1st National Processing Merchant Accounts

Welcome to 1st National Processing Merchant Services, the leading provider of merchant accounts and credit card processing equipment.  Through 1st National, merchants receive the bottom line, most competitive merchant account rates in the industry.  Our merchant account programs and credit card processing solutions are state of the art and designed to handle the needs of any business.  We offer merchant accounts and other merchant account services to business types including retail, wholesale, internet, mail order, phone order, wireless, mobile, portable, trade show and all others.  Our merchant account programs satisfy the needs of single location, family owned operations and retail chains all over the nation.  1st National offers special merchant account and credit card processing programs for restaurants, hair salons, nail salons, associations, non-profit organizations, and retail chains. Below you will find a breakdown of the different merchant account programs available to satisfy the needs of most businesses.  Please note that the merchant account information here is very general. 1st National Processing Merchant Services guarantees to meet or beat any merchant account deal in the industry.  If you think you are already getting a better deal on your existing merchant account or on a competitor’s quote, please contact us and we would be happy to compare it to our merchant account program. Additionally, if you do not see your business type or have any questions whatsoever please contact a merchant service advisor immediately using one of the options directly below.   

Please call us Toll Free 877-964-1622 to discuss with a qualified merchant service advisor your needs and to allow us to custom tailor for you the perfect merchant account solution.  You may also inquire about merchant accounts via e-mail to sales@1nbcard.com or fill out our No Obligation Merchant Account Pre-Application which will direct a qualified merchant service advisor to respond to you promptly.   Thank you for your inquiry!  We look forward to building a long term, mutually beneficial relationship.

Merchant Account Programs

Click on the appropriate link below to view merchant account information particular to your business type. If you do not see a merchant account scenario that fits your business model, please contact one of our qualified merchant service advisors. We offer the bottom line, most competitive merchant account rates available in the industry; GUARANTEED!  Merchant Accounts is our business. 1st National Merchant Services will not be undersold!! Apply Today!!!

Buyer Beware:  The merchant account industry is unregulated and has become flooded by many merchant service providers using crooked and intentionally misleading marketing and sales tactics to trick merchants into signing with their companies.  Don’t be a victim!  Click here  to learn all of these dirty, nasty tricks that are blackening the eye of our industry,

Merchants looking for the hands down, bottom line, best merchant service deal in the industry need look no further.   If you want a real deal with no tricks, no hidden fees and full disclosure, then 1st National Processing Merchant Services is the place for you. Our merchant service deals are “What You See Is What You Get”.  Exactly what you are quoted, is exactly what appears on your application and exaclty what you see on your statement a month down the line. There are no surprises. Click here to learn more about 1st National, our Class A Settlement Banks and Processors and find out why we are the best company to handle all of your merchant account needs. To apply now, please call us Toll Free 877-964-1622 or  fill out our No Obligation Merchant Account Pre-Application.

Retail Merchant Accounts

Any merchant who is selling products to consumers and physically swiping credit cards at the point of sale is considered a retail merchant.  Retail merchants process less risky transactions and qualify for the preferred rates of a retail merchant account. Retail merchants will have the ability to accept credit cards, debit cards, and check cards.  Point-Of-Sale merchants can also add other point of sale merchant services such as check guarantee, gift cards, value cards, loyalty cards, and prepaid debit & check card services all in one unit.  Processing credit cards in a retail environment can be performed using a Credit Card Terminal, PC Processing Software, or a Fully Integrated POS System. These products can authorize credit cards via an analog telephone line, a digital phone line, or a high speed Ethernet, cable, Wi-Fi, and wireless connection.  Please check out our equipment & software page for more information on these merchant account processing products.

Retail merchant account rates start at 1.45% and enable merchants to accept Visa, Master Card, American Express and Discover Credit Cards as well as all debit cards and check cards. Pin Based debit card processing may also be added to retail merchant accounts. American Express retail merchant account rates range from 2.55%-3.5% depending on the business type. This merchant account program carries little or no start up costs, a flat monthly fee of  $7.95 per month, no monthly minimum and no annual fee.  For qualified merchants 1st National also offers retail merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Retail Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply Online.

Wireless, Mobile, Portable, Trade Show Merchant Accounts

Merchants on the go can utilize 1st National’s Wireless and Portable merchant account services to “Accept Credit Cards Anywhere”.  Mobile merchants have multiple options from which to choose. 

