SaleManager, LLC, through Merchant Focus, is proud to offer access to the highest quality Credit Card Processing and Payment solutions.


Featuring INSTANT ESTABLISHMENT of your Merchant ID Number, as soon as you submit the Online Application for your merchant account, your live Visa/MasterCard Merchant ID is issued to you.


No other eCommerce Processor matches our "merchant friendly" practices!

  • Accept ALL MAJOR Credit Cards on your Web site, Retail or eBay Store
  • Funds deposited directly into your Personal or Business Checking Account
  • Internet accounts INCLUDE real time Payment Gateway & Virtual Terminal
  • NEW FEATURE: QuickBooks Integration System INCLUDED!
    • Allows you to download Settled Transaction Reports into QuickBooks
   

Guaranteed Rates will NOT increase unless Visa/MC increases Interchange*


SCHEDULE OF FEES

VISA US Consumer Credit
Interchange-Plus 10 basis points
Visa: 1.51% + 0.10% = 1.61%
MC US Consumer Credit
Interchange-plus 10 basis points
MC: 1.58% + 0.10% = 1.68%
VISA US Consumer Non-Exempt Debit
Interchange-Plus 40 basis points
Visa: 0.05% + 0.40% = 0.45%
MC US Consumer Non-Exempt Debit
Interchange-Plus 40 basis points
MC: 0.05% + 0.40% = 0.45%
VISA US Business Commercial
Interchange-Plus 40 basis points
Visa: 2.25% + 0.40% = 2.65%
MC US Business Corporate
Interchange-Plus 40 basis points
MC: 2.65% + 0.40% = 3.05%
All Other Interchange Levels
Interchange-Plus 40 basis points
View Full Interchange Charts Below
Visa International Cards
Interchange-Plus 10 basis points
Visa: 1.60% + 0.10% = 1.70%
All Foreign Interchange Levels
Interchange-Plus 40 basis points
See above Full Interchange Chart
Visa/MC Transaction Fee
Interchange-Plus $0.09 cents
$ 0.19
VISA $0.10 + $0.09
Discover Transaction Fee
Interchange-Plus $0.09 cents
$ 0.19
Same as VISA/MC
Visa Non-Exempt Debit Transaction Fee
Interchange-Plus $0.09 cents
$ 0.30
VISA $0.21 + $0.09
MC Non-Exempt Debit Transaction Fee
Interchange-Plus $0.09 cents
$ 0.30
MC $0.21+ $0.09
Full Interchange Categories as published by Visa and MasterCard, please see below.
Statement Fee
$ 10.00
Service Fee
NO CHARGE
Batch Header Fee
NO CHARGE
Annual Fee
NO CHARGE
Address Verification Fee
NO CHARGE
Monthly Minimum
$ 15.00
Termination Penalty
NO CHARGE
Automated Recurring Billing (ARB)
NO CHARGE
Application (Set Up) Fee
NO CHARGE
Chargeback Fee
$ 25.00
American Express Rates
Quoted Directly
American Express Transaction Fee
$ 0.20
Visa Assessment Fee 0.11%
Mastercard Assessment Fee < $1000 0.11%
Mastercard Assessment Fee >= $1000 0.13%
Discover Assessment Fee 0.105%


 

  Payment Gateway and/or Credit Card Terminal OPTIONS:


Gateway One time set-up fee Access fee
per month
Technology fee
per transaction
 PlanetAuthorize.Net FREE $20.00 $0.10 First 250 trans free, monthly, and then $0.10 each
Please Click Here to review our list of Prohibited and High Risk Merchant Types

To get started you must be the PRINCIPAL Owner/Executive of the business:
  1. Business must be located within Canada
  2. Business must be located within the United States of America
    Canadian / International Merchants NOT Accepted
  3. US Federal Tax ID# (For Corporations / Non-Profit Organizations)
  4. US Social Security Number of the PRINCIPAL Signer *
  5. US Personal or Business Checking Account and Routing Numbers
  6. Canadian Personal or Business Checking Account and Routing Numbers
  7. You must be 18 or older to be eligible to apply for a Merchant Account

 

IMPORTANT NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law and the Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, even if the business they represent is a Corporation or Non-Profit.

 

The Online Application Process:

  • AFTER completing the Online Application on the next page, you will instantly be presented with a PDF of your merchant agreement. 1) the CARDHOLDER ELECTRONIC DATA STORAGE COMPLIANCE FORM and 2) your Congratulations page with your Schedule of Fees, Merchant ID Number (MID) and Toll Free Customer Support number.
    • The Congratulations page will contain detailed instructions on how to proceed.

  • DOCUMENTS:
    • Print, Initial and Fax the CARDHOLDER ELECTRONIC DATA STORAGE COMPLIANCE FORM, and ...

    • Print, Sign (twice) and Fax your Congratulations page and Voided Check immediately please.

    • Print, Sign and Fax your Merchant Agreement and Voided Check immediately please.
    • If you currently have a Merchant Account for this business, in order to EXPEDITE approval, please also fax your previous three (3) months complete Visa/MC Statements.

    • PLEASE FAX DOCUMENTS TO THE FAX# ON THE CONGRATULATIONS PAGE.

  • VOIDED CHECK:
    • If you have TEMPORARY Business or Personal CHECKS, or a Deposit Ticket/Slip, please have your bank write a BANK LETTER stating your business name (DBA), Account Number and Routing Number, and fax that to us (do not fax your temporary check for security reasons and Deposit Tickets/Slips are not an acceptable form of bank verification.).

      IMPORTANT NOTE: Please contact your bank to ensure that the Routing Number from your account allows ACH transactions.

  • APPROVAL:
  • If you are an Internet merchant, as soon as your merchant account is approved, we will email your Payment Gateway Login ID and Temporary Password. However, if you process transactions, funds will not be released until we receive your signed Congratulations page and Voided Check.

  • As soon as your merchant account is approved, we will email your Payment Gateway Login ID and Temporary Password.
  • If you are a Retail merchant purchasing equipment, it will be programmed and shipped to you upon approval. You will then receive a call from our Terminal Deployment team for training.


*Visa/MC INTERCHANGE is the fee associated with exchange of transaction data between Acquiring and Issuing institutions in accordance with the Visa and MasterCard bylaws and rules. Interchange is the processing fee charged by Visa and MasterCard to charge the cardholders and pay the merchants. The interchange fee is actually paid to the bank that issued the card while the merchant's bank is charged the interchange fee. Merchant transactions are gathered for processing every night, these transactions are routed to the cardholders to be charged, and merchants are credited accordingly.

By completing the Application and accepting the Online Terms, you agree that: 1) the billing cycle for your merchant account and Authorize.Net NMI gateway will begin upon approval from underwriting and you will need to inform us if you would like to cancel your application, 2) the one time set up-fee of your Payment Gateway as shown in the table above can be debited from your checking account when you receive your APPROVED email from Underwriting.