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 Discover the Difference with Terminal Deals   24/7 Toll Free Customer Service

At Terminal Deals, we have invested in dedicated departments for both account service and equipment support. These in-house teams will do whatever it takes to keep you up and running with as little down time as possible.

Besides our top notch internal team, our network of service providers has over 900 customer service representatives ready to assist you with your merchant account at any time.

Real-Time Account Access

Many merchants want more access to their accounts than just getting a statement once a month. Our merchants can get online merchant account data, including transaction summaries and batch detail reports, meaning no more waiting for statements to balance your books!

No Down Time

A state-of-the-art-network ensures your credit card processing transactions go through when you need them to.

Peace of Mind

Our expertise and personal service allow you to run your business without worrying about your merchant account or your credit card processing services. Most importantly, since we don’t require contracts and don’t charge any termination fees, you can trust that we will constantly do anything we can to keep you satisfied.

Your satisfaction is our top priority. We’ll give you an honest review of competitive quotes or offers — whether you choose us or not!
 		  The difference between Terminal Deals and other merchant account providers is the service Terminal Deals guarantees. In this article you will learn more about the edge Terminal Deals has over other merchant accounts within the industry. 
 Factors to Consider When Choosing a Merchant Account   There are several factors to look at as well as traps to avoid when choosing the best merchant account for your business. This article should help guide you in making the best choice for your business when choosing a merchant account.

Suspiciously Low Rates

Make sure the rate you’ve been quoted is for the type of transactions you’ll be processing. For example, many mail order merchants have mistakenly signed up for a retail merchant account with low rates and found themselves getting charged much higher fees because they were not swiping their customers’ cards.
Ask whether the rate you’ve been quoted is an introductory rate. Some processors automatically raise your rates after an initial period, resulting in unexpected credit card processing costs down the line.
Average Ticket and Monthly Volume

Every processor will ask you to estimate your average sale and monthly credit card volume. This, in part, allows the processing company to determine the level of risk they are taking by extending you a merchant account. If you estimate far too low, you may run into trouble, as you are now a higher risk than the processor initially estimated. On the other hand, if you guess far too high, you may be required to file some extra paperwork and provide significantly more business or personal credit-related materials. Talk it over with your account representative; he or she should have plenty of experience estimating volumes and average tickets.
Understanding Fees

When you first get a quote for merchant accounts, some fees may seem a bit confusing. Take the time to go through your application and ask questions about the fees you don’t understand. Taking the time to go through the fees may prevent unpleasant surprises when you get your first merchant statement. Remember, a quote is not the same as a statement of fees. Many quotes do not list all possible fees, so make sure to do your homework and get the statement of fees.
Contracts & Cancellation Fees

Before you even set up a merchant account, ask for details on how you would go about canceling. Is there a termination fee or time commitment? Some processors may have contracts for their merchant accounts that automatically renew if you don’t give written notice more than a month before your contract expires. Also, beware of claims such as "even though you have a fee in your contract, we never charge it."
Not all processors require a contract, so unless there are some special circumstances, it is usually best to go with a company that is flexible and doesn’t require you to make a long-term commitment. Think of it this way: if you can cancel your merchant account at any time, a good company will work hard to keep you a satisfied customer.
Customer Support

Many companies use the same employees for sales account service and technical support, or worse, don’t even have an internal support staff. A company that has dedicated departments for each will be able to offer you expert help, whether you have questions about your statement, or need to get your terminal back up and running in a hurry.
A processor that offers 24 hour support will be there whenever you need them, meaning you won’t be at the mercy of someone else’s business hours. 24 hour support is also a good indicator of the company’s commitment to its customers beyond the application process.
Find more information about merchant accounts in our Merchant Account Resource Center.

Questions? Call us now.
1.800.676.4030


Accept Credit Cards Today!
Call or simply answer the questions below to get started.

Does your business currently accept credit cards?
Select One ------------------ Yes No
Are you currently in need of credit card processing equipment or software?
Select One ------------------ Yes No Not Sure
How much do you currently accept, or do you anticipate accepting, in monthly charges?
Select One ------------------ Under $5,000/month $5,000 - $10,000/month $10,000 - $20,000/month $20,000 - $40,000/month $40,000 - $100,000/month Over $100,000/month
Merchant Warehouse Low Cost Guarantee on Merchant Accounts and Credit Card Machines:
To the best of our knowledge, you will not find better prices anywhere else. Each week our staff scours the internet and calls various companies across the country to find the lowest prices available on merchant accounts and equipment.

