Merchant Card Account
At UniBul Merchant Services we are registered with both Visa and MasterCard to provide merchants with the ability to accept their credit and debit cards. We will also enable you to accept Discover, American Express and all other major credit card brands. Our merchant card account services are all set up to use the pass-through processing rates which ensures lowest possible payment acceptance costs. The reason why the pass-through is by far the most beneficial pricing model for our merchants is that it adds our low processing costs (which are the same for all types of merchants) to the interchange fees that are set by the Credit Card Associations and are published annually. By contrast all other pricing models in use today provide flat rates, in one form or another, for all types of credit and debit cards. Merchant processing providers who use them have to offer a high enough rate to ensure them against a loss on any single transaction, which means that it has to be higher than the highest possible rate.
Our Payment Processing Rates
| APPLICATION FEE | $0 |
| MERCHANT CARD ACCOUNT SETUP FEE | $0 |
| EQUIPMENT REPROGRAMMING FEE (IF APPLICABLE) | $0 |
| VISA/ MASTERCARD DISCOUNT RATE - CONSUMER CREDIT | 2.15% - INTERNET, 1.65% - FACE-TO-FACE |
| VISA/ MASTERCARD DISCOUNT RATE - CONSUMER DEBIT | 1.94% - INTERNET, 1.38% - FACE-TO-FACE |
| VISA/ MASTERCARD TRANSACTION FEE - CREDIT & DEBIT | $0.25 - INTERNET, $.20 - FACE-TO-FACE |
| PAYMENT GATEWAY MONTHLY FEE | $9.95 - ECOMMERCE MERCHANTS ONLY |
| MONTHLY STATEMENT FEE | $9.95 |
| MINIMUM MONTHLY PROCESSING FEE | $0 |
Our payment processing rates and fees are among the lowest, if not the lowest in our industry. Yet, they are just one of the reasons why you should inquire about setting up a merchant card account service with us. All of our processing solutions come with built-in fraud protection capabilities and support all major fraud prevention tools, including the Address Verification (AVS) and Card Verification (CVV2) services. Our customers also benefit from:
- APPLICATION DECISION WITHIN HOURS OF SUBMISSION
- A GREAT LINEUP OF ADDITIONAL PAYMENT SERVICES TO CHOOSE FROM
- RELIABLE, FAST TRANSACTION AUTHORIZATION
- FREE AMERICAN EXPRESS AND DISCOVER CARD ACCOUNTS
- FUNDS DEPOSITED INTO YOUR CHECKING ACCOUNT WITHIN 48 HOURS
- FREE VIRTUAL TERMINAL FOR ECOMMERCE MERCHANTS
- EXTENSIVE WEB-BASED REPORTING SERVICES
- CHARGEBACK AND RISK MANAGEMENT TOOLS
- DEDICATED CUSTOMER SUPPORT CENTER
