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Merchant Focus provides Merchant Accounts for successful businesses processing over $250,000 annually in Visa and MasterCard sales.

No other Processor offers Interchange-Plus pricing and NO MONTHLY FEES!

Rates we quote for eCommerce, Mail Order, Auction merchants processing between $20,000 - $50,000 per month:

  • NO Application Fee
  • NO Annual Fee
  • NO Address Verification (AVS) Fee
  • NO Monthly Statement Fee
  • NO Monthly Service Fee
  • NO Termination Penalty
  • NO Batch Header Fee
Visa US Consumer Credit (Card Not Present): 1.95% + $0.25 cents
MC US Consumer Credit (Card Not Present): 2.04% + $0.25 cents
Visa US Consumer Debit (Card Not Present): 0.35% + $0.36 cents
MC US Consumer Debit (Card Not Present): 0.35% + $0.36 cents
Visa US BUSINESS COMMERCIAL (Card Not Present): 2.55% + $0.25 cents
MC US BUSINESS CORPORATE (Card Not Present): 2.95% + $0.25 cents
All Other US Interchange Levels: (Interchange-Plus 30 basis points)
VISA International (Card Not Present): 2.20% + $0.25
MasterCard World (Card Not Present): 2.20% + $0.25
All Other Foreign Interchange Levels:
(Interchange-Plus 60 basis points)
American Express transaction Fee: $0.20 cents
  • NO Authorize.Net Monthly Gateway Access Fee
    • Authorize.Net Transaction Fee: First 250 trans free each month, then $0.05 cents each
  • FREE Authorize.Net Fraud Detection Suite (FDS)
  • $15.00 Chargeback Fee
  • Gross Daily Settlement*
  • Toll Free 24/7 Tech Support and daily Customer Service Support

If you are just starting out or are not yet processing $250,000 per year, please check out our merchant accounts for new companies for great rates!

If you currently process more than $50,000 per month in Visa/MasterCard sales or have special processing needs such as accepting large ticket Purchasing Cards from the Government, please complete our Statement Analysis Form and we will contact you promptly.

Payment Gateway/Terminal Options:
GET STARTED NOW!

We recommend that we build you a new Authorize.Net Gateway for your new merchant account. Please note there will be no monthly fees for this Authorize.Net Account and your first 250 Transactions each month will be FREE!

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*In addition to guaranteed savings, Merchant Focus offers GROSS DAILY
SETTLEMENT of Visa/MasterCard sales. This means 100% of your V/MC sales are
deposited directly into your checking account each business day, making reconciliation
of your checking account much easier. Only at the end of each month are your
processing fees debited.

NOTE: Most processors offer NET DAILY SETTLEMENT where processing fees are
debited before deposit, making reconciliation of your checking account much more
difficult.