a service with fast response, a professional look, flexibility, easy for the customers to use, and easy for us to maintain. We chose National Merchant Bancard for our baseball glove business and couldn't be more pleased with the service. Setup was quick and easy, and operation has been very smooth with no problems at all. Their system includes many great features not included with many other services and our customers have reported that the ordering process has been very satisfactory. I would recommend National Merchant Bancard to anyone wanting to open an online's a winner!" -- James J., Missouri


Look at Everything you Receive by Signing Up Today  


Apply for a merchant account and business credit card online.


Merchant Account for immediate transaction processing.


A secure, encrypted, SSL (Secure Socket Layer) CC Processing Payment Gateway that will allow you to accept credit card payments in real-time over the internet.


Virtual Terminal for processing off-line credit card orders.


Accept Visa, MasterCard, American Express and Discover credit cards.


All funds wired into the checking account of your choice.


Online reporting and management of all your transactions.


No Application Fee.


No Set Up Fee.


No Paperwork.


No Hassle.


FREE Shopping Cart.


FREE Search Engine Submission.


FREE Online Sales Tracking and Reporting.


FREE Fraud Screening and Protection.


FREE American Express Setup.


FREE Discover Setup.


FREE Electronic Check Acceptance software


FREE 24/7 Technical Support.


FREE Instant Online Approval.


FREE Retail Credit Card Terminal with Printer.


FREE Re-Programming if you already have a Retail Terminal


FREE Real Time Online Payment Gateway Software.


Incredibly Low Merchant Account Rates



This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"I appreciate your no-nonsense approach. This industry has been waiting for an offer like this. You have earned my vote."-- Eric B., Georgia


This is Important: No Lengthy Contract Term


Almost all merchant services providers have lengthy contract terms from one to three years which could cost your company over $1,000 in fees and penalties. Be advised that these companies can damage your credit and place you in collection proceedings if you refuse to pay their fees and penalties.




We offer all Merchants the Lowest Rates, No Setup Fees, and a FREE Credit Card Processing Terminal.


With Our Program, You Always Get the Best Rates Guaranteed.


Apply Now!



"I will recommend your company to all of my fellow eBayers" -- Tye H., Ohio


To Get Started you must be the Principal Owner of the
Business and have the following information:

Business located within the United States
Federal Tax ID# (for corporations only)
Your Social Security Number
US Checking Account
You must be at least 18 years of age

Our Secure Online Application Takes Only a
Few Minutes To Complete.


After you have completed the online application, you will be instantly notified by email regarding the status of your merchant account.


** By Federal Law, All Information Provided Will Remain Confidential **

Apply Now!

"I can't begin to tell you how very pleased I was when I found your merchant account program with the free terminal and free setup and everything else you offer. You have saved me a lot of time and money and I always recommend your program to anyone who is serious about and plans on staying in business and doing more sales volume and making more money. I mean after all that is the purpose of being in business to begin with, unless you are not for profit but then you still need to accept credit cards anyways, right? There is no doubt that accepting credit cards has significantly boosted my bottom line and I thank you for that. OK, THANKS AGAIN!" -- Greg W., Florida


This is a Limited Time Only Special Merchant Account Offer:

Apply Now!

What are You Waiting for to Accept Credit Cards for Business?

FREE Business Credit Card Offers with Rewards and 0% APR Balance Transfers

Get your free credit card terminal and start processing credit card payments today. Your sales will automatically increase in volume.

We have seen it happen time and time again.

It's FREE to apply and FREE to start accepting credit cards for businesses and you get your choice of a FREE credit card terminal.

You will benefit from no monetary outlay to apply for business credit card processing unlike most merchants who pay several hundreds of dollars for a terminal and application fees.

There is no extremely long term merchant account contract unlike most all other companies.

You will benefit from guaranteed low merchant account rates and the overall efficiency of accepting credit card payments for your products and services.

You will enjoy 24/7 award winning customer service and support, and access to the latest business credit card application processing technology.

We have seen sales increase by as much as 400% when merchants start accepting credit cards and that puts more money in your pocket just for having your own merchant account.



Apply Now!




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Merchant Account Success Stories


"We were looking for a service that was easy for our customers to use and easy for us to maintain. We chose SunVirtual's Merchant Account for our business and couldn't be more pleased with the service. Your setup was quick and easy, and the entire operation was very smooth with no problems at all. I would recommend National Merchant Bancard's Merchant Account Service to anyone wanting to accept credit cards for their business. Your company is an A+ in my book."

-- Veronica Braddy, African American Roots, Inc.


"I'm very impressed with how easy it was to get set up to accept credit cards with your company. I called your company and spoke with Sean. Other than the fact it was free and only took me 5 minutes to apply, Sean was extremely nice, knowledgeable and really cared about helping find the best solution for our company. Thanks for having a staff that actually cares."

-- Liran Haiman, Moving Waterfall Pictures



Click Here to Apply Now


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National Merchant Bancard is a registered MSP/ISO of HSBC Bank USA, National Association, Buffalo, NY.
American Express® and Discover Network® require separate approval.
Promotional offers brought to you by National Merchant Bancard.
* Restrictions apply and on approved credit.
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