What is a Merchant Account, and why do I need one?

A Merchant Account is an account that is setup between a merchant and a bank in order to process credit card transactions. This is generally done through the merchant’s local bank or through a merchant service provider.

The Merchant Account is linked to a bank account, typically a checking account, setup by the merchant. The funds from the merchant’s sales will be deposited and any refunds will be withdrawn from this attached bank account.

A Payment Gateway is required to automate the transaction between an Ecommerce Website and the client's Merchant Account.


What is a Payment
Gateway?
A Payment Gateway is a service that automates payment transactions between an E-commerce website and the merchant's Merchant Account. This is generally a third party company that processes, verifies and accepts or declines the credit card transactions through secure internet connections on behalf of the merchant. Your merchant account provider should be able to assist you in obtaining a payment gateway.

HWS has partnered with ClearChoice as a preferred merchant account provider to offer you the best options in accepting credit card payments online.

HWS clients are not required to use our preferred merchant account provider, but this third party provider has been approved by HWS to ensure compatibility with our e-commerce stores, as well as to ensure competitive rates.

Do you already have a merchant account provider? If so, you may consider contacting our preferred provider to possibly receive a better rate.

Speak with your merchant account provider directly in order to obtain a payment gateway for your website. Please keep in mind that only certain payment gateways are compatible with our e-commerce stores without additional programming fees.

HWS is not responsible for approval or denial of merchant account applications.


   ClearChoice Merchant Services, LLC

Heritage Web Solutions has selected ClearChoice Merchant Services as an endorsed provider to support your electronic payment requirements. As a leader in the industry, ClearChoice can be trusted to provide your business with the latest and most secure payment systems available today.  ClearChoice enables your business to accept all major credit cards, ATM cards, and electronic checks.  They also offer eMerchantView, an online website that allows you any time access to your daily transactions, sales deposits, retrievals, chargebacks, and monthly statements.

SAME DAY APPROVAL!  With their easy application process and high acceptance rate, you could be accepting your customers\' payments the very next day! Not only that, but ClearChoice also offers you their exclusive sign-on processing rebate upon your first sale. 

They can also assist your company\'s growth through other revenue enhancing products:

  • Gift and Loyalty Card Programs
  • Small Business Loans
  • ATM Dispensers

Their goal is the same as YOURS... provide a quality, low cost payment solution that guarantees quick access to your funds and is supported by an outstanding customer service team!

News Release!

Your low cost payment processing doesn\'t stop with Visa and MasterCard... Discover Card recently announced ClearChoice Merchant Services as one of their exclusive payment acquirers.  That means with ClearChoice you can now receive lower cost Discover transactions than ever before! Click below to complete their application and Earn Additional Incentives!

More information on ClearChoice Merchant Services