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Credit Card Processing Blog Posts

By First American Merchant

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What Small Businesses Need to Know About Accepting Credit Card Payments

Credit card processing seems simple enough: Get a merchant account and set up your equipment, and you’re good to go. But for very small businesses — such as mom-and-pop shops, one-person operations and home-based sellers — the decision to accept credit cards means having to consider some very unique needs. From the difficulty of getting approved for a merchant account to losing money from fees and facing the challenges of using the same technologies as large corporations, the road to accepting credit cards can be rough. Nevertheless, small businesses don’t have to be at a complete disadvantage. Just because you’re […]

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Merchant Account Solutions for Collection Agencies

For the business overwhelmed with accounts receivable, collection agencies are the good guys. They step in and hold the business’ customers financially responsible for the goods/services they have yet to pay for. Even so, some collection agency’s actions tarnish the reputation of others who operate honestly. Thus, collection agencies are typically classified as “high risk” and struggle to secure the merchant accounts they need. Even the collection agency startup with honest intentions will feel the effects of this industries reputation when they apply for a merchant account. This stress only adds to the overwhelming and intimidating process of collecting debts […]

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Automotive Payment Processing Solutions

More and more entrepreneurs are turning to alternative lenders like First American Merchant for their payment processing needs. Why? Industries like automotive are considered to be high risk by banks and other traditional providers. At first glance, running an auto shop seems to be straightforward. However, the day-to-day operations of an auto shop are incredibly diverse. Large average ticket sizes for repairs and parts are typical for this industry. Unfortunately, this also leads to fund holds or overwhelming chargeback rates. As a result, banks consider these businesses too risky and turn them away. Without a merchant account, businesses are unable […]

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Getting A Business Loan From An Alternative Online Lender

Getting business funding requires some planning. It is important to gather the required information and documents ahead of time. This will help you go through the whole process easily. Alternative online lenders are a great option to apply for business funding. They offer fast approval and ease of application process, and are increasingly becoming more and more popular. Generally, you’ll be required to provide only 3 or 4 documents. The whole process will take minutes instead of days, and you’ll be able to get your funding in some 24 hours. It’s critical to turn to a reputable business loan provider […]

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What to Do When Co-Signing for a Relative Goes Terribly Wrong

Unfortunately, this happens all too often. A family member will ask to use another family member’s personal credit in order to open a business credit card. They explain that this will help build his or her creditworthiness and get their business off the ground. Before the unsuspecting individual realizes it, that family member racks up a lot of debt and refuses (or is unable) to pay the bill. Does this sound familiar? While your family member may have a moral responsibility to pay, your creditors view the situation a little differently. In their eyes, if you signed a contract saying […]

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Finding The Perfect Merchant Account for Your Car Mechanic Shop

Starting any sort of business can be daunting and finding the right merchant provider is just one of the tasks you must do, this ensures your customers have options to enable them to pay for their goods or services that you provide. If you want to start your own car maintenance business, as long as you are able to repair and maintain cars, finding the right merchant account is just the start of the other side of the business you will need to address. If all you want to do is to fix cars, then running your own business might […]

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Listen Up Restaurants: Clients Don’t Want to Use Cash – They Want You to Use Their Credit Cards

While most major restaurant chains accept credit cards, many small, local restaurants do not. Some do it for security reasons and others to keeps costs down. However, more customers are more likely to carry a credit card than cash, so it is only logical that a restaurant, large or small, should accept credit cards. All small businesses need a reliable credit card processor, and this article will guide you to finding the right processor for you and your business. If you operate a small restaurant or food cart, it may seem like a hassle to accept credit cards. In reality, […]

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How business’s can protect themselves against chargebacks

A chargeback is just that. It’s when a customer wants to get a charge back, also known as a refund. Normally, a refund would not be something to worry about. But if you get above a 2% chargeback amount, the nerves of the merchant servicer begin to quiver. If you didn’t know, the merchant account servicer is responsible for the refund amounts if you go out of business and don’t cover your chargebacks. It’s no wonder It’s no wonder that merchant account servicers are so nervous about a chargeback. So, plan ahead and take charge if someone is not happy […]

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What is the Best Credit Card Processing ISO Program?

ISO Programs for Credit Card Processing What is the best merchant services agent program? There are hundreds of credit card processing companies in the marketplace and they all offer different iso and agent programs, how to choose the best one?  Many merchant level sales people have been burned in the past by ISO’s not paying residuals, not paying on time, or scamming their customers. The answer is simple: There is no “best iso program” Smart credit card processing agents and ISO’s are choosing to be a merchant services broker. You can partner up with a company like or First […]

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Accepting Credit Cards Online – Website Merchant Accounts

Credit Card Processing Online Accepting credit cards on your website has never been easier. There are a variety of providers and solutions available to todays business owners. Credit card processing is our specialty here at First American Cash Advance. We have dozens of merchant services providers to choose from in our network. We have credit card merchant accounts for online businesses. Check out a few credit card merchant account providers below.  We provide secure payment gateways for free to most of our online customers. To learn about the many options we have and to speak with a credit card processing […]

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