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Is the Web hosting free if we apply for a merchant
account?
Yes. Once your merchant account application is submitted
through Pays.com and approved, your Web site can be hosted
on our server for free.
What kind of businesses do you accept?
We accept Internet based and home-based businesses as well
as retail, professionals, trade shows, and mail and
telephone orders.
What if I have less than perfect credit?
Our approval rate is 98%, so even if you have bad credit
you are likely to get approved.
What credit cards will I be able to accept?
We set you up to accept MasterCard, Visa and ATM / debit cards. You can apply for American Express
and Discover at the same time.
Do I need a business license?
No, you do not need to have a business license, trade name
registration, DBA certificate, etc. but it is helpful.
What is the discount rate?
Every bank charges a discount rate. The discount rate is
the percentage of each transaction that the processing
company charges to handle the transaction for you, Our
discount rates are exceptionally low, and good for mail
order/telephone order and Internet merchants.
What is the Address Verification System?
If you sell mail order/telephone order, or through the
Internet, you don't want to send a product to a false
address and risk receiving a chargeback. The
Address Verification System (AVS) lets you enter the
customer's home address and compares it to the address on
file with their credit card company. If someone uses a
stolen card, and wants products shipped to a false
address, AVS will detect this for you.
Are our statements available online?
Yes. All your statements will be available online. You can
login to your Merchant Office and view or print your
statement. If you choose to receive paper statements, the
first 6 months are free. After that, there will be a small
fee for paper statements. Most customers choose to access
the e-statements online and avoid paying the statement fee.
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