MERCHANT ACCOUNTS
Retail Point of Sale/Wireless/ MOTO Mail Order & Phone Order
Through M & T Merchant Services, you can obtain a merchant account to Accept Credit Cards, Debit Cards, Gift Cards and Loyalty Cards for any type of business. M & T’s accounts can be programmed for use with any credit card machine or credit card terminal manufactured by Lipman Nurit, Verifone, Hypercom, RDM, Magtek , and many others. M & T can provide the credit card processing software / credit card machine / POS, Point of Sale System or we can download the merchant account and reprogram many existing terminals, which the merchant already owns or leases. All merchant accounts come standard with the ability for the merchant to Accept Visa, Master Card, American Express, Discover, Debit Cards and Check Cards. Gift Cards, Loyalty Cards, Pre Paid Debit Cards, Check Guarantee & Check Truncation are additional merchant services which can integrate seamlessly with a merchant account for credit card processing from M & T Merchant Services.
*All fees subject to change based on acquirers
RETAIL/SWIPED (Card Present Transactions for VISA/ MasterCard)
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RETAIL/SWIPED (Card Present Transactions for American Express)
| Qualified Discount Rate | 2.95%-3.25% (Based On Avg. Ticket Size & Business Type) |
| Check Guarantee & Truncation / Retail | |
| Check Guarantee % Per Check | As Low as 1% |
| Transaction Fee | $0.25 Per Transaction |
| Monthly Statement Fee | $10.00 |
| Monthly Minimum | $20.00 |
| Checks by Phone 1 (Mobile/ Merchant Calls Toll Free # For Authorization) | |
| Check Guarantee % Per Check | As Low as 1% |
| Transaction Fee | 20 Cents Per Transaction |
| Monthly Statement Fee | $5.00 |
| Checks by Phone 2 (Computer Software, Key In Check Data And Prints Checks On Printer) | |
| Check Print Only (No Guarantee) | 99 Cents Per Transaction |
| Check Print (With Guarantee) | 3-8% (Based On Average Ticket & Business Type) |
| Transaction Fee | 14 Cents |
| Monthly Statement Fee | $10.00 |
E-Commerce / Internet Payment Processing:
Merchants with On Line Stores can obtain merchant accounts for E-Commerce and Internet Payment Processing enabling them to accept Credit Cards & Debit Cards through an Internet Payment Gateway or Internet Virtual Terminal. These credit card merchant accounts are compatible with any E-Commerce Gateway including Right Connect, Approve Net, Authorize Net, Verisign, Yahoo Store, NMI, Merchant Partners or any other secure payment gateway available in the merchant services industry. As with the Credit Card Processing Software / Credit Card Machine / POS, Point of Sale System, M & T can provide the internet payment gateway or we can download the merchant account and reprogram many existing set-ups. All merchant accounts come standard with the ability for the merchant to accept Visa, Master Card, American Express, Discover, Debit Cards, and accept Check Cards. Gift Cards, Loyalty Cards, Pre Paid Debit Cards, Check Guarantee & Check Truncation are additional merchant services which can integrate seamlessly with a merchant account for credit card processing from M & T Merchant Services.
MOTO: Mail Order/ Telephone Order/ Internet (Card Not Present VISA/MC)
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MOTO: Mail Order/ Telephone Order/ Internet (Card Not Present VISA/MC)
| FLAT FEE PROGRAM: | (Home Business Merchants Only) |
| Qualified Discount Rate | NO % ONLY MONTHLY FEE (Up to 1st $5000 in sales then rate is applied) |
| Monthly Statement Fee | $5.00 |
| STANDARD MOTO PROGRAM: | |
| Qualified Discount Rate | 2.95%-3.25% (Based On Average Ticket Size & Business Type) |
| Checks By Internet (Includes Checks By Phone 2 & Secure Link To Website For Pay By Check) | |
| Check Print Only (No Guarantee) | 99 Cents Per Transaction |
| Check Print (With Guarantee) | 3-8% (Based On Average Ticket & Business Type) |
| Transaction Fee | 14 Cents |
| Monthly Statement Fee | $10.00 |
| Accounts Receivable Conversion | |
| Check Guarantee % Per Check | 2. |
| Transaction Fee | 30 Cents Per Transaction |
| Monthly Statement Fee | $5.00 |
| Payroll Check Cashing | |
| Check Guarantee % Per Check | 1.8% |
| Transaction Fee | 30 Cents Per Transaction |
| Monthly Statement Fee | $10.00 |
*All fees subject to change based on acquirers