If you want to accept credit cards, whether you are doing business online or have a physical store, you will need a merchant account. A merchant account enables merchants to accept and process credit card transactions. In other words, it handles transferring the funds from the shopper's credit card tothe merchant's bank account.

You've decided to accept credit cards for your business, did a little research, and are now perhaps a little confused by all the "we are the best, we are the cheapest" claims.

At Signature we want to make this choice simple for you. Compare us to the others and you'll discover that we're driven to providing you with exceptional service at a fair price. Our knowledge of helping businesses such as MO/TO, Retail, Internet, Home-based, and Start-ups obtain merchant accounts is unparalleled, which means a stress-free experience for you. We'll give you proven strategies and business specific expertise to help you become a profitable merchant.

What sets Signature apart from everyone else is our experience, dedicated customer service and online reporting. Imagine being able to view your accounts' activity online, everyday. Our reporting allows you to reconcile your account, look-up an individual's credit card history with you, reduce time spent on chargebacks, or see when funds will be deposited into your account. This is available to you 24 hours a day, 7 days a week at no cost. Our current merchants rave about our reporting and how it helps them streamline and control costs for their business.

Due to our years of experience in assisting new businesses, we offer sensible advice about what to expect when you decide to start accepting credit cards. No question that you need to accept credit cards to increase your business, but be aware of some processors out there who charge high application and discount fees, offer leasing with no cancellation terms, or sign you up for services that you just don't need. There are literally hundreds of Web sites out there selling you unnecessary services that you just don't need.

To help you grow from the start, we'll educate you on how to handle credits and chargebacks if you happen to find yourself with an unsatisfied customer. We'll set you up with access to our online reporting system that will help you save time and money for your business. In turn, Signature is here to help you understand how fast, easy and profitable it can be to accept credit cards.

We offer complimentary, obligation-free statement analysis. Based on the review of your current statement, if we can save you money, we will provide you with a quote. If your current merchant account fees are competitive, at least you will have your peace of mind knowing that you are not overpaying for your merchant services.

Beyond our years of experience, dedication to customer service, and low rates, we offer our merchants a new free terminal and complimentary online reporting.

That's a great idea. However, you'll probably discover that when it comes to smaller businesses, especially ones that are startups, home based or online, the vast majority of the banking establishment would prefer not to have these types of customers. They see too much risk involved. At Signature we are eager to help you and, more importantly, we are able to help you. We specialize in placing these types of smaller and non-traditional businesses with banks that will provide them with Merchant Accounts for credit card transaction processing.

Absolutely not. Using ACH, Signature can automatically deposit your funds into any existing business checking account at any U.S.-based bank. You just tell us where you want it.

Complete the entire Signature application package and submit it with all of the collateral material requested. That's it. We'll complete the underwriting process and let you know as soon as you have been approved.

Unlike other companies offering merchant accounts, we do not charge an application fee or set up fee. In fact, it will cost you ZERO to start processing credit cards with Signature Card Services. It even gets better as we offer a brand new credit card terminal to retail merchants absolutely free!

We offer a one-hour turnaround on most retail accounts. If you are an Internet/MOTO merchants, we'll let you know within 1-2 business days if you have been approved for a Merchant Account. As soon as you are approved, you can begin taking credit card payments.

It will be no problem at all. This is one of our specialties. We have been able to get all types of merchants with all sorts of credit problems, even bankruptcies, set up with Merchant Accounts — without ANY extra hassles, ridiculous stipulations and conditions, or fees.

We are able to place over 95% of the merchants who come to us seeking our services with an appropriate bank, and we will exhaust every option at our disposal to get your business placed with a Merchant Bank.

If you operate in a non-face-to-face environment, most likely you will need a software to work in conjunction with your merchant account. Signature Card Services will provide you with various choices of simple and affordable gateway options that are most suitable to your business.

NO! Let us re-emphasize that. NO! We offer a new terminal absolutely free!

Generally, in one business day. If you are an Internet/MOTO merchant, no longer than 3 days.

Discount rates are based on the type of business you are operating, the principal's credit rating, and length of business. The discount rate is the combined fee the merchant bank/processor/credit card company charge for handling credit card transactions. The rate can be as low as 1.2%, but can exceed 4% for risky businesses.

Great question! Monthly minimum is the minimum amount of fees that Signature Card Services will charge monthly if you don't process any credit card transactions.

A chargeback occurs when a consumer tells their credit card company that they did not authorize a purchase item appearing on their account statement. Chargebacks only affect your business when you don't provide a response to the chargeback inquiry.

In your acceptance packet, we provide you with a toll-free customer service number you can call any time you need assistance.