Merchant Account Provider
Standard, Specialty, and MOTO Under One Roof
Merchant accounts for standard, specialty, and MOTO businesses with competitive rates and dedicated support from day one.
Standard Accounts
Fast approvals and competitive interchange-plus rates for low-risk businesses.
Specialty Accounts
Complex industries approved where standard processors decline.
MOTO Processing
Accept phone and mail orders securely without the customer present.
See How Your Rates Compare
Whether you process in store, online, or over the phone, we price every account on interchange-plus with no hidden fees.
- Standard, specialty, and MOTO accounts available
- Interchange-plus pricing on every account
- No application, setup, or annual fees
How much are you overpaying?
Enter your numbers from last month's processing statement.
All figures shown are estimates only and may be subject to change based on application review, business model, risk factors, and underwriting assessments. This tool does not constitute a commitment, guarantee, or offer of specific terms.
Same-day decisions · No application fee · Dedicated account manager
The Right Account for Every Business
From standard ecommerce to specialty verticals and phone-order businesses, we structure the right merchant account for how you actually operate.
One Processor for Every Account Type
Standard Merchant Accounts
For most businesses, a standard merchant account is the right fit. Fast approval, competitive interchange-plus pricing, and access to major card networks. We handle ecommerce, retail, and service businesses with the same reliability we bring to more complex accounts.
MOTO Processing
Process payments by phone or mail without the customer present. Ideal for call centers, order fulfillment, and service businesses.
Specialty Accounts
Industries that standard processors decline by default are our specialty. We review your business model, not just your industry code.
Interchange Plus Pricing
The most transparent pricing model available. You see the base interchange cost and our markup, separated on every statement.
No Setup Fees
No application fee, no setup fee, no annual fee. You pay only for what you process.
Dedicated Support from Day One
Every merchant account comes with a dedicated account manager, not a support ticket queue. Your manager understands your industry, monitors your account health, and helps you navigate any processing issues before they become disruptions. That support continues for the life of your account.
Processing Payments in 30+ Countries
United States
50 statesFull domestic processing with next-day funding and dedicated account management.
European Union
27 member statesPSD2 and SCA compliant processing across all EU member states with multi-currency settlement.
United Kingdom
England, Scotland, Wales, NIFCA-regulated payment processing with GBP settlement and local acquiring.
Australia
All territoriesAPRA-compliant processing with AUD settlement and Asia-Pacific connectivity.
Works With Your Existing Stack
Connect your merchant account to the tools you already use. We support ecommerce, CRM, ERP, and billing platforms out of the box.
Browse all integrationsTypes of Merchant Accounts
A merchant account is the agreement between your business, a payment processor, and an acquiring bank that allows you to accept credit and debit card payments. The type of account you need depends on how you sell, what you sell, and your business history.
Standard Merchant Accounts
Standard merchant accounts are for businesses with straightforward sales models, low chargeback rates, and no industry restrictions. Ecommerce, retail, professional services, and most B2B businesses qualify for standard accounts.
Standard accounts typically offer the most competitive base rates. Approval is usually completed within one business day.
Specialty Merchant Accounts
Specialty merchant accounts are for businesses in industries that standard processors decline or restrict. These accounts require more thorough underwriting and may include reserve requirements, but they give specialty businesses stable, long-term processing relationships.
Industries we commonly approve for specialty accounts include nutraceuticals, iGaming, subscription billing, travel, financial services, and age-verified content.
MOTO Merchant Accounts
MOTO (mail order, telephone order) accounts allow businesses to process payments without the customer or their card physically present. This is required for call centers, catalog sales, and any business that collects payment over the phone.
MOTO transactions carry different liability rules than card-present transactions. Our underwriting team structures MOTO accounts with the right fraud tools and processing rules for card-not-present environments.
How to Choose the Right Account Type
The right account type is determined by how you accept payments and what you sell. A few questions that guide the decision:
- Do customers pay in person, online, or over the phone?
- Is your industry flagged or restricted by major card networks?
- Do you have prior processing history, and what does it show?
- Do you bill customers on a recurring basis?
- Do you sell physical goods, digital products, or services?
If you are unsure which account type applies, our team can advise before you apply. There is no cost to get a preliminary assessment.
What to Expect After Approval
Once your merchant account is approved, you will be assigned a dedicated account manager. They will handle gateway setup, walk you through your pricing structure, and answer any compliance questions specific to your account type.
Processing typically begins within one to two business days of approval. For specialty accounts, additional compliance steps may add a small amount of time to go-live, but your account manager will keep you informed throughout.
