Merchant Account Fees: Affordable and Competitive

For Retail and Online Businesses

There are many factors that determine your merchant account fees. Despite this, every merchant is different, and an exact dollar amount cannot be determined until we can learn about your business.

Usually, within five minutes, we can pre-qualify you over the phone. This will also guarantee that we don’t waste any of your valuable time. However, most Off-shore banks do not assign rates due to risk until after acceptance.  Some factors that help determine your merchant account fees domestically include:

  • Industry type
  • Risk
  • Processing history
  • Expected monthly turnover

To get started today, just click the button below.

Apply Here TODAY!

How to Determine Merchant Account Fees

When searching for merchant services, figuring out the merchant account fees can become overwhelming.  Some payment processors try to sell you on a low discount rate and lead you on without even knowing your name.  At Bancard Financial, we take the time to get to know you and your business and become more personable, so we can deliver the best possible credit card processing solution and let you know exactly what you will have to pay and when.

For a more specific estimate of merchant account fees you may have to pay, contact one of our live merchant Account Executives today by calling 1-888-384-4888.  Outside of US:  1-213-373-4653  #TalkSoon

Merchant Account Fees FAQ

Click to expand each section and learn more about our merchant account fees.

With an e-commerce merchant account, you can expect to pay the following fees and costs:

  • Merchant Account Fee
  • Transaction Fee
  • Discount Rate
  • Merchant Account Registration Fee
  • Monthly Statement Fee
  • Chargeback Fee
  • Refund Fee

If you are uncertain of any merchant account fees listed in your bank’s terms and conditions, be sure to ask before signing and returning your contract.

Based on your processing history, you can receive payouts:

  • Daily, three days in arrears
  • Weekly, one week in arrears
  • Weekly, two weeks in arrears

Your acquiring bank will determine your payout schedule. You will receive payouts from your acquiring bank via wire transfer to the bank of your choice. Payouts are available in 18 major currencies.

The rolling reserve fund* is a small amount of money that the bank holds against your payment processing to cover contingencies, such as chargebacks and refunds. The reserve is a fixed percentage amount based on your weekly sales volume, usually between 5-10%. Your acquiring bank will place the money into a rolling reserve fund, and six months later, you’ll receive a payout of these funds. (See the chart below.) While most US banks do not require a rolling reserve fund, many offshore acquiring banks do.

Processing Week Sales Volume Amount Withheld Payout Week and Amount
January 2-8 $10,000 $1,000 July 2-8 for $1,000
January 9-15 $15,000 $1,500 July 9-15 for $1,500
January 16-22 $20,000 $2,000 July 16-22 for $2,000

*Please note that the rolling reserve fund only applies to high risk, international and third party merchant accounts.

Instabill offers a variety of merchant accounts to many businesses processing card-not-present transactions, including the following:

Contact us online or call us toll-free at 1-888-384-4888 to figure out what type of merchant account is best for your business.

With an Instabill merchant account, you can accept all major credit cards, including Visa, MasterCard, China UnionPay, UK Maestro, Discover, American Express, JCB International, and Diners Club.
Our payment gateway supports more than 160 major currencies, including US dollars, Euros, Great Britain pounds, Canadian dollars, Japanese yen, Australian dollar, Swiss franc, Swedish krona, and Indian rupee.

Call Us Today for Your Free Quote

At Bancard Financial, we take all of your important business factors into consideration when preparing your free merchant account quote.  A trained Account Executive will make sure you have all the information you need before signing any Agreement, including the costs you will have to pay. If you are ready to receive your free quote, simply click the button below. Speak directly with an Account Executive by calling 1-888-384-4888.