1. Who is the company that your applying with to open your merchant accounts?

A. Do they have a positive online presence?.
B. Do they have any happy clients you can call for a reference?
C. Do they Actually have a business License or Article of Incorporation?
D. Are They Experienced & Have they Been In business longer then two years?
E. Do they Answer their Phones?
F. Do they have several banks to diversify your account to get you an Approval?

2.How long have they had your account for?

A. Some Processors will hold on to your application for a long period of time.
B. If you haven’t herd anything positive for a couple days move your merchant account application.
Chances are they don’t have the ability to place you.
3. Do they charge a processing or application fee for your merchant account?

A. Chances are if not, they aren’t committed to your account.
B. They will not work hard on placing the account.
C. They don’t see any profit in your merchant account if your not willing to make a commitment.
D. Nothing is free, so if they tell you that, chances are, it’s not true you will pay for it somehow within your fees.
E. Everyone needs to see profit, processors, and brokers, as well as banks. Don’t forget businesses are in business for a reason.
F. If you pay the merchant account application or processing fee, chances are you will be approved because you’re worth working for.
4.Are you applying through a merchant account broker or a processor?

A. A Payment processor will not open up other merchant accounts for you; this is how they make profits
B. A payment-processing broker has several relationships.
C. They will help you manage the account and move it any time you may need it.
D. A good merchant account broker is valuable and will also create back up plans.
E. You can also make streams of income by referring other business to them.

5.How stable is your account to the banks in payment processing?

A. Do you have all your documents in order?
B. Are you efficient at getting them together?
C Weather large or small, do you have any financial history to show?
D. Is the bank making any profit on the account?
F. Is there an incentive to work hard for you; to keep solid payment processing?

All these things are very important when shopping for a merchant account.

Who may qualify?
1. Good credit
2, Retail swipe
3. Low risk business
4. Large volume with proven track record
5. Strong financials

Who may not qualify initially?
1. Bad Credit non-swipe
2. New Online business
3. TMF listed business
4. Offshore or high risk merchant accounts which
5. No processing history
6. No financial paperwork

Either way, whether you decide to purchase your credit card processing machine up front or within your processing fee this does generate some sort of commitment to your payment processor and they will be more willing to work with you as well as to help you manage your account.

Whatever your business situation is there are a handful of processors out there in the market that can find a bank for you. These companies will have a very high track record of approval ratings, such as Worldwide Merchant Services LLC. They have a rolling list of solid banking relationships that will get your business qualified.

Payment processing is the electronic means of exchanging account information from the store level to your payment gateway originating through a credit card purchase which initiates a secure encrypted transaction request electronically sent to the gateway allowing the transaction to clear. Your payment gateway then immediately corresponds with your merchant account, which corresponds with your financial institution in real time. This process typically takes less than a minute.

A payment gateway allows your business to make payments transactions to a payment processing system electronically, which is through an automatic clearing house called an ACH. An ACH is a secure payment

transfer system that connects all US financial institutions. The other payment processing system is through the credit card interchange, which in essence is the clearing process of credit card transactions. They also settle and manage these transactions.

If you are an online merchant your website should be set-up with an online catalog and a shopping cart. Consumers shop from the comfort of their home and at any hour of the night and day with a click of a button. If your store doors are not open after 5:00 p.m…. not to worry, your online shopping is open 24/7. An additional way to triple your business profits.

What is a shopping cart? A shopping cart allows consumers to purchase items from your business website via online and is connected to that payment gateway which is connected to your internet merchant account which is connected directly to your financial institution. Again, getting that money electronically in your account in seconds.

What is a virtual terminal? It is a virtual point of sale terminal, which is another secure method of processing payments using a computer. This method allows you to key in the consumers information, which is bundled with a payment gateway that enables you to process a credit card transactions over the internet. This process is necessary for a business that processes a majority of orders via phone, mail order or fax.

It is imperative for your business to be able to process payments in an array of different ways to accommodate each and every consumer. Plain and simple! In exchange for nonminal processing fees you get rewarded by the added profits. In this market you must be set-up correctly in order to make the most money from your business. If you are unable to process a payment via check the customer walks away, if you are unable to process a credit card payment that customer walks away, if you are unable to process a debit card, guess what? Your customer will walk out or go to another website that can accommodate that purchase. Each purchase whether is be for $5.00 or $500.00 adds up to money in your pocket. Get the picture? This is why you are in business to make money… bottom line, literally!

So be sure your  business is set-up efficiently in advance and you will be running smooth prior to your Grand Opening.

Worldwide Merchant Services will buy out businesses current Canadian leases and contracts. In doing so will substantially reduce their current rates and increase their bottom line. With WMS offering its new program it will allow Canadian merchants that are paying over-the-top Canadian leasing prices and very high Canadian discount rates to save hundreds if not thousands of dollars on their current contract.

