Thank you for making Paybyweb America's Highest Rated Merchant Account Provider!
Last month, just to say Thank You, we offered your Authorize.net Payment Gateway Free! Due to demand, we are extending this. SEPTEMBER IS FREE AUTHORIZE.NET MONTH. That's right! Open your merchant account with Paybyweb this month and we'll cover your Authorize.net payment gateway fees...EVERY MONTH! You can apply today and be processing by tomorrow! SAVE HUNDREDS OF DOLLARS PER MONTH!
I want to sell from our website or take phone orders. I am not sure what I need. So...can you help?
A:
Certainly! To accept credit cards for your website, phone order, etc. you need two things: A merchant account and a payment gateway. The merchant account is the account with a bank that permits you to accept credit cards. The Payment Gateway provides a link between the merchant acct and your website AND the virtual terminal to manually enter a credit card transaction. When you apply above, you are applying for both. Once approved for the merchant acct, we will setup your payment gateway, via Authorize.net.
Q:
What is my total cost to get started?
A:
ZERO! There is no fee for the merchant account.
Q:
How long will it take to get my account up and running?
A:
Your account can be up in as little as ONE day. This is based on your application being complete.
Q:
Do I need a Terminal?
A:
No. The gateway provides both website orders AND a Virtual Terminal for manual order entry.
Q:
Is this account for my High Risk Business?
A:
No. This merchant account is for general product/service based businesses.
Q:
How often do I receive funds from my merchant account?
A:
Funds are deposited DAILY into your checking account.
Q:
What Gateway will I be setup with?
A:
Once approved, we will email you notification. We will then build your Authorize.net gateway.
Q:
How long has Paybyweb been in business?
A:
Paybyweb has been in business since 1992.
Q:
Does the e-Commerce Merchant account work with Yahoo! Stores?
A:
Yes. Once approved, we'll email you a form for the payment gateway. There is a place for you to select YAHOO! Store. Once we receive your request, we handle the rest.
Q:
What is the Chargeback fee?
A:
A $25 fee will be assessed for chargebacks.
Q:
What Credit Cards can I Accept?
A:
You can accept Visa, MasterCard, Amex, Discover, JCB, and Diners Club.
Q:
What do I need to get started?
A:
A checking account located in the U.S. Be at least 18yrs old, and have a SSN or EIN.
Q:
What is a Gateway? Do I need one?
A:
The gateway connects your website to the merchant account. It also provides a Virtual Terminal for manual order entry. Merchant accounts do NOT work without a gateway. Gateway providers include Verisign, Authorize.net, and Plugnpay.com. We are Registered Resellers for Authorize.net, Linkpoint, and Plugnpay.com. Unless otherwise requested, your account will be setup with Authorize.net.
Q:
We did not originally request Amex when we applied. How do we add Amex to our account?
A:
You can add Amex to your merchant account in two easy steps.
STEP 1:
Call Amex Customer Service toll free at 1 (800) 528-5200 and complete an application by phone. You will receive an AMEX Merchant ID (MID).
STEP 2:
Email your new AMEX MID to info@paybyweb.com, being sure to include your business name and phone number.
Q:
Do I need to select which gateway plan I want when I apply?
A:
No. Once approved for the merchant acct, we will email you a link to your Authorize.net Request Form. When you complete that form, you will select which plan you would like.
Q:
Once I pick my plan, can I change to a different plan?
A:
Once we setup your gateway, we cannot change the fees. So, if you think you are going to process many transactions, pick the Gold or Platinum plan when you activate your account.
Q:
Are these the only fees?
A:
The fees you see on this page, are the fees you will be charged, unless you request additional services such as Recurring Billing.
Q:
Who charges the fees?
A:
Other than the activation fees for the Gold/Platinum/Ultimate plan, all fees are charged by your Merchant Service Provider and Authorize.net. They pay Paybyweb directly for our services.
Q:
How do I calculate the total fees charged for my merchant acct and gateway?
A:
Simply add the Merchant acct AND Gateway fees to calculate your merchant processing cost.
By clicking on the APPLY link above, you understand that you are applying for a merchant account with Paybyweb, in Association with First Data Merchant Services. If you don`t process $25 per month in fees (approximately $1,100 per month in sales), First Data will charge you a $25 fee. More importantly, if you don`t generate $25 in fees a month...you most likely don`t need a merchant account! 1 Merchant must maintain account for at least 8 months. After 8 months, merchant may cancel with no fee. Prior to 8 months of activation, merchant cancellation subject to $349 cancel fee. 2September Special - Terms and Conditions:
Merchant must process a minimum of 100 unique credit/debit transactions via their Authorize.net gateway in a calendar month. Discounted fee structure of $14.95/mo and .20 per transaction will apply to merchants who do not qualify.
Applies to new merchants only - who's payment gateway was opened on or after 08/02/2010.
Optional gateway services such as recurring billing, e -Check, Consumer Information Management, & Fraud Detection Suite service are not reimbursed.
Merchant must complete Paybyweb's Service Evaluation form within 30 days of gateway activation date. A link to this form is provided to all new activated merchants.
Merchants will be required to submit their monthly gateway billing statement for verification purposes. Statements must be received by Paybyweb no later than the 15th of each month in order to reimburse merchant for gateway services provided the previous month.
Certain restrictions may apply. Void where prohibited by law.
3 Once approved, Paybyweb will build your Authorize.net gateway and provide your login/pw. By submitting your application, you authorize Paybyweb to build, review your settings, and activate your gateway, on your behalf. Gateway Activation Fees are not refundable once your gateway has been activated, subject to Paybyweb's refund policy.
4 Free when you sign up on mymerchantoffice for electronic statements. Otherwise, $10/mo.
Merchant Accounts, Check By Phone, Credit Card Processing solutions, Terminals, and more.
Paybyweb Inc. is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA & Registered Agent for e-Online Data. American Express requires separate approval.
