Merchant Focus is proud to offer access to the highest quality Credit Card Processing and Payment solutions.

We understand every merchant is different and can offer rate quotes based on your business type and credit card processing history. Ecommerce, Virtual Terminal/Phone Orders, Mobile Swipe or Retail Terminal all available processing types.

In addition to the tiered rates below we can also offer flat rate processing or Interchange Plus pricing should it be better suited to your needs.

  • NO Application Fees
  • NO Annual Fees
  • 2.19% VISA/MasterCard/Discover Qualified Discount Rate
  • 3.59% VISA/MasterCard/Discover Non-Qualified Discount Rate
  • American Express 3.19%/3.39%/3.79% based on volume of transaction
  • $0.25 per Transaction
  • $10.00 Monthly Service Fee
  • $10.00 Monthly PCI Compliance Fee
  • $10.00 Authorize.Net monthly Gateway fee
  • $30 Chargeback/ACH fee per occurrence
  • Additional Card Brand Pass-through Assessment fees apply

To expedite your application, please fill out as much information as possible and request a rate quote in the Notes section on page 2 of this application should you like one.

Your Contact Information


    IMPORTANT NOTE: To help the government fight the funding of terrorism and money laundering activities, Federal law and the Patriot Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account, even if the business they represent is a Corporation or Non-Profit.

    The Online Application Process:

    • AFTER completing this Online form, you will receive an email with the link to review and complete the Agreement Digital Signature portion. Once completed your application will be submitted into Underwriting.
    • Please submit A Copy of a Check (Cannot be a Starter/Temporary check) OR Bank Letter -typed letter from your bank that verifies the following:1) Must be typed on bank letterhead2) Must confirm the account number3) Must confirm the bank's routing number4) Must confirm the business or personal name on the account5) Must be signed by a bank rep with a phone #
    • APPROVAL: Upon approval your Authorize.Net Gateway will be set up and you will receive an activation link, or we will discuss your Terminal options and ship the terminal to you. Please note: Any Funds processed will not be released until all underwriting requirements have been received.


    By completing the Application and accepting the Online Digital Signature, you agree that: 1) You have reviewed all additional Fees and Terms, and 2) Upon approval the billing cycle for your Merchant Account will begin, and you will need to inform us if you would like to cancel.