Merchant resources
Look beyond the processing rate
Understand the account terms that affect total cost and access to your funds.
No obligation. No guaranteed approval.
Transaction pricing is one part of cost
Compare the quoted rate with per-transaction charges, gateway costs, monthly minimums, and recurring fees. Ask for an example based on your actual volume and transaction mix.
A reserve affects access to funds
Ask whether money will be held, how that amount is calculated, and when it can be released. Understand what could change the reserve and how account closure affects remaining funds.
Settlement timing matters
Confirm when transactions settle and when funds become available. Ask whether timing varies by payment method, operating history, or reviews.
A contract can outlast the first impression
Read the term, renewal, cancellation, termination fees, and separate equipment or software agreements. Identify who provides support and how a problem is escalated.
Put the offer beside your business needs
Assess the total arrangement against order value, margin, delivery commitments, and cash-flow needs. Ask the provider to clarify anything that is not expressed in the written offer.
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