Privacy Policy

1. Collection of Information

Depending on what you do when you visit any web site, you provide information about your visit to the
site's owners. Your visit to RockBottom Merchant Accounts site may provide us with certain statistical information collected on
an aggregate basis as you browse the site. We use the information to improve the usefulness and
quality of the site and to respond to our visitors' requests for information or other services. Except as
specifically noted below or in the RockBottom Merchant Accounts Terms and Conditions of Use, we do not use your personal
information for any other purpose and we do not sell or distribute it to any third party.

As you browse RockBottom Merchant Accounts' web site, we are able to collect information on the domain from which you
contacted us, but not usually personal individual information such as your e-mail address. We also
capture information that helps us track, among other things, the number of visits to our site, the
number of return visits, which pages at the site are visited most often, where visitors were before they
linked to our site and the number who leave our site via a link to another site. These statistics are
collected through web server logs and cookies, which allow us to trace the paths followed by visitors to
our site as they move from one page to another. Cookies do not capture your individual e-mail address
or any private information about you.

When you send us an e-mail to comment on our products or services or to ask a question, we learn your
exact e-mail address and any personal information about you that you elect to provide in the e-mail. The
information is used only to respond to your communication, but will be stored, along with our reply, in
case further communication is necessary or appropriate. Your e-mail address will not be used to send you
unsolicited messages or information about RockBottom Merchant Accounts, nor will it be sold to anyone else for such use. If
your e-mail requested information or other services offered through our site, your e-mail address will be
used to provide the requested information or service until it is no longer available or until you
affirmatively ask us to stop providing the product or service. We will not use your address to send you
unsolicited information, unless it is related to the information or service you requested

2. Collection and Protection of Personal and Business Information

If you choose to apply as a merchant to open an account for processing credit card transactions by your
customers, or any of the other services offered by RockBottom Merchant Accounts, or have already chosen to do so, you will be
providing, or have already provided, information about yourself and/or your business to RockBottom Merchant Accounts.
RockBottom Merchant Accounts takes the confidentiality of your personal and business information very seriously. We do not
collect information from you unless you provide it to us in connection with your application for a service
or product offered by RockBottom Merchant Accounts, and the information provided to us is used for the purposes of
considering, underwriting, approving and setting up your account for the product or service you
requested. In addition, from time to time, RockBottom Merchant Accounts may use certain of the information you provide to us
to contact you about other products or services offered by RockBottom Merchant Accounts, or its business partners, that may
be of interest to you. RockBottom Merchant Accounts may also provide your contact information to certain of its business
partners to enable them to contact you directly regarding such products or services. If you do not want
RockBottom Merchant Accounts or its business partners to contact you about such other products or services, please send an email
to This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Please make sure to provide us with your business name,
city, state, and merchant identification number (MID). If you have multiple accounts with us, identify
each account for which you are opting out. RockBottom Merchant Accounts will promptly honor any such request received at
this e-mail address.

3. Children

RockBottom Merchant Accounts does not solicit data from children and does not market to children.

4. Linking to Other Sites

Remember that when you link to another site from RockBottom Merchant Accounts, we do not control the site and neither our
Rules of Use nor our Privacy Statement apply to the linked site. Your use of other sites is subject to that
site's own Rules of Use and Privacy Statement and you should review them before browsing the site.

Credit Card Processing

What is credit card processing? Credit card processing is the process of taking electronic payments and moving the funds from one source to another. Credit cards are one of the most used sources of payment today. Accepting credit cards allows you to maximize every potential sale opportunity and decreases the loss of sales due to lack of payment options. We at RockBottom Merchant Accounts want to make your experience with credit card processing a positive and efficient one. When it comes to credit card processing, it is important to keep in mind that credit card transactionprocessing is a business and service that you pay for. RockBottom Merchant Accounts understands this and will be by your side making sure you get the value that you are paying for. The costs to you for accepting credit cards are minimal considering the benefits, at RockBottom Merchant Accounts we want to make these payments as low as they can possibly be.

Merchant Accounts

As a merchant services provider, RockBottom Merchant Accounts provides credit card processing and debit card based payment processing services to merchants all over the United States. Not only does RockBottom Merchant Accounts set merchants up with an account to accept Visa^®, MasterCard^®, and Discover^® but also offers the merchant the opportunity to set up numerous other payment processing options for its customers. We want you to accept credit cards! Some of those additional payment options customers can pay with are American Express^®, Wright Express, Voyager, PIN-Based Debit, Checks, and Gift Cards. Learn more about these on the Merchant Services page.

RockBottom Merchant Accounts also holds true to its name as a merchant service provider. We pride ourselves in offering our merchants a level of professionalism and service no other payment processor can equal. Are you a merchant calling to set up service? We will not only expedite your application, but we also have terminals on hand to download and overnight to you to make sure you don’t lose a day of business. Do you have questions on your statement? On how to use your terminal? On how to order supplies? Help is just one phone call away! Our friendly and knowledgeable staff is here to assist you with any questions you may have and to ensure you are on the right track to process credit cards. Trouble with a customer who wants to charge back a transaction? We have one of the largest Chargeback and Fraud Departments in the industry! We will assist you in keeping the funds that belong to you.

RockBottom Merchant Accounts is here to serve all of your merchant services needs. Contact us about a merchant account today!

Internet Merchant Accounts

Internet merchants are not just those who have ecommerce websites. They can also be those who turn their personal computers into “virtual terminals” and process credit cards over a secure server. These merchants receive keyed rates because the credit card information is 100% keyed into the computer. Keyed rates are higher than swiped rates because more risks are involved in not being able to check the ID of a customer. To decrease risk, the secure server (gateway) portal requires specific information to help identify if the customer is really the cardholder. The billing address for the credit card is requested (AVS), as is the expiration date of the card, and the 3 to 4 digit code on the front or back of the credit card (CVV2 number). Transactions where this data matches the card will receive a lower discount keyed rate than when the data does not match the card, as those transactions are more risky and possibly fraudulent.

You will have to pay an additional fee as an Internet merchant account holder. This additional fee is the Secure Gateway Fee. Both ecommerce and virtual credit card merchant account holders have this additional fee, as the cardholder’s information will be passing over the Internet for processing in each case. The gateway keeps cardholder data private and secure from hackers and identity thieves. RockBottom Merchant Accounts uses Authorize.net as its gateway provider. Authorize.net is a PCI DDS (Payment Card Industry Data Security Standard) compliant company, so you know you are getting the best with this merchant account service.

Internet merchants are our fastest growing merchant base for credit card processing. If you are interested in more information on our Internet merchant accounts, please apply now!

Retail Merchant Accounts

Retail merchants process face-to-face sales through the credit card terminal by swiping the card. This allows you to obtain lower discount rates on your transactions and mitigate risk by checking the customer’s picture ID to verify that the credit card belongs to the customer. RockBottom Merchant Accounts offers rates begin at 0.49%† for swiped credit card merchant accounts, which is one of the lowest rates in the industry.

Retail merchants are both storefront locations as well as in businesses where the merchants travel with a wireless credit card terminal. In both cases, at least 50% of your payment processing activity should involve face-to-face swiped transactions. Retail merchants also have the ability to process checks, gift cards and process PIN-based debit transactions by having the customers key in PIN-numbers.

Many consumers expect retail merchants to accept credit cards and debit cards. Contact us about RockBottom Merchant Accounts merchant accounts today! Don’t let the lack of credit card processing capabilities cause your business to fall behind!

Merchant Account, Credit Card Processing and Merchant Services