Canada as a country received very low technology rankings on a recent study. Not only do they receive under par services but they pay higher pricing just to have it. A professor at the University of Ottawa said he wasn’t surprised of the results of the study; countries all around the world typically get far better deals with superior services than what the Canadians experience right now. Frankly, the Canadian market is far behind when it comes to credit card processing.

The technology and the streamline modern processes is what WMS is now contributing. Because WMS is based in the United States they have the leverage and the innovation that no other Canadian merchant servicing company can offer today. This combination makes for an ultimate merchant account that is second-to-none for Canada businesses.
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Save time and money! Not only can we get you approved faster and in less time than the other guys, we stay with you through the whole process and then keep working for you even when you have you credit card machine in hand. After all you will need more customers and that”s something we can help with too. Our Specialty does not stop at the initial contract. WMS takes on the responsibility as your partner in helping you achieve your goals.

With our corporate office in Las Vegas Nevada Richard A. Kasey and his team have over 20 years of experience over 100 different Banks and 15 different processors, not to mention WMS has several gateway companies that are compatible.

In the credit card processing industry. We have Agents across the country to serve your needs.

We have Satellite offices all across the United States, Baja and in Canada and Worldwide. Let’s face it this industry is very competitive and also offers several different options to the client. Our goal is to stop the confusion and put all these specialized services under one roof, get you approved and set you up properly the first time with the utmost integrity to keep your business for life.

Our Specialty does not stop at the initial contract. WMS takes on the responsibility as your partner in helping you achieve your goals.

WMS will help you manage the merchant account and also create a back up plan or two so your never being held hostage by some of these banks.

WMS has over 2,500 happy clients with many good references.

WMS TAKES PRIDE IN HELPING OUT WITH CHARGEBACKS AND STAY IN DIRECT CONTACT WITH THESE BANKS TO LIMIT OTHER ISSUES.

Weather your Large or Small, Good Credit, bad credit, high risk or not, offshore or in the states, Lots of volume or very little, WMS is there to help you in any way we can.

WMS will meet any need you may have with the goal of keeping you as a happy client forever. We specialize in it all.

WMS can have you approved within 24.hrs or less.

With the new economy, most consumers are carrying less cash and using their credit cards for payments at a higher rate. By allowing clients to process payments electronically in person or at home on the computer, dental offices will be able to see a positive increase in business as well as revenues.

WMS dental merchant accounts offers companies the flexibility and value that their customers are accustom to. Each account includes the following features:

• Able to accept VISA, MasterCard, American Express, and Discover credit & debit cards. Electronic check is available for all accounts upon request.
• 24/7 technical support
• Internet virtual terminal for processing payments online
• Secure online payment form for processing payments via the company website
• The company name will appear on all credit card statements provided to the customer

By calling Worldwide Merchant Services today, your medical business will be able to learn how to save money on transactional fees and increase revenue right away.

Call (866) 949-VISA(8472) or apply today.

It is very common for customers to go with the first or second merchant account service they come across when setting up a medical business to accept credit cards as a form of payment. It is even more common for the business to stay with the same merchant services provider even though there could be substantial savings under another program.

Setup correctly the first time and avoid the headaches and losses:
In most cases, newly registered businesses are bombarded with calls about getting setup to process credit cards and other electronic payments such as eCheck or ACH. Those businesses that dove into the first offer without researching the market and finding the best possible solution are most likely paying the price with higher rates and fees. The best option for new medical businesses is to find a reputable merchant service broker who will shop around for the best deal before locking the client into an agreement with the processing bank.

Avoid processing VISA MasterCard payments with CareCredit machines:
Another common mistake most medical businesses make is processing all VISA & MasterCard transactions via a CareCredit terminal. CareCredit’s processing fees range from 3.5-4.5% for all VISA & MasterCard credit & debit card charges which are more than double what VISA & MasterCard charge. Once setup with a pin-based debit machine, savings on non CareCredit customers payments are in most cases enough to make the business owners’ jaws drop.

Take advantage of fixed rates:
Pin based debit transactions are set at a flat rate which will be drastically lower than any percentage based credit card swipe fee. It is important to make sure your broker does not raise this fee at any point during the life of the contract unless the rates are actually raised by VISA & MasterCard themselves. There is no way for any merchant services company to avoid raising the pin debit rates proportionally because the entire industry will have to pay the new rates.

Worldwide Merchant Services provides medical pin based debit accounts as well as high risk & offshore merchant accounts.

Call (866) 949-VISA (8472) Today!

This is where you can count on Worldwide Merchant Services. WMS is able to provide offshore online merchant accounts at very competitive pricing due to years of building connections and bargaining down rate plans with hundreds of offshore merchant account providers. WMS approves 99% of its high risk business merchant accounts every month including many pharmaceutical companies. We understand the importance of offshore trading for pharmacies in order to keep profits high.