Our Automated Telephone Response System and the Moto/T380 merchant accounts are completely free to set up and carry the low cost, flat monthly fee of $7.95 per month, no monthly minimum and no annual fee. Both these systems come complete with a manual imprinter for the scanning of credit card info and a MOTO/ manually keyed merchant account for authorizing all 4 major credit cards as well as all debit and check cards with the Visa and Master Card logo.

Another great option for mobile merchants, especially contractors & delivery services, is our Portable Dial Up Store and Forward Terminal. The Portable credit card terminal uses a retail merchant account, has a rechargeable battery and a built in thermal receipt printer.  The merchant swipes the cardholder’s credit card, debit card, or check card through the terminal and the unit can function in one of two ways. If a landline is available, the terminal can authorize the credit card right there on the spot via a toll free phone number.  If a phone line is unavailable, the credit card terminal stores the data inside the unit and prints out two copies of a transaction receipt, one for the merchant and one copy for the cardholder.  At the end of the day, the credit card terminal is plugged into a phone jack and the transactions are uploaded and authorized and a receipt is printed for each detailing the transaction info and the authorization code. The beauty of this credit card terminal is that it provides portable payment processing, with preferred retail merchant account rates, at one fifth of the cost of a wireless credit card machine and without the $15 per month wireless monthly access fee.  1st National is not in any way advising merchants on how to run their business. Plugging the unit into a phone line when available is the preferred method with this credit card terminal.  The Store and Forward method does have an obvious risk here because the merchant account does not give authorizations until after the fact.  Some business types allow for this merchant account scenario to work, and doing drivers license verifications and voice authorizations on high tickets mitigate the risk.  If and when this merchant account scenario is feasible for the merchant it does offer a significant savings.

The most advanced merchant account solutions for mobile merchants are our all in one wireless credit card terminals.  These terminals have built in wireless modems available on either the Verizon CDMA Network or the Cingular GPRS Network. Although more expensive than the wireless merchant account solutions listed above, these units provide piece of mind with on the spot credit card authorizations and also have the store and forward feature in case bad wireless zones.  Another very popular merchant account solution for on the spot authorizations is our credit card processing software for laptops. For about the same price as one of our all in one credit card terminals, merchants can purchase a laptop wireless data service plan from one of the many providers, and the credit card processing software, mag stripe card reader, and a printer from 1st National to enable the Laptop to process and authorize credit cards, debit cards and check cards wirelessly.  Both of these options allow the merchant to physically swipe credit cards at the point of sale and to benefit from a retail merchant account. Just like the landline, retail merchants, wireless retail merchants process less risky transactions and qualify for the preferred rates of a retail merchant account. Wireless Point-Of-Sale merchants can also add other point of sale merchant services such as check guarantee, gift cards, value cards, loyalty cards, and prepaid debit & check card services all in one unit.

Wireless & Portable merchant account rates start at 1.45% and enable merchants to accept Visa, Master Card, American Express and Discover Credit Cards as well as all debit cards and check cards. Pin Based debit card processing may also be added to retail merchant accounts. American Express wireless retail merchant account rates range from 2.55%-3.5% depending on the business type. Portable merchant account solutions carry little or no start up costs and the fully integrated wireless solutions have special financing programs available.  Both merchant accounts carry a flat monthly fee of $7.95 per month, no monthly minimum and no annual fee.  For the wireless solution there is an additional $15 per month wireless access fee.  For qualified merchants 1st National also offers portable & wireless merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Wireless Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply Online.

Mail Order/ Phone Order Merchant Accounts

Any merchant who is not able to physically swipe credit cards through a credit card processing machine thereby capturing the magnetic data can still perform credit card processing with a MOTO / Mail Order / Telephone Order merchant account. Using a MOTO merchant account, merchants will manually key into a terminal the credit card number, expiration date, CVV2 code, invoice #, billing address, billing zip, and the amount of the sale. Although all of this information does help to deter fraud, MOTO merchant account transactions are still more risky than retail swiped transactions and hence carry slightly higher discount rates and fees. Many different merchant types use MOTO merchant accounts such as home businesses, delivery, trade show, livery, catalog sales, phone sales, internet merchants and many others.  Some merchants use manual imprinters at the point of sale and key in the information into a credit card terminal after the fact. Other merchants simply take the credit card info via phone, mail, e-mail, or secure web form and key it in the same way without getting a card imprint.

