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What is a merchant account?

A merchant account is a necessary component for you to accept credit and debit cards from your customers. There are many ways to accept transactions, and an Apogee consultant can help to recommend the optimal solution.

Why should I accept credit cards? I have heard the fees are very high.

Today’s customers prefer to use credit and debit cards. There was a time where a customer was reluctant to put a sale of under $10 on a credit card. However, today’s customer will not hesitate to put transactions of under $1 on a credit card. This trend will only increase as younger generations embrace technology.

This fact alone greatly outweighs the fees charged for processing transactions.

Accepting credit / debit cards can increase sales by attracting customers who will only pay via credit / debit cards.

If you do not accept credit / debit cards, you will lose customers to competitors that do accept credit cards.


What credit cards and services does Apogee offer?

Apogee provides the ability to Visa, MasterCard, Discover, Diners Club, and JCB credit cards. We will be able to apply for American Express, Wright Express (WEX), and Voyager cards on your behalf. If you wish to accept Electronic Benefit Transfer (EBT) cards, you will need to apply in your state. In addition, Apogee provides check truncation / guarantee services, Gift Card services, and Automated Clearing House (ACH) services.

What are Apogee’s rates?

Rates will vary greatly depending on your type of business, and what cards are being processed by your customers.

If you are currently processing, let Apogee provide a no cost / no obligation “apples to apples ” comparison. We have a great deal of experience reading competitors statements, and can spot hidden fees or inefficiencies that may not be obvious to someone outside of the industry.

If you are not processing credit / debit cards, let us provide a structure that works for you. We can review after a period of time and change accordingly based on your processing trends.

How do I receive my funds, and in what timeframes?

All processing funds are sent electronically to the bank account of your choice. This deposit will typically take place within 48 hours. American Express funds are deposited separately by American Express.

Will I need a new terminal?

Apogee may be able to reprogram your existing equipment. Let us learn more about your current equipment to see if this is the best option for you. To learn more about EMV (commonly known as “chip and PIN”), give us a call.