What is a Merchant Account? A Merchant Account enables you to process credit cards, debit cards, gift cards, and electronic check transactions. These payment methods are convenient for your customers and they help you get paid faster.

  What types of businesses can set up a merchant account? We accept Retail, Restaurant, MO/TO, and Internet/ E-Commerce.

  What credit cards will I be able to accept? We set you up so that you can accept all major credit and debit cards including MasterCard, Visa, Discover, American Express, and bank ATM debit cards.


  Do I need a business license? Yes, you do need to have a business license, trade name registration, DBA certificate, etc.

  What is the Address Verification System? 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.

  How will I get my money? Your funds will be deposited directly into your current business checking account on file. Typically between 24-48 hours (sometimes slightly longer if your business is considered high risk). If you ever need to update your bank account, please give us a call at 1(866) 477-8088.


  How long does the approval process take? Most accounts are approved in 48 hours once all necessary paperwork is received. After approval, we will immediately inform you of your acceptance and deliver the terminal equipment or software.

  Does SW Merchant Services Group require a contract? At SW Merchant Services Group, we do not require merchants to sign a contract.

  When do credit card transactions get funded? Funds generally get funded within 48 hours after settling the terminal.