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Frequently Asked Questions


We would like to thank our friends at Free for allowing us to use their frequently asked questions. Apply Now for your Free Credit Card Processing.

Table of Contents

General Information

1. Can you explain what a merchant account is and why I need one?
2. Are there other options I can consider?
3. Do I really need to accept credit cards?
4. How do I get the money from a credit card sale?
5. Can I go to a bank to get my merchant account?
6. How do I find the right merchant service provider for my business?
What do I need to open a merchant account and get set up to take credit cards?
What makes a business risky to the processor?
9. I am starting to understand how all this works but I am going to open an online Internet stor. What do I need to know?
10. Will I also be able to accept checks payments on my web site?
11. While I now understand the components involved with online credit card payment processing, how do I actually implement this on my web site?


1. Are there other fees or expenses involved?
2. Those fees are less expensive than I thought it would be but there must be some other hidden fees?
3. I hear American Express and Discover are not used much and is more expensive than the discount fees. Is that true?
4. Great, so it is not really an added expense to take American Express or Discover but there must be a fee from the credit card companies themselves?
5. How much should I pay for a terminal or software solution?
6 . I do not have much capital and want to save my money for marketing and other things I need to do. What should I do?
7 . What are some things I can do to reduce chargebacks not related to fraud?


1. I hear it is risky to accept checks but a lot of people do not use credit cards and prefer to write checks? Should I accept checks?
2. What else do I need to know about accepting checks?
3. Will I also be able to accept checks payments on my web site?
4. Is it safe to process credit cards over the Internet?
5. I hear so much about fraud and merchants losing money by accepting bad credit cards. What can I do to reduce the risk to me?

More Info

1. What if I already have a terminal? Can have it programmed to work with the new processor?
2. Tell me about Government, Corporate credit cards, and Foreign Issued Credit Cards. Can I take them?
3. What about debit or check cards? I hear this is a good idea if I have a retail store?
4. I keep hearing about electronic terminals, software and real time processing software on the Internet. Can you explain these things?
5. What is a virtual terminal?
6. Can I use a virtual terminal to accept checks?


Take Your Choice!
A Free Credit Card Processing Terminal or
Free Credit Card Processing Software
(a $495 Value)

Why Buy, Lease or Rent when Free Credit Card Processing will give you a Credit Card Processing Terminal or Credit Card Processing Software for FREE. That’s right. FREE. Most of our competitors offer the exact same terminals or software and charge you hundreds of dollars for these, or even make you sign a 3-4 year non-cancelable lease that will end up costing you thousands of dollars.

Click here to apply for Free Credit Card Processing and Merchant Accounts!

Free Credit Card Processing will help you get approved for your own merchant account. Merchant Accounts allow you to accept the following credit cards: Visa, MasterCard, American Express, Discover, and even Online Checks.

The founders of Free Credit Card Processing are specialists in credit card processing and have been responsible for the signing of over 50,000 small and medium sized merchants who PAID for the same Credit Card Processing Terminal or Credit Card Processing Software we are now able to offer to you for FREE.

To qualify for the FREE Credit Card Processing Terminal or FREE Credit Card Processing Software, which can be used from any computer with Internet Access or Wireless Palm Pilot, you must obtain a merchant account through our company and agree to stay processing with us for a minimum of 1 year, and:

- be a Legitimate Business located within the US or Canada
- have a Business checking account or Personal Account for Sole Proprietors
- be 18 years of age, not in a current open - bankruptcy and live within the United States.
- ensure your business is not on our Restricted List

Since every business is unique, we will provide you with a personalized phone consultation to help you obtain your merchant account and decide which is the best way for you to process your credit card transactions.

No More Paypal! No Start Up Costs!
Use Pay-Me-Now on your Palm Pilot!!