Accept Credit Cards on Your Website Highly Competitive Rates and Percentages Choice of Payment Gateways No Contract, Application or Cancellation Fees Fast Turnaround & Virtually Guaranteed Approval Apply Now

Some merchant providers charge $100 or more to have your merchant account set up and tie you into a long term contract to receive their best rates. With CTmerchant, there are no application fees and no commitment requirements whatsoever.

You also have the choice of two payment gateways unlike other providers who offer only a single set of rates with one gateway service. Authorize.net is a well-known, highly reliable provider while USA ePay is another reliable provider that offers extremely competitive rates.

Startup Costs & Ongoing Fees

	Description	Payment Gateway
		USA ePay	Authorize.net
	Application Fee	None	None
	Cancellation Fee	None	None
	Yearly Fee	None	None
	Contract Length	None	None
	Setup Fee (one time)	$39.00	$55.00
	Statement Fee (monthly)	$5.00	$5.00
	Gateway Fee (monthly)	$10.00	$15.00
	Per Transaction Fee *	$.21	$.26
	Qualified Discount Percentage **	2.24%	2.24%
	Monthly Minimum	$15.00	$15.00
* Includes gateway and merchant account fees. AVS fee adds $.05 per transaction.
** Non-qualified transactions are subject to a higher discount percentage of 3.08%.

How does CTmerchant work?
You can read how the merchant process works in detail by clicking here.

How do I apply?
Getting started is extremely simple. Just click the "Apply Now" link and fill out the short application. A Newtek representative will review it and contact you to complete the sign up process. Your application should be approved within 24-48 hours. With a 99% approval process, you are virtually guaranteed to have your account up and active when you need it.

For questions regarding the application process or questions not answered here, please call (866) 204-1416.

Please note: due to certain banking requirements, CTmerchant is designed for businesses based in the United States.