Your Dedicated Payment Account
Merchant Accounts for Small & Growing Businesses
Get a dedicated merchant account with transparent pricing, next-day funding, and no long-term contracts. Better rates than Square, Stripe, or PayPal.
Choose the Right Merchant Account
Merchant Account Questions
What is a merchant account?
A merchant account is a specialized bank account that holds funds from credit and debit card transactions. When customers pay with cards, money flows to your merchant account first, then settles to your business bank account—typically within 1-2 business days.
Do I need a merchant account to accept credit cards?
Yes. Every business accepting cards has a merchant account—either their own dedicated account or a shared one through aggregators like Square. A dedicated account gives you better rates, more control, and greater stability.
How do I apply for a merchant account?
Submit an application with your business details, processing volume estimates, and banking information. Standard accounts are typically approved in 24-48 hours. High-risk industries may take 3-7 business days.
What's the difference between a merchant account and a payment processor?
A merchant account is the bank account that holds your funds. A payment processor is the technology that routes transactions. You need both. Most providers bundle them together.
Are there monthly fees for merchant accounts?
It varies by provider. Some charge monthly fees ($10-25), others don't. Beware of "no monthly fee" offers that hide costs in higher processing rates. We offer transparent pricing with no junk fees.
Apply for a Merchant Account Today
Most businesses approved in 24-48 hours. No long-term contracts.