APPLY NOW FOR A RISK FREE TRIAL
	1.Select one of our rate reduction packages 2.Choose from our credit card equipment packages (or maintain your existing system) 3.Complete our online merchant application 4.Account approval and deployment (merchant training and conversion assistance)

Total Merchant Services offers the best package for accepting credit cards online, over the phone or for mail orders! In addition to years of experience enabling online businesses, our rates are the lowest and we guarantee you won't find a better deal anywhere.

Terminal Payment Processing

Credit card terminals are a stand-alone piece of electronic equipment that service a merchant to swipe or key-enter a credit card's data to process a credit card transaction. Credit card terminals can also be used for processing related transactions including gift cards and check verification. A credit card terminal will usually need to be connected to a telephone line allthough wireless terminals are becoming more popular. When a credit card is processed, either swiped or keyed in manually, the terminal then contacts the network to verify if the credit card can be authorized. Transactions are then stored in the machine until the polling window is opened. The terminal will either upload the electronic funds directly to the merchants bank account, or a service provider will dial in to collect and process the data to the merchants bank account. Terminals can also process debit cards as well as credit cards.

Online Payment Processing

Our online payment processing service is as easy to use as any web-based payment processing application providing a complete payment gateway for recurring billing, online bill-pay, electronic check (e-check), credit card processing, and check processing via an online application or phone. Let us install an Authorize.net account for the safest and most feature packed online software available. Matched with our lowest rate guarentee you can't do better with your processing needs!

Credit Card Authorization Software

TMS uses the most popular and widely used Authorization software available, AuthorizeNet. This software installs into your online storefront allowing for safe and secure transmission of personal data, approval of funds, and transfer of funds to your bank account. All in one easy to use piece of online software that you can manage from anywhere!

Merchant Account Rates

There are many determing factors in the rates of accepting credit and debit cards. Some of those factors include
1) Percentage of your retail or service transactions that are made over the phone or the Internet
2) Average dollar amount of each sales transaction
3) Total dollar amount of sales you perform per month
4) Your credit rating
5) Type of business you are in
6) Length of time you have been in business

An average of available rates ranges from 2.25 to 3 percent per transaction for most business types that accept credit cards.

Except Credit Cards Today
Receive a Free Terminal
with approved application!!!

Reduce rates, Upgrade your equipment, Improve your processing service
1)No Cost Account Conversion (we pay for you to switch service)
2)Reduce Credit Card Fees
3)Free Rate Quote
4)Free Equipment Upgrades
5)Quickbooks Processing plugin
6)Payroll Processing
7)Superior Customer Service
8)IP Processing
9)Free Merchant Supplies
10)Gift/Loyalty Card Processing