Frequently Asked Questions

What is a merchant account?

Using a merchant account, a business owner has the ability to accept credit cards in virtually any retail environment, including the Internet. By opening a merchant account, a merchant is establishing an account with a payment processor for the settlement of their business credit card transactions.

 Any merchant who wishes to accept credit card payments from their customers must have a merchant account.  With a 1st National Processing merchant account, you will be able to accept all major credit cards including Visa, MasterCard, Discover, and American Express, as well as debit, check and ACH.

If I have more than one business, do I need more than one merchant account?

Since a merchant account is tied to your business name and tax id, it is necessary to have a separate merchant account for each of your businesses.  It is perfectly legal, however, to have more than one merchant account, but you do not necessarily have to buy an additional machine, most of our units can hold at least ten, and up to as many as 25 separate merchant accounts.

How much does a merchant account cost?

1st National Processing Merchant Services offers rates that are among the lowest in the industry, while ensuring that we do not compromise the quality of our services.   Rates start as low as 1.69% plus .20¢ per transaction for retail businesses, and 2.19% plus .25¢ per transaction for mail/phone/internet businesses.

How do I apply for a merchant account?

Opening a merchant account has never been easier!  Simply phone us at 1-877-964-1622 to get the process started, or you may fill out our online request for information. We will generally contact you within 48 hours.

How do I qualify for a free credit card machine?

1st National Processing offers a free credit card machine to customers operating a retail business.  For more information please click here or learn more about how some providers may take advantage of clients by visiting our Buyer Beware Series.