Wireless Merchant Accounts

Merchants on the go can utilize 1st National’s Wireless and Portable Merchant Account Services to “Accept Credit Cards Anywhere”.  Mobile merchants have multiple options from which to choose. 

Our Automated Telephone Response System and the Moto/T380 merchant accounts are completely free to set up and carry the low cost, flat monthly fee of $7.95 per month, no monthly minimum and no annual fee. Both these systems come complete with a manual imprinter for the scanning of credit card info and a MOTO/ manually keyed merchant account for authorizing all 4 major credit cards as well as all debit and check cards with the Visa and Master Card logo.

Another great option for mobile merchants, especially contractors & delivery services, is our Portable Dial Up Store and Forward Terminal. The Portable credit card terminal uses a retail merchant account, has a rechargeable battery and a built in thermal receipt printer.  The merchant swipes the cardholder’s credit card, debit card, or check card through the terminal and the unit can function in one of two ways. If a landline is available, the terminal can authorize the credit card right there on the spot via a toll free phone number.  If a phone line is unavailable, the credit card terminal stores the data inside the unit and prints out two copies of a transaction receipt, one for the merchant and one copy for the cardholder.  At the end of the day, the credit card terminal is plugged into a phone jack and the transactions are uploaded and authorized and a receipt is printed for each detailing the transaction info and the authorization code. The beauty of this credit card terminal is that it provides portable payment processing, with preferred retail merchant account rates, at one fifth of the cost of a wireless credit card machine and without the $15 per month wireless monthly access fee.  1st National is not in any way advising merchants on how to run their business. Plugging the unit into a phone line when available is the preferred method with this credit card terminal.  The Store and Forward method does have an obvious risk here because the merchant account does not give authorizations until after the fact.  Some business types allow for this merchant account scenario to work, and doing drivers license verifications and voice authorizations on high tickets mitigate the risk.  If and when this merchant account scenario is feasible for the merchant it does offer a significant savings.

The most advanced merchant account solutions for mobile merchants are our all in one wireless credit card terminals.  These terminals have built in wireless modems available on either the Verizon CDMA Network or the Cingular GPRS Network. Although more expensive than the wireless merchant account solutions listed above, these units provide piece of mind with on the spot credit card authorizations and also have the store and forward feature in case bad wireless zones.  Another very popular merchant account solution for on the spot authorizations is our credit card processing software for laptops. For about the same price as one of our all in one credit card terminals, merchants can purchase a laptop wireless data service plan from one of the many providers, and the credit card processing software, mag stripe card reader, and a printer from 1st National to enable the Laptop to process and authorize credit cards, debit cards and check cards wirelessly.  Both of these options allow the merchant to physically swipe credit cards at the point of sale and to benefit from a retail merchant account. Just like the landline, retail merchants, wireless retail merchants process less risky transactions and qualify for the preferred rates of a retail merchant account. Wireless Point-Of-Sale merchants can also add other point of sale merchant services such as check guarantee, gift cards, value cards, loyalty cards, and prepaid debit & check card services all in one unit.

 Wireless & Portable merchant account rates start at 1.45% and enable merchants to accept Visa, Master Card, American Express and Discover Credit Cards as well as all debit cards and check cards. Pin Based debit card processing may also be added to retail merchant accounts. American Express wireless retail merchant account rates range from 2.55%-3.5% depending on the business type. Portable merchant account solutions carry little or no start up costs and the fully integrated wireless solutions have special financing programs available.  Both merchant accounts carry a flat monthly fee of $7.95 per month, no monthly minimum and no annual fee.  For the wireless solution there is an additional $15 per month wireless access fee.  For qualified merchants 1st National also offers portable & wireless merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Wireless Merchant Account with 1st National Processing Merchant Services.  Toll Free 877-964-1622 or Apply for Mobile Merchant Account .