MOTO merchant accounts can be loaded into almost any credit card terminal, POS System, credit card processing software or internet gateway available in the merchant service industry.  Usually they do not require a credit card terminal with all of the features of a retail merchant account and therefore the initial set-up fee or equipment cost is free. And as with most of our merchant services, MOTO merchant accounts carry a flat monthly fee of $7.95 per month, no monthly minimum and no annual fee and are able to process all 4 major credit cards as well as all debit and check cards with the Visa and Master Card logo.    

Please contact us today to apply for a MOTO Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply Online.

Internet Merchant Accounts

Internet merchant accounts are very similar to MOTO merchant accounts in that the merchant is not able to physically swipe credit cards through a credit card processing machine thereby capturing the magnetic data. There are two ways in which Internet merchants, selling their products via a website can process credit cards. One is with a standard MOTO merchant account and a credit card machine, and the other is via an e-commerce gateway merchant account and real time credit card processing. 

Using the 1st method, merchants would have the credit card, debit card, or check card information transmitted to them via e-mail through a secure form or verbally via the telephone.  The merchant would then manually key the credit card number, expiration date, CVV2 code, invoice #, billing address, billing zip, and the amount of the sale into the credit card terminal for an authorization.  This is the method that 1st National recommends to merchants who have new websites that are not yet generating a lot of traffic or sales.  In most cases it has a free set-up and carries a flat monthly fee of $7.95 per month, no monthly minimum and no annual fee and the ability to process all 4 major credit cards as well as all debit and check cards with the Visa and Master Card logo.

The second method for processing cards using an Internet Merchant Account is through use of an internet payment gateway.  The internet gateway, also called an internet virtual terminal, links to the shopping cart of a website and automatically processes credit card, debit card, or check card information inputted by the cardholder through a secure form.  Upon authorization or decline the cardholder is automatically e-mailed a copy of the transaction receipt as is the merchant. The merchant can log onto the virtual terminal anywhere in the world where they have internet access.  Through the virtual terminal, the merchant can view all activity on the merchant acccount, process manual transactions for mail orders and phone orders, and customize fraud filters. Using an internet payment gateway to process merchant account transactions is very professional and extremely efficient.  It is, however, more expensive due to the additional costs associated with the gateway provider.       

1st National Processing has several internet payment gateways from which a merchant can choose. They usually have a Free Set-Up and low fees of $15 per month and 15 cents per transaction. Please check out our Internet Payment Processing page for more information on our e-commerce solutions.  Our internet merchant accounts are compatible with most internet payment gateways in the industry including, but not limited to, Authorize Net, Verisign, and Yahoo Store.  So if you already have a gateway and are searching for a compatible merchant account, apply today and you will have a live merchant account in less than 24 hours.

For merchant’s who already have a website with a shopping cart, 1st National’s internet payment gateways and merchant accounts are free to set up.   Standard MOTO merchant account rates apply and the merchant will have the ability to process all 4 major credit cards as well as all debit and check cards with the Visa and Master Card logo.  There is a flat monthly fee of  $7.95 per month, no monthly minimum and no annual fee with the internet merchant account. The internet gateway fees are in addition to the merchant account fees and start at $15 per month and 15 cents per transaction.

Please contact us today to apply for an Internet Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply Online.

Restaurant Merchant Accounts

Restaurant Merchant Accounts typically combine the activity of both retail merchant accounts and Moto merchant accounts in that the credit card processing activity is distributed evenly between the point-of-sale activities conducted face to face within the restaurant and the manually keyed transactions resulting from delivery and take out. Just like retail merchant accounts, restaurant merchants will have the ability to accept credit cards, debit cards, and check cards and can also add other point of sale merchant services such as check guarantee, gift cards, value cards, and loyalty cards. To process these transactions, merchants can choose from a standard credit card terminal and printer combination or a fully integrated, multiple station POS, Point-of-Sale System complete with touch screen, back office reporting and inventory control. These products can authorize credit cards via an analog telephone line, a digital phone line, or a high speed Ethernet, cable, Wi-Fi, and wireless connection for high traffic locations. 1st Nationals restaurant applications are specifically designed to effectively support the high demands of multi server, high volume locations. To top that off, these specialized restaurant merchant accounts offer a significant savings in comparison to the standard applications which penalize merchants severely for manually keyed credit card transactions resulting from delivery and/or take out orders.  Any of the credit card terminals offered by 1st National can support restaurant merchant account applications with or without tip and server programs.  1st National offers customized, technologically advanced Restaurant POS Systems manufactured by Micros, Posi-touch, Sable and Aloha and can also issue merchant accounts to work with any other Point Of Sale system in the industry.

