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Frequently Asked Questions


How Long Does It Take To Get Setup?

 This totally depends on the applicant.  We have seen many applicants approved in as little as one day.  Much of this depends on how quickly applicants provide the processor with requested information.  We have had merchants apply on a Friday and start accepting credit cards on Monday.   

How Long Have You Been In Business?

Paybyweb has been in business since September 1, 1992.

What credit cards will I be able to Accept?

With a Paybyweb merchant account, you will be able to accept Visa, Mastercard, Amex, and Discover.

What Gateways do you support?

Paybyweb provides an payment gateway with approved merchant accounts.  Should you desire to use a different gateway, siimply let us know.  

Can't I go direct to

You certainly can, but you will pay more!  A LOT more.  With Paybyweb, you skip the activation fee and pay lower transaction fees, because we have been a reseller for so long.  

Which Banks Can You Deposit our Checks into?

Paybyweb can deposit checks into your account at Wells Fargo, Bank of America, Chase, Regions, TD, or any other bank that provides branches in our area.


What terminals do you offer?

We offer a full line of credit card terminals, for any type of user.  Once your application has been approved, the processor will provide you with the terminal options.  If you want a virtual terminal, we will set that up for you.

Are there any merchant types you do not accept

Paybyweb works with different processors.  Depending on the application, we place each merchant with the processor best suited for an approval.  Businesses located outside the U.S.  and businesses operating illegally will not be approved.  

How does Autocheck work?

Autocheck is a service we provide that helps get your customer's check into your bank.  You obtain your customers checking information, provide it to us in a file, we print actual paper checks using your customer's information and take them to your bank for deposit into your acct.  Your customer need not sign or mail the check.   Fees are:

  • Transaction Rate: 3%
  • Transaction Fee: .40/check
  • Account Setup: $35
  • Bank Delivery: $25/batch

What is tmf?

TMF stands for the Terminated Merchant File.  If you have been placed on this, it will be VERY difficult to obtain a merchant account.  This list is typically comprised of merchants who have left their processor owing money or been found to be operating illegally.  All merchant account applications are run against this list.  It can take a few days for this process to complete and is not uncommon for an applicant to be approved and then shut down within a couple of days once they have been found to be a TMF merchant.   To get off this list, contact the processor that put you on it.  

do you provide 3rd party or regular merchant accounts?

3rd party or aggregator accounts are merchant accounts that include many different merchants, or a service like Paypal or Square.  They decide whether to approve/decline transactions and payout.  We only provide direct merchant accounts.  The customer's credit card statement will reflect your business name and you can set the parameters of what transactions are approved/declined using security and fraud prevention techniques.  

Will my merchant account work with my shopping cart?

Our merchant accounts are generally setup to work with  99% of the shopping carts integrate seamlessly with  When we setup your payment gateaway, we will provide you with an API login and Key.  You plug those two fields into your shopping cart and merchant account should be ready to go.  Takes less than a minute.