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Since our company works with a wide variety of businesses, each with unique requirements, quoting specific rates on a website is challenging. Yet, we understand that visitors to the site like to have an idea of what rates will be.

The following is provided as a general guideline.

Rates may vary depending upon the specifics of your business.

 

Service

Features

Benefits

Rate Range

High Risk Merchant Accounts Domestic

  • High Volume Processing
  • Multiple banks
  • PCI-DSS Compliant
  • Powers Sales Growth
  • Diversification Mitigates Risk
  • Keeps Your Business Safe

2.95 – 4.95%

High Risk Merchant Accounts International

  • No caps on processing
  • Greater tolerance for chargebacks
  • Expands Processing Options
  • Grow Your Business
  • More flexibility to meet your needs
  • More liberal underwriting for hard-to-place industries

3.95-6.95%

International/Offshore Merchant Accounts

  • International Payment Processing
  • Multi-Currency
  • Access to Capital Markets
  • Account Diversification
  • Banks World-Wide
  • Expand Market Reach
  • Get more Orders
  • Increase Access to Credit Lines
  • Decrease Expenses

2.5 – 5.5%

Global Payments

  • Increase Sales
  • Expanded Target Markets
  • Guaranteed Payments
  • No Chargebacks
  • Up to 40%
  • 1.6 bilion potential buyers world-wide
  • Protects Cash Flow
  • Eliminates Fraud

2.5% – 4.5%

 

Factors that Affect Rate Structure

Exact rates are set after a complete underwriting package is received and underwritten. Three factors that affect rates are:

  1. Processing History. Processing history shows the volume of processing, returns, and chargebacks. It demonstrates a merchant’s ability to successfully manage an account.
  2. Business Financials. Generally required for high volume accounts, financials show the flow of money in and out of the business. This helps determine the risk level associated with a particular merchant.
  3. Industry Type. Certain industries are automatically classified as higher risk because of the statistically greater likelihood of chargebacks. Good processing history and financial statements go a long way in mitigating perceived risk during the underwriting process.

A merchant account is at its core a short-term line of credit extended to a business. Once you have established processing history with the banks, initial rates & reserves can be renegotiated and reduced.

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