Now free WordPress to compliment your business. Accepting credit cards is a must for online businesses today. Consumers enjoy both the convenience and the security of buying with a credit card 24 hours, 365 days. Doing business by Phone, Mail Order or Internet have never been easier then today. We have been an partner since 1996.  The Internet Gateway is a secured interface for business to complete real-time transaction processing. Merchants can either manually key-in the customer's purchase at our website Virtual Terminal or use a Shopping Cart that will connect to the payment gateway to get a real-time credit card card authorization. Using the Internet Gateway, iPhone or Quickbooks is a cheaper alternative then using voice authorization and is the best option for "Card Not Present" transactions. Deposits are made to your bank account within 24 hours.  Preview a Virtual Terminal Demo and Ecommerce Integration Methods.

If you are a Ebay Seller, you will be  pleased we have the quick, low cost and perfect solution for your business website. Find out more here resellerStep 1: You, as the Merchant submits a credit card transaction to the Authorize.Net Payment Gateway on behalf of a customer via secure connection from your Web site or shopping cart or from a MOTO center or by using a wireless device.

Step 2: Authorize.Net receives the secure transaction information and passes it via a secure connection to us, as your Merchant Acquirer's Processor.

Step 3: We will then submit the transaction to the Credit Card Interchange VISANET (a network of financial entities that communicate to manage the processing, clearing, and settlement of credit card transactions).

Step 4: The Credit Card Interchange VISANET routes the transaction to the customerís Credit Card Issuer.

Step 5: The Credit Card Issuer approves or declines the transaction based on the customerís available funds and passes the transaction results, and if approved, the appropriate funds, back through the Credit Card Interchange.

Step 6: The Credit Card Interchange relays the transaction results to us.

Step 7: We store the transaction results for your statement and relay the results to you, as well as to Authorize.Net.

Step 8: We pass the appropriate funds for the transaction to your bank, which then deposits funds into your bank account directly. This communication process averages three seconds or less!

Internet/MOTO Comparison Industry Average   UBS eSavings Plan
Setup Fee $0 - $299   FREE
Application Fee $50 - $300   FREE
Programming Fee $50 - $295   FREE
Automated Recurring Billing (option) Few   YES
QuickBooks integration and reporting (option) Few   Yes (See Details)
Free eCheckNet program and collection service Few   FREE
Multi-employee secured access Few   YES
Optional - WordPress hosting None   FREE
Optional - Authorize.Net Setup License Fee $0 - $300   FREE - $0.00
Optional - Authorize.Net Recurring Billing $10   FREE - $0.00
Optional - Authorize.Net App (iPhone/iPad, Touch) None   FREE mobile app
Optional - Authorize.Net Gateway (monthly)
=>>Test Drive Authorize.Net
  $13.00 Lock-in exclusive bank rate for non-swipe
Just Authorize.Net Gateway Only     More Details
  • Free WordPress 1gb with merchant account
  • Use your own .com domain or register one for $8.50 a year
  • Self-service, setup your wordpress and email; when account has been approved
Transactions $0.30 - $0.50   Only $0.10 cents for Gateway and $0.15 to Bank
Address Verification $0.05 - $0.10   $0.00 cents
VISA/MC/Discover Qualified Rate eCommerce 2.25% - 3.95%   Only 2.1% (2.2% - Bonus Discount 0.1%) *
American Express US Standard   Determine by Amex. Effective rate 1.908% for small biz
Service Fee with free Statements (month) $10.00 - $25.00   Low $9.95
Contract 3 Years   None
Merchant Verification Seal None   Free, enhance your credentials
Search Engine Submission None   Automated submission to google, yahoo and bing
Free Scripts None   Free Quick-start php scripts plug/play.
GoDaddy Hosting Super Center Discount None   Upto 20% off ecommerce, domain and hosting products.
Go Wireless with Apple Smartphone None   iPhone, iPad and Ipod Touch App
Inter-banks Charge-back High fee   Always a low penalty fee
Discount 800 numbers None   Enhanced virtual business solution
Monthly Minimum (None) $35   No Monthly Minimum Option (save upto $420 a year).
Personal Advisor No   Yes.  Client Partner and Risk Analyst
Real-time Application Very Few   Direct to bank with instant approval or feedback
Approval Strict   99.9% including Home Office, Ebayers and Startups
  *Bonus discount is part of a  Program available for everyone.  can lower your rates to interchange or 2.05%.   Add 20 cents to end of day batch, for days with sales deposit.  See Rates and FAQ for complete details and non-qualified rates.  
  Option offer: Keeping it just as attractive for established businesses, you can waive your annual postage handling fee if you promise to meet just a low $15 monthly minimum of transactions OR an annual postage handling fee of only $19.50 a year is applicable.  Apply online and make your selection.  Free WordPress or Fantastico with merchant account is simple, just create a ticket, provide us your domain name and we will activate it for you.  
  Related Products: Gateway Only | Ebay | Automated Recurring Billing | Mobile Payment | QuickBooks | All Products  
Before You Begin Your Application:
Please make sure you have the following information available.
[ ] Business contact information (address, business phone number)
[ ] Owner/principal Names
[ ] US Business Federal Tax ID# (or SSN for Sole Proprietorship)
[ ] A check that shows business or your name, routing & account number (for your sales deposit)
[ ] Provide an EMAIL address and you can receive status updates.



UBS Merchant Account Copyright (c) 2003 2019-10-23. UBS an agent of Harbortouch Payments, LLC is a registered ISO/MSP of First National Bank of Omaha