•  What credit cards can I accept?

      You can accept Visa®, MasterCard®, American Express® and Discover®. We
      also offer Diner's Club® and JCB®.

•  How long does it take to start accepting credit cards?

      Our online application will only take 5 minutes to complete. Most of our
      merchants start accepting credit cards in 24 hours.

•  Do you offer free technical support?

      You will be provided with an (800) number to handle any problems or
      questions.

•  I have a bad credit rating, is this a problem?

      No. National Merchant Bancard has one of the highest approval rates in the
      industry.

•  What is a Discount rate?

      The discount rate is the percentage of each transaction that the processing
      company charges to handle the transaction for you.

•  What is a Virtual Terminal?

      A web-based terminal that enables businesses to authorize, process and
      manage credit card transactions from any computer that has an Internet
      connection and a Web browser.

•  Is check software included?

      Yes. We provide all of our merchant with free* check software.

•  How will I receive payment on each of my transactions?

      After the transaction has been approved, your customer's charges are
      deposited directly from our processor to your bank account. Transaction
      deposits range from 24 to 72 hours from the date of the transaction.

•  Do I receive any training on the equipment?

      You will be fully trained on all equipment at NO charge.

•  What is an Address Verification System?

      An Address Verification System (AVS) verifies that the Address and zip code
      match the credit card customer.

•  What is a Gateway fee?

      A gateway fee is charged to allow merchants the ability to perform secure
      real-time credit card authorizations manually using a virtual terminal or on a
      web site over the Internet.

•  What is a Chargeback?

      A chargeback is when a customer disputes a charge on their statement by
      contacting the credit card company instead of contacting you. If a customer
      does not recognize the charge on their statement, or if they believe the
      amount was wrong, they may call their credit card company and ask them to
      investigate.