Accept credit card payments anytime, anywhere with AmeriCommerce Merchant Solution. Whether you have an ecommerce website or an offline business, take advantage of lower rates and less hassle by joining with AmeriCommerce's low-cost, all-in-one merchant account and payment gateway.

See what AmeriCommerce can do for you

• No application, annual or setup fees
• All Internet accounts include payment gateway and virtual terminal
• Full integration with your store and a single point of contact
• No monthly minimum
• Simple, straightforward pricing
• Toll free support

Frequently Asked Questions

How long does it take to get set up?
It is a very fast and easy setup process. In fact, many merchants are up and running the same day. Simply fill out the online form, sign the appropriate documents, and return via fax or email along with a voided check. It's that easy.

What credit cards can I take with an AmeriCommerce Merchant Account?
You will be able to accept Visa, MasterCard, Discover, American Express, and Diners Club.

Can you deposit directly into my checking account?
Yes, all funds are directly deposited into your checking account within 48 hours from batch settlement.

How hard is it to integrate the payment gateway with my AmeriCommerce shopping cart software?
The payment gateway and your AmeriCommerce shopping cart software are seamlessly integrated, and our merchant account support team is here to guide you through this very easy process that usually takes less than 1 minute.

Does your payment gateway come with fraud tools?
Yes, your payment gateway will come with state of the art fraud protection tools designed to help you manage and protect your business. Some of the fraud tools are: Country blocker, IP address blocker, Address verification, duplicate detection, and many more.

Does your payment gateway come with a virtual terminal?
Yes, your payment gateway will come with a virtual terminal at NO extra cost.

What is a virtual terminal?
A virtual terminal allows you to process and manage all aspects of your credit card transactions from your computer via the internet, including mail, phone, and fax orders.

These fees may or may not apply.
Fees vary depending on credit card type and the circumstances of the transaction. Speak with an Americommerce Merchant Account representative for more details.

TERMS

Batch Header Fee - A fee charged when a group of transactions are sent to the processor for settlement.

Reward Cards - Transactions will have an incremental 0.11% (11 Basis Points) added to Qualified and/or Non-Qualified categories.

Non-Qualified Transactions - All bankcard transactions which do not fall within one of the categories listed above, for which an authorization is obtained and deposit date is within seven (7) days of transaction date (for Visa) or 30 days of transaction date (for MasterCard). This is added to the qualified rate for discount rate and transaction fee.

Chargeback - A chargeback occurs when a cardholder contacts their card issuer in dispute of a transaction. The card issuer then submits a chargeback to the acquirer.

Retrieval Request - When the cardholder's issuing bank requests information from the merchant about a particular sale. This is also done to investigate a chargeback claim that has been made.

Early Termination Fee - The initial term of the Merchant Agreement is 3 years and automatically renews for additional 2-year periods. If this Agreement is terminated prior to the expiration of the initial term or any renewal term, you will be subject to this fee.

All monthly sales are based on $100 average transactions.

For the $2800 example we get the AmeriCommerce Merchant Services rate by adding the monthly fee + transaction percentage + the per transaction fee.
Our flat percentage is 1.98%. To get your monthly rate, add $14.95 + ($2800 * .0198) + (28 * 0.28) to get the $78.23 charge.

With PayPal the rates for the $2,800, $9,800, and $90,000 are respectively 2.9%, 2.5%, and 2.2%. PayPal has a $0.30 transaction fee for each transaction.

For other processors we use an average monthly fee of $30 + $20 for Payment Gateway charge and use an average 2.39%. This rate would actually be higher because it does not include the setup fee or the annual fee.