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Are you in Canada?

Merchant Focus is proud to offer services to our friends doing business up north.

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Do you currently process over $250,000 annually in Visa/MC?

Merchant Focus offers premium accounts with no monthly fees, and all established merchants qualify for "Interchange-Plus" pricing.

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Merchant Focus = Superior Customer Service


What is a Merchant Account and why do I need one?

A merchant account allows businesses to accept credit card payments. A merchant account is set-up with a financial institution. Unlike other services, money collected through your merchant account is deposited into your checking account within 2 to 3 business days. You must have a merchant account to accept credit card payments using your company name and if you want the funds deposited into your checking account within 2 to 3 business days.

What is a Payment Gateway and why do I need one?

A Payment Gateway allows you to securely process transactions online. It is a third-party service that transmits eCommerce transactions to your payment processor for authorization. A Payment Gateway allows you to offer your customers a safe and secure way of buying from you online. Authorize.Net is Merchant Focus’s preferred payment gateway.

How long does it take to get set-up?

It typically takes 2 business days to get approved for your merchant account. Once your merchant account is approved we will set-up your Authorize.Net payment gateway and you will receive the gateway information within 24 hours of your approval. The time it takes to get set-up also depends on how quickly you follow up with answering any questions from the Underwriting Department and faxing the required paperwork.

What is a Chargeback?

A Chargeback occurs when the merchant’s sale is disputed by the cardholder for any reason including:

  • the merchant won't issue a credit return (refund) for a product dispute
  • the customer claims they never received the product
  • the customer claims their card was used fraudulently

…then the customer can call their Card Issuing Bank directly and disputes charge.

The Card Issuing Bank notifies our Acquiring Bank that a cardholder is disputing the transaction and they notify us. We in turn mail the merchant a Chargeback notification and require the merchant to respond ASAP to their customer’s dispute.

It is up to the Card Issuing Bank, based on their investigation, if we have to give cardholder their money back. In this case, the funds will be debited from the merchant’s checking account and given back to the cardholder.

The chargeback fee is $30.00 regardless of the outcome.

NOTE: This is why is it so IMPORTANT to have excellent “return, warranty, cancellation policies” clearly accessible on your Web site.

What is a qualified vs. a non-qualified transaction?

Certain conditions must be met for a transaction to Qualify for the 1.74% (or applicable) discount rate. If a transaction doesn't Qualify, it becomes a Mid-Qualified or Non-Qualified transaction and the discount rate will
increase (please check your Schedule of Fees).

Qualified Transactions:

  • These are swiped transactions.
  • To qualify for the 1.74% qualified discount rate the credit card must be present and swiped at the time of the sale.
  • Qualified Cards are typically standard everyday, VISA/MASTERCARD/DISCOVER, Credit/Debit Cards.
  • These are key-entered transactions.
  • To get the Mid-Qualified rate you are key-entering the transaction into your payment gateway or mobile device.
  • These are transaction that process at the higher discount rate.
  • Typically these are Corporate, Government, Foreign or High-End Rewards Cards.

Simply fill out our online application. You can find more information HERE.

How do I get set-up to accept American Express?

We are not allowed to quote rates for American Express. We can submit the application on your behalf to Amex..

On the application just select that you would like for us to apply for this card type on your behalf.

How long does it take to receive our funds?

It typically takes 48 to 72 hours for the funds from your transactions to be deposited directly into your checking account.

What is a monthly minimum?

The monthly minimum is the minimum amount you will be charged in relation to the discount fees for your monthly Visa/MasterCard sales. You will pay the Monthly Minimum ($25.00) or your Discount Fees, whichever is greater.

For example: In one month you processed $1000.00 is Visa/MC sales. $1000.00 x 2.19% = $21.90. This amount does not meet the monthly minimum of $25.00 so you will be charged an additional $3.10 to meet the monthly minimum of $25.00 ($21.90 + $3.10 = $25.00).

However if in one month you process $1500.00 in Visa/MC sales then your fees = $32.85 ($1500.00 x 2.19% = $32.85). You will be charged $$32.85 in Discount Fees so you have easily met the monthly minimum of $25.