Accept Credit Cards on Your Website Ideal for Smaller Merchants No Contract, Application or Cancellation Fees Fast Turnaround & Virtually Guaranteed Approval Easy Upgrade to Standard CTmerchant Solution 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 CTmerchantlite, there are no application fees and no commitment requirements whatsoever.

Merchants can start with CTmerchantlite and then move to the standard CTmerchant solution once you consistently process over $1000 in monthly sales (a one-time transfer fee of $25 is required). This means you have the ability to select the payments solution that is the most advantageous to your business now and as it grows.

Startup Costs & Ongoing Fees

	Description	Payment Gateway
		USA ePay
	Application Fee	None
	Cancellation Fee	None
	Yearly Fee	None
	Contract Length	None
	Monthly Minimum	None
	Setup Fee (one time)	None
	Statement/Maintenance Fee (monthly)	$2.95
	Gateway Fee (monthly)	$10.00
	Per Transaction Fee *	$0.30
	Qualified Discount Percentage **	2.90%
* Includes gateway and merchant account fees. AVS fee adds $.05 per transaction.
** Non-qualified transactions are subject to a higher discount percentage of 3.90%.

How does CTmerchantlite 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, CTmerchantlite is designed for businesses based in the United States.