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As always, a trusted industry leader in merchant accounts and electronic payment. A Merchant Account gives you options. Help your customers pay anyway they want. First Data Security: Trusted worldwide. Protect your customers by protecting their information.


Accept Credit Cards Online, In-Store,
Or With Your Smart Phone.



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What is a
merchant account?

A merchant account is necessary for any business to accept credit and debit cards either online or on location. Credit card terminals and other electronic payment forms, such as websites or virtual terminals, interact with your merchant account. In turn, your merchant account is connected directly to your bank account where the funds are deposited. Every payment made with a credit card involves the transfer of funds to a merchant account. If you want to accept credit card payments, you will need either a merchant account of your own or the services of a third-party payment processor.


How much does a
merchant account cost?

Most merchant account providers have per transaction fees, monthly support fees and monthly minimum fees. At Cardservice International (now First Data Independent Sales), we pride ourselves on transparency. In most cases, there should never be any upfront costs to setup a merchant account. You are charged a small percentage fee and a pre-authorization fee per transaction. Our rate is a low standard of 1.59%* for swiped transactions. In most cases, there should never be any upfront costs to setup a merchant account.Most merchant account providers have per transaction fees, monthly support fees and monthly minimum fees. At Cardservice International (now First Data Independent Sales), we pride ourselves on transparency. For a complete explanation of rates, please fill out our 5-minute application.


How long does it take to
get a merchant account?

Our merchant account application takes about 5 minutes to fill out and most applications are approved within 1 to 2 business days. A representative will contact you after the application has been submitted to answer any questions you have and to explain the next steps in the process. If you would like to speak to a representative now, please call us at 1-866-999-6632 or start an online chat here.





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Everything You Need To Know




TransArmour® Security Solutions

How do I prevent credit card identity theft and fraud?

As one of the world's largest processors, First Data Independent Sales (formerly Cardservice International) has a well-earned reputation for providing the best in payment security. The First Data Transarmor® solution makes customer information practically impossible to steal. Learn more about Transarmor®.




You can accept credit cards online too!

Can I accept credit cards online?

Absolutely. Regardless of what your business model looks like right now, you will probably want to expand into the world of ecommerce soon. Through Cardservice International (now FDIS), even small businesses without a shopping website can accept credit cards with our free virtual terminal. It comes included with our internet merchant accounts.


If you do plan on opening a virtual store, you will need an online shopping cart - software that allows your customers to collect items from your website and check out. Every internet merchant account from FDIS comes complete with our secure payment gateway and integration API software that allows your account to connect with most shopping cart software and services. Learn more about ecommerce options.




We offer a wide variety of credit card terminals in our online store.

How do I choose a credit card machine?

Make sure you have thought about what your needs will be. Do you only want to accept cards? Or will you need a machine with a check reader to make sure that you don't accept unfunded checks? In addition, you should consider what data options are available to you (phone, internet, wireless). Finally, make sure that your machine is backed up by a strong credit card security system. First Data Independent Sales has options that other processors do not. Learn about the Transarmor® Solution and EMV. We also back all of our machines with a lifetime warranty for as long as your merchant account remains active. Learn about our warranty.


Do I need a credit card machine?

If you want to accept checks in-store, you will need a credit card machine. Fortunately, any credit card machine purchased through Cardservice International (now FDIS) comes with a lifetime warranty for as long as you maintain your merchant account. That means you never have to pay for repairs or replacements. Ever. Learn about the warranty here.