The Most Versatile Credit Card Processing Solution
for Your Small Business

We will personally assist you at any point in the process of applying for a credit card processing account. To begin the application process yourself, click on the Apply Now icon below and follow the steps to complete the process. If you need immediate assistance in setting up your account, please call us at 800-326-9897 from 9am-6pm Eastern.

I. Rates and Fees - U.S.A. Based via Phone, Website or In-Person*

One-time set-up fee	waived	Applies to Visa®, MasterCard® and electronic checks. American Express® and Discover® require separate applications, but there is no additional set-up fee.
If you have an existing marchant account and would like to change providers, please call us directly and we will walk you through the process and help you compare your options. Monthly Account Fees
Monthly fee	$16.00	This fee for your Virtual Terminal will appear as "Monthly Fee" on your bank statement and will be debited on the first week of every month. Provides online statement with email notification.
Processing Rates
Visa® and MasterCard® processing rate	2.15%	See contract for any additional Interchange qualification surcharges.
Visa® and MasterCard® per transaction fee	$0.25
Monthly minimum for processing fees	$10.00	Only applies in months where total Visa® and MasterCard® processing fees equal less than $10.
American Express® processing rate	TBD	Rates determined by American Express® at the time of application (optional)
American Express® per transaction fee	$0.20	(optional)
Discover® processing rate	2.14-2.24%	Rates determined by Discover® based on average transaction size. (optional)
Discover® per transaction fee	$0.20	(optional)
Address Verification Service (AVS)	free
Automated Recurring Billing (included)	$0.10 per transaction	monthly fee waived (normally $2.50)
Fraud Detection Suite (optional)	free	Monthly fee waived through July 1st ($5.00 thereafter). For security purposes, this feature is required for anyone doing e-commerce.
Electronic Check Processing Rate (optional)	0.35% - 1.9% + $0.35 per transaction; $10.00 monthly minimum	Rates determined by our partner, Authorize.net, based on your merchant type, credit score and processing volume.

If you are a Canadian citizen looking to accept credit cards, please click here to see our rates and fees. For professionals looking to sell goods and services through their website to customers preferring to purchase in the currency of their country, please click here for our Multi-Currency Pricing program.

*Our already low rates may be even lower if you are a member of one of our many association partners. To find out if your professional association qualifies for a discount, please contact us for details.

Please click here for available printers and terminals.

II. What You'll Need

Please click here for a list of required documents and have the information available in order to complete your application. The entire process should take no more than 20 minutes from start to finish.

Business Contact Information
(mailing address, web site URL, phone and fax numbers)
Ownership Information
(owner names, addresses, and phone numbers)
Business Federal Tax ID Number
(aka Employer Identification Number, if any)
Owners’ Social Security Numbers
Business Bank Account Number, Bank Phone and Address
(including a voided check)
Two Business Trade References
(name, contact person, and phone number)
Nonprofit Organizations: IRS 501(c) Exemption Letter
Copy of Your Professional License (if applicable)
Merchant Account Processing Statements for the last 3 months (if applicable)

You must be at least 18 years of age and certify that you are an authorized officer (owner, president, CEO, chairman, general manager, director, etc.) to act on behalf of your company. Please also see our Restricted Merchant List and contact us for any questions.

* Advertising, Classified Ads, or Advertising Agencies
* Airlines
* Audio Text (900 numbers)
* Auto Parts
* Business or Consumer Electronics
* Cellular Phone Air Time
* Check Cashing
* Collections Agencies
* Computer Software or Hardware over $200
* Credit Repair
* Dating Services
* Dropshipping
* Drug Paraphernalia
* Fine Jewelry over $250
* Gambling or Betting
* Illegal Products or Activities
* Inbound Telemarketing or Audio Text
* Internet Swap Meet with Large Ticket Items (e.g. computers or jewelry)
* Investment Banking
* Investment Opportunities
* Lotteries or Raffles
* Merchants with Open or Pending Bankruptcy
* Non-US Citizens as Principals (must have a Social Security number)
* Non-US Residents (must have a physical address in the U.S.)
* Nutritional Supplements
* Phone Cards
* Pornography
* Precious Metals
* Pyramid Sales
* Stamp Collections
* Third-Party Fulfillment Services
* Travel Agencies
* Vacation Timeshares

III. Apply today and start accepting credit cards this week!

Click the icon below to complete and submit your set-up order form. You'll then be redirected to our secure online application form to apply for your merchant account. Your completed and signed application form must be returned to us by fax or mail with a copy of your voided check and any supporting documents. If you need any personal assistance with this process, please contact us.

If you have a promo code, please enter it below.
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The latest versions of Internet Explorer, Firefox and Netscape are the preferred browsers for using the online application. Users of Safari and Opera browsers have been known to encounter problems during the application process. You must have cookies enabled in your browser in order to use the online application.

Disclosures: American Express® and Discover® require separate approval. View our list of merchants requiring pre-approval to see if you qualify as a Practice Pay Solutions merchant. Final approval is based on industry type, monthly volume, average ticket, creditworthiness, and other factors. All applications are handled on a case-by-case basis. Practice Pay Solutions reserves the right at any time to decline a new merchant account application. If your application is declined for any reason, we will refund your set-up fee.

Sign up for a Practice Pay Solutions merchant account, and receive hundreds of dollars in discounts and free services! Find out more.

Practice Pay Solutions delivers personalized, convenient and affordable credit card, electronic checks and e-commerce processing solutions. The Coaches Console endorses them because, like us, they are credible and dedicated to delivering professional business solutions.

Melinda Burger
Founder and President
The Coaches Console

© 1997-2007 Practice Pay Solutions, All Rights Reserved • Practice Pay Solutions is a registered ISO/MSP of Wells Fargo Bank N.A. Walnut Creek, CA
American Express® and Discover® require separate approval.