We are so confident that our prices are the lowest, that we guarantee it!

Tell Me More About Your Guarantee 		  There are several factors to look at as well as traps to avoid when choosing the best merchant account for your business. This article should help guide you in making the best choice for your business when choosing a merchant account 
 What You Should Know About a Merchant Account   Unfortunately, merchant account providers are not always 100% straight about the service they will be providing to potential merchants. This article provides an overview on what to look at before you commit to a merchant account.

You could sign up for a merchant account, with what appears to be a very low rate, but end up stuck in a messy contract riddled with inflated fees, timed rate increases or extremely high rates for different types of transactions. If a low rate is all you look for, you could find yourself paying a lot more in the long run.

In addition, the service commitments a company provides can prove just as important as rates and fees. If you have questions or problems with your merchant account and can’t get any assistance, the last thing you’ll be thinking about is your rates. Just think what it would cost you to lose the ability to process charges for a few days!

In summary, when you are considering different merchant accounts, you should think about what will benefit your business the most in the long term. Whether you choose Merchant Warehouse or another merchant services company, we want you to be able to make informed decisions.

Find more information about merchant accounts in our Merchant Account Resource Center.
 		  Unfortunately, merchant account providers are not always 100% straight about the service they will be providing to potential merchants. This article provides an overview on what to look at before you commit to a merchant account. 
 Merchant Account Rates   This is a question our sales team hears throughout the day. So why doesn’t Merchant Warehouse just post our rates for merchant accounts on our website so that customers can compare pricing? The answer is a bit more complex than you may expect.

Simply stated, if you shop for a merchant account by focusing only on rates, you will end up paying too much.

For many merchants, the merchant account rates can amount to only a small portion of their overall cost. If you only consider merchant account rates, you are excluding a long list of potentially costly factors such as credit card equipment, start-up or termination fees, annual fees, contracts, monthly minimums, statement fees and many other expensive pitfalls.

Contrary to what some companies would like you think when they boldly advertise seemingly low rates, there is no “standard” rate for merchant accounts for pricing comparison. Visa® and MasterCard® each have over 100 different merchant account rate categories based on the type of card, environment in which it is accepted and whether or not all the cardholder information is collected properly and accurately. These categories are then consolidated by each processor into groupings with averaged rates called “qualified,” “mid-qualified” and “non-qualified.” The less “qualified” the transaction, the more you are charged.

So, the next time you are looking for a merchant account, remember to avoid the, “What are your rates?” question. Instead, try to focus on the overall expected cost of processing and factor in all potential fees. If a company guarantees to have the lowest rates, ask to see it in writing. If they have the guarantee in writing, you will quickly realize that these low merchant account rates only apply to a very small fraction of your credit card transactions.

Hopefully, it is now easy to understand why we do not post rates for merchant account on our website, as advertising them can become confusing and potentially deceptive.

Merchant Warehouse guarantees to have the lowest overall costs of processing and we put it in writing here. You can count on our professional staff to educate you on all your options and advise you on how to get the best possible rates for your specific business situation
 		  What are your Merchant Account Rates?

This is a question our sales team hears throughout the day. So why doesn’t Merchant Warehouse just post merchant account rates on our website so that customers can compare pricing? The answer is a bit more complex than you may expect.
 
 Does My Business Need to Accept Credit Cards?   In today’s competitive marketplace, it is almost a necessity for any business to accept credit cards. 80% of all retail customers pay with their credit and debit cards, and they will go to one of your competitors if you don’t accept credit cards.

To accept credit cards, what you need is a merchant account. Companies, such as Merchant Warehouse, give businesses the ability to accept credit cards as well as debit cards, smart cards, and electronic benefits transfer (EBT) by providing them with merchant accounts.

When you call or complete Merchant Warehouse’s online form to request a merchant account, you will be assigned a sales representative. He or she will ask a few questions about your business, and answer any concerns you might have. Your application to accept credit cards will then be submitted for approval. Merchants are typically notified of approval or decline within 24 hours of submittal.

Once the submitted merchant account is approved, your assigned sales representative will contact you immediately. Any credit card equipment ordered will be directly shipped to your business site so that you may immediately begin to accept credit cards.

If you would like to accept credit cards, fill out this simple form to request a merchant account from Merchant Warehouse.

For more information on how to accept credit cards, visit our section on credit card processing. You can also learn more about merchant accounts in our Merchant Account Resource Center.
 		  Don't miss out on additional revenue by not accepting credit cards. This article tells you why you should accept credit cards and shows you how easy it is to get started. 
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