Merchant Account Rates and Fees

Rates As Low As 1.09%, With Preferred Status and No Hidden Fees!

Many Merchant account providers will claim that they guarantee the lowest rates, but since they don't list all of their fees, it is impossible to comparison shop and many have all sorts of hidden fees. At VIP Merchant Account, we strive to be straight forward as and transparent with everything we do, so you will know you are getting the lowest rates available, while your preferred status will give you access to perks not available through many of our competitors. Since the exact rate and fees will depend upon your past and future projected transactions, it is not possible to give you an exact rate quote without knowing your exact situation, but we have listed our average rates and fees below to help you shop smarter and hopefully earn your business in the process.

Lowest rates for the life of your merchant account  

When our merchants speak we listen.  That is why we have developed a program that protects our merchants from their rates going up.  We call is our preferred status, life time, low rate guarantee.  Every processor, through Visa and Mastercard raises rates with very little warning. This can happen multiple times per year and before you know it your paying double on your credit card processing transactions from how you were initially set up.  Not with our preferred status, you will be protected!

Average* VIP Merchant Account Rates and Fees:

*This table is an average. Please note that you may be eligible for lower rates and extra perks

Visa/MC/Discover Retail Discount Rate 1.59%
Visa/MC/Discover Retail Transaction Fee  $0.20
Address Verification Fee (AVS)   $.05
Monthly Service Fee $7.95
Application Fee FREE
Setup Fee    FREE
Re-Programming Fee FREE
Monthly Maintenance Fee FREE
Customer Service Fee    FREE
American Express Setup Fee FREE
Average Approval Rating 99%
Account Setup Time    1 Day
Gateway Fee $10.00
Statement Fee $7.95
Monthly Minimum       $20.00
Average Discount Rate (internet) 2.19%
Transaction Fee (internet) $0.21
Address Verification Fee $0.05
Virtual Terminal
Payment Gateway
Clear the Account (Days)    1 to 3 business days
Offers eCheck yes
Shopping Cart Available   yes
Recurring Billing    yes
Fraud Protection     yes
Address Verification     yes
Real Time Processing yes
SSL (Secure Socket Layer) yes
PCI compliant      yes
CVV2 (Three Digits)     yes
Visa      yes
Master Card        yes
American Express yes
Discover     yes
Debit      yes
Free Credit Card Terminal* yes
Support Hours 7am-10pm

*Each credit card merchant account is eligible for a free credit card terminal. Depending on level of prior credit card processing, you may be eligible for and upgrade to a free top-of-the-line credit card machine.                     

Start Accepting Credit Cards Today!
Fill out the simple form to the right to sign up for your credit card merchant account and start processing credit cards today. You can also call us at:
(800) 494-7180


Merchant Account Setup
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You can also reach us immediately at:
(800) 494-7180
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