EXS Timeshare Credit Card Processing

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merchant processing

Frequently Asked Merchant Questions

What do I need to fill out the application for a merchant account?
• Business must be located inside the United States
• Federal Tax ID# (for corporations only)
• Void Check (checking account name must match business name) or bank letter w/ routing and account number
• Must be 18 years old to apply for a merchant account

Can I be approved for a merchant account if I have bad credit or no credit?
Yes. We have one of the highest approval rates in the industry regardless if you have bad credit or no credit. With a new merchant account you pay absolutely no setup charges or application fees, you have nothing to lose by applying today.

How long does the setup process take?
Once we receive your completed merchant account setup form with a void check, we’ll have you up and running in about 1-2 business days.

Can I be approved for a merchant account if I am just opening my business?
Yes. We specialize in setting up start up businesses with merchant accounts to accept credit cards.

How long does it take for my credit card processing transactions to get funded?
Your credit card processing transactions are funded usually within two business days.

What if I need help with my merchant account?
Technical support is available 24/7-365. Call us anytime and have your merchant id number handy.

Do I need to change my current bank?
No, you do not need to change your current bank. EXS Timeshare Credit Card has the ability to deposit funds from credit card transactions into any U.S. business checking account.

Why are there different rates for different accounts?
The rates for merchant accounts vary based on the amount of risk involved in the transaction. The accounts with the lowest rates will always be the ones where the customer is present and the card is swiped and a receipt signed in a face to face transaction. The credit card companies view these types of transactions to be fairly low in risk for fraud, whereas internet transactions and transactions where orders are taken by phone or mail are generally considered higher risk since the customer is not present and the card is not in hand.

Please explain the monthly minimum?
The monthly minimum for your merchant account is derived from your processing fees. The minimum of $25 should be collected in MC & Visa fees. The actual amount of processing to achieve that minimum will depend upon your discount rate. For example, if you have a discount rate of 2% and you process a transaction for $100, then $2.00 in processing fees will be taken from that transaction and applied towards your monthly minimum of $25. If, at the end of the month, you have not processed enough transactions to cover the minimum fee, you will be charged the difference.