ROLLING RESERVE AND PARAMETERS ....... 5% 6mo rolling
(No initial holdback or charge back security deposits are required! ~ Rolling reserve can be at a lower level in some cases. ~ All merchant accounts are covered by charge back insurance which allows more liberal terms from the bank, and more liberal charge back levels)

DISCOUNT RATE .................................................. 6.0% or less ~ Can be as low as 3.0% for established high volume!
( The higher your on-going monthly volume, the lower the rate! )

DEPOSITS .................................................... ............ $0
(Many banks/processors require an upfront security deposit equal to 1 or 2 times the average estimated monthly credit card sales by a merchant. This can pose a substantial barrier to accepting credit cards for some merchants. The purpose of this deposit is to cover any purchase refused by a customer and for which the customer's credit card issuer refuses to pay a charge back. Deposits or holds are waived with charge back insurance in place).

TRANSACTION FEE ......................................... ..... 35c (possibly lower with high volume)
(All merchant accounts are protected by charge back insurance and sophisticated scrubbing/fraud-detection systems - all this at no additional charge)

MONTHLY ADMINISTRATIVE FEES ...  ............. $15

MONTHLY GATEWAY FEES Etc. ......................... NONE

MONTHLY PROCESSING MINIMUMS ...... ...... $10,000 ~ if you plan on higher volumes within 2-4 months
(Bank prefers to work with companies doing at least $40,000/mo)

CHARGE BACK FEES ................................. ........... $15

CHARGE BACK THRESHOLD .............................. 2%+
(Charge back insurance allows for more liberal allowances by bank)

PROCESSING CURRENCY .................................... $USD + most major global currencies (Over 20 global currencies!)

SETTLEMENT CURRENCY TO MERCHANT ... Most global currencies
(Funds are transferred by wire into the bank account that you specify)

SETTLEMENT TIME-FRAME TO MERCHANT .No holds ~ payout to merchant every 72 hours

APPROVAL TIME-FRAME: ....................................Usually in 1 week or less
(Once all required documents, and signed and completed application are submitted)

SETUP TIME-FRAME: ..............................................Two weeks or less
(Once approval is given, and depending on the complexity of the merchant's site and technicians' workload at the time)

CARDS ACCEPTED: ................................................ VISA, MASTERCARD, AMERICAN EXPRESS, DISCOVER

DESCRIPTOR: .......................................................... Merchant will have their own MID# and descriptor

SITE INSPECTION: ................................................... Required on case by case basis

CRIMINAL/BACKGROUND CHECKS: ................. Required

OTHER REQUIREMENTS:

• See "Documentation Required" at link below that will be required when submitting application.
  No US presence required!
• Merchant will be able to easily access their processing activities online 24/7, to view the their activities through real-time online reports and online account management.
• Merchant is provided with integration software, which is very user friendly and works with most of the industry web servers. In most cases, integration into your website is able to be done in just a few easy steps and it's compatible with most of the existing shopping carts.
• Recurring billing and subscription services available
• Virtual POS terminal is available for MOTO merchants