What kind of rates do pharmacies pay for offshore merchant accounts?

All rates are determined on a case by case basis. Generally, pharmacies who are more established and who process more than $1,000,000 per month will most likely qualify for a rate between 4% and 6%. New start up pharmacies and high risk businesses who processes lower amounts of volume such as $50,000 and below will qualify for a slightly higher rate at around 6% – 8%.

How long does it take to receive an approval and start processing credit cards the pharmacy merchant account?

Worldwide Merchant Services usually receives an answer of approval from its extensive list of high risk merchant account providers within 2-3 business days. After receiving an approval from the qualifying bank, the account can be setup in as little as 24 hours.

Don’t Wait. Signup Today

Applying for a pharmaceutical merchant account is fast and painless. All you need to do is fill out the application online and your information will be sent right away for approval.

There are many examples of high risk merchants such as Telemarketers, Internet and eCommerce Businesses, Travel Agencies, Online Casinos, Dating and Adult Websites, Affiliate Gateways, and so on.

But owning a high risk business does not mean the business is unable to get approved for a merchant account and be happy with the rate and terms. There are a few steps the business can take to help get approved swiftly and start processing clients right away.

First, ensure that the business owners are up-to-date on their credit history and honest about any bankruptcies, liens, judgments, and previous merchant accounts. By acknowledging past financial hardships, the company’s credibility with the merchant provider rises and the chances of becoming approved are much greater.

Secondly, be aware that if the business’s credit is subpar and has had a few speed bumps with previous merchant accounts, it might be required to setup a reserve account, which protects the processor from any future losses. The reserve account for your high risk business will be calculated as a percentage of a projected average of total sales. This saves the high risk merchant account from being shut down due to chargebacks.

Finally, make sure to find a merchant broker that is going to go the extra mile by shopping as many banks as possible to find the best rate for the high risk merchant account. Leave the headaches to the broker.

Owning and operating a high risk business does not trap a company into not being able to process credit cards. As long as the above tips are followed, the experience of opening your merchant account will go smoothly and the business will be on its way to increasing cash flow.

Worldwide Merchant Services, LLC, www.WorldwideMerchantConnect.com, VP of Marketing Tim Gaines is in charge of all promotions and product launches.

Worldwide Merchant Services’ goal was to be the only independent merchant services broker to build a complete & solid umbrella of services that have been offered by thousands of different companies across the entire world and make it a one stop shop for all your merchant needs. They have achieved that goal and beyond.

The company is superior and still fresh with vision that goes beyond recognition and the call of duty.

Being the only Company to go global with all these different broad state of the art products with the ability to still compare and broker these services at competitive wholesale pricing that’s bar none hands down unbeatable. The WMS motto is, “If we can’t save you time or money we will send you $500.00.”

Worldwide Merchant Services, LLC also gives away free credit card machines, free merchant account terminals, let alone offers free ATM machines. Companies need to feel confident these days that they made the right choice. With worldwide Merchant Services, LLC promises to increase your cash flow and leverage your time doing what your company does best.

WMS offers state of the art services such as wireless merchant services such as iPhone merchant accounts, Wireless merchant services with BlackBerry merchant accounts, ATM machines, free credit card terminals, wireless merchant services with pin based debit credit card machines and programs, with flat fee credit card processing & no percentages, online credit card processing. Worldwide Merchant Services, LLC offers bad credit merchant accounts & bad credit merchant services along with no set up fees. They also offer check 21 and other check guarantee services & no trips to the bank.

In these tough economic times cash flow is a necessity to keep the doors open. WMS offers cash advances up to 120% based on your monthly volume on your merchant account. Worldwide Merchant services LLC also offers merchant accounts with cost pricing and in a lot of these cases they can waive a lot of the fees for most companies.

WMS specializes in no limit gateways for adult website merchants and adult entertainment companies as well.

When it comes to offshore or high risk merchant account Worldwide Merchant Services, LLC is untouchable in the industry.

For all retail clients in most cases we reprogram your machine, even your current wireless merchant services terminal or credit card machine at no charge to you. Worldwide Merchant Services, LLC can get you approved when all the other banks have turned your company down.

Bad credit isn’t an issue. You’re approved with WMS. WMS also handles merchant services in Canada, merchant services in Mexico and Bilingual in most languages.

There is nothing Worldwide Merchant Services, LLC won’t or can’t do.

WMS has what it takes with that can do attitude and will go beyond the call of duty to keep you as a long-term client for the duration of your business. This builds strong customer relationship and stimulates the economy by all the aggressive broad range of merchant services.

WMS is hiring ISOs and independent sales agents worldwide. Contact us for employment opportunities at www.worldwidemerchantconnect.com.

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