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Running Debit Cards as Credit?
Many business owners believe in the philosophy of “if it isn’t broke don’t fix it” when it comes to credit card processing. The problem with this is that most businesses do not review their rates, services, and equipment options to ensure that they are paying as little as possible for their merchant services.
In the past few years Debit transactions have became the #1 means of payment for card present transactions however several businesses still run debit cards as credit. If a business runs a debit card as a credit card, sure they will receive the money and the transaction will be approved but the merchant will be forced to pay more than if they asked the customer to enter their pin number. When a customer enters their pin number the risk is reduced greatly for Visa and MasterCard which in turn costs the merchant much less to process. The table below outlines a debit vs. credit transaction fee summary.
|
Calculations based on industry average for rate and per item with a $100.00 transaction. _______________________ Total Fees |
Debit Card With Pin Number |
Debit Ran as Credit |
|
0.00% |
1.35% |
|
|
$0.15 |
$.20 |
|
|
$0.15 |
$1.55 |
We are currently offering a free credit card terminal, check reader, and pin pad to the next 10 customers. Simply apply online by clicking here . We also guarantee the lowest cost on credit card processing or we’ll pay you $500.00. Please connect to us through merchant circle to receive other special offers.
Rates below are for Retail Swiped Merchants. If you have a different type of business please select it at the bottom of this page for your industry specific rates
| Other Merchant Processing Companies | Pivotal Payments Merchant Processing Account | Total Merchant Services | ||
| Debit Rate | 1.70% | 1.30% | 1.35% | |
| Credit Card Rate | 2.22% | 1.81% | 1.75% | |
| Mid Qualified Rate | 1.25%+ | 1.00% | .35% | |
| Non Qualified Rate | 3.00% | 1.00% | 1.10% | |
| Per Item | $0.20 | $0.00 | $0.15 | |
| Authorization Fee | $0.15 | $0.20 | $0.08 | |
| Monthly Fee | $0.00-$15.00 | $5.50 | $10.00 | |
| Setup Fee | $0.00-$250.00 |
$0.00 |
$0.00 | |
| Cost For Equipment | Varies on the company but usually $400-$800.00 | Free Credit Card processing Equipment | Free Credit Card Processing Equipment |
To apply for a merchant account and to start accepting credit cards please click on the blue button.
Other Industry Rates
Internet
For internet merchants we offer services through Authorize.net. For all rates and fees associated with this account please click on the learn more link.
For internet merchants we offer services through Authorize.net. For all rates and fees associated with this account please click on the learn more link.
Fuel
We have the lowest rates in the industry for Fuel merchants. Even if you are currently branded we can still help.
Restaurant.
Restaurant business is one of our specialties. We understand the restaurant industry and can help you to not only save money but service your customers is a quicker ore efficient manner.
Restaurant business is one of our specialties. We understand the restaurant industry and can help you to not only save money but service your customers is a quicker ore efficient manner.
Moto(mail order telephone order)
For Mail Order or Telephone order merchant we offer great packages which include free software, terminals, and support.
Do You
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Your Choice of Free Terminals With a New Account Setup
Guaranteed Lowest Rates or We Will Pay You $500.00
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Your Choice of Free Terminals With a New Account Setup
That's
Right!
Open a
new
account
with us
and we
will
provide
you this
VeriFone
Terminal
for free
for as
long as
you are
a
customer
Guaranteed Lowest Rates or We Will Pay You $500.00
In
addition
to
giving
all of
our
customers
their
choice
of free
equipment
we also
guarantee
that our
rates
will be
the
lowest
both
today
and for
as long
as you
are a
customer.