Restaurant Merchant Accounts fall into a very special category because they are typically low risk and process a large quantity of small ticket credit card, debit card and check card transactions.  Due to this fact, restaurant owners qualify for a preferred merchant account rate program with an extremely low transaction fee of 15 cents per transaction.  For restaurant locations with extremely low ticket sizes, like bakeries and coffee houses, 1st National also offers the option of merchant account programs with “No Transaction Fee”.  American Express restaurant merchant account rates range from 2.55%-3.5% depending on the size of the transaction and the annual volume of credit card processing.  For restaurant merchants using a credit card terminal there is little or “No Start Up Costs” and the account can be live and active in less than 24 hours. The fully integrated POS Systems are custom designed to fit the needs of the merchant and have special financing programs available. Restaurant merchant accounts typically carry a flat monthly fee of  $7.95 per month, no monthly minimum and no annual fee.  For qualified merchants 1st National also offers restaurants merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Wireless Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply On Line.

Nail Salon Merchant Accounts

1st National’s merchant account for nail salons is custom designed for convenience, efficiency and overall savings. Nail Salons process high volumes of low ticket transactions and have a very low profit margin. To remain profitable on all credit card, debit card and check card sales, salon merchants need a merchant account with a very low rate and an extremely low transaction fee or no transaction fee at all. 1st National specializes in Nail Salon Merchant Accounts and offers both programs depending on the needs of the particular merchant.  Nail salon merchants will have the ability to accept credit cards, debit cards, and check cards and can also add other point of sale merchant services such as check guarantee, gift cards, value cards, and loyalty cards. To process these transactions, merchants can choose from any standard credit card terminal and printer combination.  These products can authorize credit cards via an analog telephone line, a digital phone line, or a high speed Ethernet, cable, Wi-Fi, and wireless connection for high traffic locations.  Any of the credit card terminals offered by 1st National can support nail salon merchant account applications with or without tip and server programs.  Most of them can do multi merchant programs so independent contractors can have their own merchant accounts. This proves to be a very useful and time saving feature for salon merchants who don’t want to co-mingle funds and take the time to divide and distribute them each and every month.

Nail Salon Merchant Accounts also fall into a very special category because they are very low risk and process a large quantity of small ticket credit card, debit card and check card transactions.  1st National offers 2 nail salon merchant account programs both with very low rates.  One has an extremely low transaction fee of 15 cents per transaction and another with “No Transaction Fee”.  American Express nail salon merchant account rates range from 2.55%-3.5% depending on the size of the transaction and the annual volume of credit card processing. The most important feature of our nail salon merchant account is the fact that our tip program application is fully compliant and will not downgrade when communicating to Visa & Master Card.  This is a very important feature because the tip applications of most merchant service providers are not specifically designed for nail salons.  This non compliant application causes about 75% of the transactions to not qualify with Visa and Master Card which results in the merchant paying much higher fees.  This is not the case with 1st Nationals nail salon merchant account applications.  For nail salon merchants using a credit card terminal there is little or “No Start-Up Costs” and the account can be live and active in less than 24 hours. Nail salon merchant accounts typically carry a flat monthly fee of  $6.00 per month, no monthly minimum and no annual fee.  For qualified merchants 1st National also offers restaurants merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Nail Salon Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply On Line.

Hair Salon Merchant Accounts

Hair Salon Merchant Accounts are much like nail salons in that they typically process a high volume of lower ticket transactions and quite often have multiple contractors working out of the same location.  The difference is that hair salon merchants run much higher transactions when doing jobs such as coloring, extensions, makeovers, wedding parties and the like.  These larger transactions present a much higher risk to banks and processors due to the size and the potential risk of a cardholder chargeback.  Therefore it is imperative that merchant accounts for hair salons are set up to accommodate this increased risk and irregular activity.  1st National has the perfect solution.  Our merchant account for hair salons is custom designed for convenience, efficiency, savings and with security to ensure that funds will not be delayed on the larger than average, high risk transactions.

