Credit Card Processing Details

Accept by Phone™ - Merchant Account Details
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Normally, credit card processing can be very expensive.

In fact, most merchant services will have statement fees, annual fees, terminal leases (usually 36 months, non-cancellable), transaction fees, monthly minimums (minimum charges, that is) and steep cancellation fees.

You can clearly see how this quickly adds up...

A traditional merchant account might be suitable for high-volume retail vendors - but for a service business - or a solo professional like an attorney - to accept credit cards "traditionally", a normal merchant account is simply not cost-effective.

Accept-by-Phone is able to bypass the majority of these fees due to the way that it is designed to work. See specific details below:

The chart below compares Accept By Phone to Traditional Merchant Accounts
Description	Traditional Credit Card Processing		Accept by Phone
Monthly Statement	$10.00 per month	$0.00
Monthly Minimum	$25.00 per month	$0.00
Terminal/Equipment Lease	$29.99 per month	$0.00
Cancellation Fee	$0.00 - $250.00	$0.00
Transaction Fee	$0.25 avg.	$0.00*
Annual Fee	$45.00 - $95.00 per year	$0.00
Application Fee	$50.00 - $150.00	$0.00
PCI Compliance Fee	** Varies	** Varies (Fee was $34.95 in 2008)
Supplies & Program Fee	$5.95 - $15.00 per month	$5.00 per month
One Time Set up Fee	$0.00 - $150.00	Only $79.00, One Time

Accept by Phone payments have a 3.95% discount rate. For example, it would cost $1.98 to accept a $50.00 payment.

* There is no transaction fee charged to you on Mastercard and Visa transactions -- just a flat 3.95% discount rate. Am/Ex and Discover have transaction fees.

** This PCI Compliance fee varies among providers. In 2008, the PCI Compliance Fee for Accept by Phone merchants was $34.95 -- one of the lowest we know of (perhaps the lowest). The processor informs of the amount of the PCI Compliance fee on the November statement.

See the complete Terms and Conditions in this PDF document: ABP Terms & Conditions
Please note: Sections 8, 12, 16, 25 and 29 do not apply for Dial Pay merchants. With regard to section 28, the merchant is under a month to month contract.

Start Accepting Credit Cards Today >>

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Accept-By-Phone Account Specifics:

No Fees Charged Unless Approved - Then you are able to accept credit cards at a cheap rate without being tied down to one place. Whether you prefer cell phone credit card processing, or any touch tone telephone, Accept by phone credit card processing service is a perfect solution to your credit card processing service needs.

NO Contracts - Sign up with no obligations to continue - and there's no cancellation fee should you decide to cancel.

NO Monthly Minimums - There is no minimum account activity required

Automatic Deposits - All funds will be transferred directly into your bank account within 24 - 72 hours (excluding weekends & holidays).

Accept-By-Phone is Perfect For...

Professionals such as Attorneys and Veterinarians
Service Businesses such as Moving Companies, Landscaping, etc.
Part-time and Seasonal Business Owners

Click to see examples of small businesses that already benefit from Accept-by-Phone

Just Added: Merchants can now view an up-to-date statement of their Accept by Phone transactions by logging into a secure, online merchant control panel once their merchant account has been set up.

Sign Up Risk-Free. Boost your Business by Accepting Credit Cards!

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Find out More about how Accept-By-Phone works in the Tutorial Section

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