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In today’s competitive marketplace, accepting credit cards is a must for any business. Eighty-percent of all retail customers pay with their credit and debit cards, and if you don't accept credit cards, customers will go to one of your competitors that does. The acceptance of major credit cards is a key factor in the satisfaction of your customers and, as such, in the success of your business.

These cards are the most commonly used business and personal credit cards in the United States. Whether the card is a regular consumer credit card, is connected to a checking account (i.e., a "check card"), is issued for a business, or accumulates rewards, there are very few consumers who do not have a Visa, MasterCard, Discover, or American Express card in their wallet.

Visa - Offering its cardholders security, flexibility, and convenience, Visa cards account for the highest percentage of credit and debit card activity in the U.S., making it almost a necessity for business owners to accept the card. (Read more…)

MasterCard – Having processed more than 22 billion transactions in 2009 alone, and providing its users with a host of benefits, it’s obvious why accepting MasterCard is essential for business owners. (Read more…)

Discover – With the heaps of benefits Discover offers its users and the loyalty cardholders show the card, accepting Discover is a must for any merchant.
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American Express – Motivated by high credit limits and extensive rewards, American Express cardholders typically spend more (and more impulsively) than other cardholders, making it beneficial for business owners to accept this premium “charge” card.
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Debit Cards - Accepting debit cards is the 21st century way to do business. While debit cards may be processed as a credit card, at credit card rates, using a pinpad with a debit card means: 1) no required signature, 2) lower processing fees (in many circumstances), 3) extremely low risk of chargeback, and 4) the needs of the customer are met.

Business Cash Advances - Whether you're a big or small merchant, cash advance programs such as RockBottom Merchant Accounts' can help grow your business. RockBottom Merchant Accounts can help with advertising and/or inventory or just provide your business with additional working capital. If you have been in business for more than a year and have been processing credit cards for at least four months, you will most likely qualify for an advance! There are no upfront costs, and we can get you funded in about 10 days. Don't miss this opportunity to grow your business!

Call the RockBottom Merchant Accounts' Funding Department today at 1-800-506-8853.

Check Guarantee Services by Global eTelecom (GETI) - Through Global eTelecom, a company that specializes in solutions that help increase cash flow and customer loyalty for businesses, we offer you Point of Sale Conversion, Paper Guarantee, Check 21+, and CheckByPhone. Offer your customers the option to pay by check without having to worry about fraud and bad check fees by selecting one of our Check Guarantee services.

Gift Card Program - Through GETI, we also offer our merchants a Gift Card program. Choose between a Pre-Designed, Custom, or Logo gift card package. Promote your brand and increase destination purchases with gift cards!

Premium Customer Care (PCC) - PCC represents the ultimate in merchant concierge services. One low monthly fee provides an array of valuable benefits, including: a lifetime warranty on equipment purchased or leased from us, free supplies, free loaner equipment, priority status for technical support, and special discounts on peripheral equipment. The benefits are in effect as long as you are a member of PCC.

Online Access (iAccess) - This exciting tool allows you to view all of your merchant account activity online 24/7/365. iAccess is the best online access tool in the business. If on-demand access to your account activity is important to you, try iAccess. The first month is free!

Manual Imprinters - Visa/MasterCard regulations require a receipt for all face-to-face bankcard transactions. If your terminal should fail, you should have a manual imprinter as a backup. Rent one from us for a low monthly fee, and we will include supplies at no extra charge.

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

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Business Cash Advance

Credit Card Processing

Merchant Accounts

Internet Merchant Accounts

Retail Merchant Accounts