Electronic Transfer Credit Card Processing
Nationwide Credit Card Processing since 1989.
Electronic Transfer Credit Card Processing
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Merchant Account

Information on Merchant Account - If you have any questions about setting up a Merchant Account please feel free to ask us!

Merchant accounts are business bank accounts that make it possible for a business to accept a credit cards or debit cards as payment. While the accounts are offered through ordinary banks, they are not the same as the checking or savings account you have with your local bank. A merchant account is more like a contract between the bank providing the account and the business owner, with rules about how products or services are sold and paid for.

Merchant Account set up

It's also common to believe that having the ability to accept credit card payments is too expensive for the average small business owner. With some banks, it may be too expensive as they may charge you an annual fee in addition to per transaction fees- but there are numerous providers that only charge you a small percentage of the sale amount when you process a credit card- an average of just 2-3% per transaction is paid to the merchant account provider. These merchant account providers are ideal for small business owners and online businesses that may only need to process a handful of cards each week.

There are two types of merchant account a business owner can apply for. One is called a "Retail" (OTC) merchant account, and the other a "Mail Order/Telephone-Order" (MOTO) merchant account. The retail merchant account is what a typical retail merchant has, and the fees for transactions are lower than the MOTO merchant account fees because in a retail establishment, the credit cards are physically swiped through a machine to make the transaction, while the Money-Order/Telephone Order merchant accounts charge higher fees due to the need to take two steps to process a card rather than just one and a higher risk of fraud.

Merchant Account Pricing

We offer competitive pricing and we will help you to take advantage of the best qualification rates from Visa, Discover and MasterCard for your business and transaction types. We also offer great products and services, such as fraud management, PCI compliance support and education as well as online reporting options that can help you manage and grow your business. We can usually beat just about any merchant account rates and fees you may currently be paying. Please fill out this short form or give us a call to see how much we can actually save you. It is very common for us to save merchants thousands per year in their processing fees.

An Internet based business will typically require a Money Order/Telephone Order merchant account. The customer enters all of their credit card information into a form on a website, where the data is then sent out for verification and the money is subtracted out of the cardholder's limit. In some cases the card is not actually charged at this stage, however. The money is placed in a holding account, and when the product ships out the card is charged for the purchase price.

Many people are lead to believe that it is hard to get accepted for a merchant account, particularly for a newly established business. This is not the case however, with many merchant account providers offering as high as 98% acceptance rates of applicants.

Merchant Account Company

Electronic Transfer, Inc. is a A+ Better Business Bureau Member Credit Card Processing Company offering businesses a merchant account and the ability to accept credit cards. We specialize in setting up Retail Merchant Accounts, Internet Merchant Accounts, Retail, Mobile and Internet Credit Card Processing and ACH/Check payment processing services.

We offer a full range of payment systems including Merchant Account Terminals, Receipt Credit Card Terminal Printers, Wireless Credit Card Terminals, Mobile Systems, POS Systems and a secure Payment Gateway.


1. Zero Set Up Fees
2. Live Person Support
3. No Application Fees
4. No Hidden Fees
5. Very Low Rates
6. Over 30 Years Experience
7. BBB A+ Rated
8. Free Fraud Screening
9. Fast Funding to Your Bank
10. We're Nice to You!

1. Free Online Virtual Terminal
2. Free Recurring Billing
3. Free Batch Processing
4. Free Fraud Prevention
5. Free Shopping Cart
6. Free Secure Order Page
7. Free Daily Batching
8. Free Address Verification
9. Free Country Blocking
10. Free Donation Billing

1. Retail Merchants
2. Internet Payment Solutions
3. Memberships
4. Mobile Trade Shows
5. Gov't Agencies
6. E-Commerce Merchants
7. Wireless Merchants
8. Firearms Dealers
9. Auction Merchants
10. Plus Many More!

"When I set up my online subscription service, I searched for a merchant account company with comprehensive credit card processing and found Electronic Transfer. Their merchant account service is great, the costs are very low, and the interface tools are very easy-to-use."
John Edelson
Online Learning & Games
www.time4learning.com

payment processing
Copyright © Electronic Transfer, Inc. All Rights Reserved.

Electronic Transfer, Inc. is a Registered ISO/MSP of Westamerica Bank, Santa Rosa, CA.

Electronic Transfer, Inc. offers merchant accounts and credit card processing to accept Credit Cards. ETI has helped merchants with their Credit Card Processing since 1989 - This web page is about Merchant Accounts, Hypercom, Credit Card Processing, Virtual Terminals, Card-Swipe Terminals, VeriFone, Website Payment Processing, Secure Gateway, Wireless Credit Card Terminals and iPhone Credit Card Systems.