To keep salons profitable, 1st National offers a merchant account with a very low rate and an extremely low transaction fee combined with a split rate program so merchants can take advantage of the lower risk and reduced cost of debit & check card transactions, no matter what the size. Hair salon merchants will have the ability to accept credit cards, debit cards, and check cards and can also add other point of sale merchant services such as check guarantee, gift cards, value cards, and loyalty cards. Most standard credit card terminal and printer combination are capable of supporting our hair salon merchant account applications. 1st National has credit card terminals available that can authorize credit cards via an analog telephone line, a digital phone line, or a high speed Ethernet, cable, Wi-Fi, and wireless connection for high traffic locations.  Any of the credit card terminals offered by 1st National can support hair salon merchant account applications with or without tip and server programs and most of them can support at least ten merchant accounts in a single unit enabling independent contractors to have their own merchant account.  Multi merchant applications prove to be a very useful and time saving feature for salon merchants who don’t want to co-mingle funds and take the time to divide and distribute them each and every month.

Hair salon merchant account rates start at 1.45% and enable merchants to accept Visa, Master Card, American Express and Discover Credit Cards as well as all debit cards and check cards. Pin Based debit card processing may also be added to hair salon merchant accounts. American Express hair salon merchant account rates range from 2.55%-3.5% depending on the annual volume and average transaction size.   Another very important feature of our hair salon merchant account is the fact that our tip program application is fully compliant and will not downgrade when communicating to Visa & Master Card.  This is a very important feature because the tip applications of most merchant service providers are not specifically designed for hair salons.  This non compliant application causes about 75% of the transactions to not qualify with Visa and Master Card which results in the merchant paying much higher fees.  This is not the case with 1st Nationals hair salon merchant account applications.  A merchant using our tip program will always qualify at the proper level for card type and they will not pay higher fees.  For hair salon merchants using a credit card terminal there is little or “No Start-Up Costs” and the account can be live and active in less than 24 hours. Hair salon merchant accounts typically carry a flat monthly fee of $6.00 per month, no monthly minimum and no annual fee.  For qualified merchants 1st National also offers hair salon merchant accounts with a free terminal program, bundled rates for low ticket merchants, and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Hair Salon Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply On Line.

Wholesale Merchant Accounts

Wholesale Merchant Accounts are categorized by merchants who sell business to business products and services in larger than average quantities.  The cards that are processed through wholesale merchant accounts are primarily corporate cards, business cards, and government cards.  These type of cards represent an increased cost to the card processors due to the fact that businesses and governments most often do not carry balances on credit cards and as a result the card companies do not earn the interest they normally would. To make up for this lost revenue, the card companies charge higher fees to the processor and the merchant.  In addition to the higher priced cards, wholesale merchant accounts have very large transaction sizes and that in itself represents a much higher risk to the credit card processors and banks.  Due to these facts most banks and processors will not board these merchant accounts or charge exorbitant fees to do so.  To top that off many merchant service providers will sign wholesale merchant accounts without actually informing the bank of the high ticket business to business card activity and without notifying the merchant of the increased fees they will incur.  This practice causes major problems such as delayed and denied funds resulting in ach rejects and bounced checks because the merchant wrote checks against funds which never hit his account.  Not to mention the shock to the merchant when he finds out he paid as high as 5% instead of the 1.5% he was incorrectly quoted. 

1st National specializes in Wholesale Merchant Accounts.  Our Class A banks and processors have extremely efficient, effective and very qualified underwriting and risk management departments.  They work together to ensure the wholesale merchant account is set up correctly with regards to monthly volumes, transaction sizes and card types.  This protects the merchant from having any issues with delayed funds due to irregular unexpected activity.  Furthermore, the fact that 1st National is proficient in handling wholesale merchant accounts reduces our risk significantly.  This reduced risk allows us to board any account, not matter what the size, at the most competitive rates in the industry. 

Wholesale merchant accounts can be set up as either swipe, non swipe or both depending on the needs of the merchant.  Wholesale merchant account rates start at 1.45% and enable merchants to accept Visa, Master Card, American Express and Discover Credit Cards as well as all debit cards and check cards and can also add other point of sale merchant services such as check guarantee, gift cards, value cards, and loyalty cards.   American Express wholesale merchant account rates range from 2.55%-3.5% depending on the annual volume and average transaction size.  For wholesale merchants using a credit card terminal, virtual terminal or internet gateway there is little or “No Start-Up Costs” and the account can be live and active in less than 24 hours. Wholesale merchant accounts typically carry a flat monthly fee of $6.00 per month, no monthly minimum and no annual fee.  For qualified merchants 1st National also offers hair salon merchant accounts with a free terminal program and interchange pass through for high volume locations, franchises and associations. 

Please contact us today to apply for a Wholesale Merchant Account with 1st National Processing Merchant Services. Toll Free 877-964-1622 or Apply On Line.