Merchant Account and Credit Card Processing Services including Free Credit Card Machine or Virtual Terminal Software and Payment Gateway

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You can Stop Searching for Merchant Account Fraud Protection because you have just found the Best Fraud Prevention Merchant Account Service on the Internet.

Applying for a Merchant Account has never been this Easy!

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- Free Gateway Software

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- Low Rates from 1.99%

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- Low Rates from 1.38%

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Apply for Restaurant Merchant Account or Gas Station Merchant Account

You may apply for your merchant account right now online and receive instant approval, guaranteed low rates, a free credit card terminal, and start processing credit card payments today FREE.

Merchant Account Fraud Protection


The latest merchant account fraud protection techniques are useful for all online business storeowners. It helps in real-time verification of cardholders by the issuing authorities and thus reduces total cost of fraud and ultimately the overall cost of doing business.


If you want to compete in business today, you must accept credit cards and start processing credit card payments.


Over 88% of all internet and phone sales are paid for by credit card merchant account.


When you accept credit cards for business, your sales have the potential to increase as much as 400%.


Click Here and Apply FREE today!


Sign Up Today and Receive ALL of the Following Merchant Account Benefits:

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Instant Approvals.

No Setup Fees.

No Application Fees.

No Leases.

No Paperwork.

No Hassle.

Apply Now!

Yes, it is FAST, EASY and ABSOLUTELY FREE. Apply Now!

You will Save Hundreds of Dollars in wasted time, merchant account application and setup fees, credit card terminal purchase and leasing accept credit cards, merchant accounts, process credit card payments onlinecosts, and other hidden unforeseen contract fees which we do not have simply by signing up today to accept credit cards with your very own real merchant account. Apply Now!

Don't lose another sale because you don't accept credit cards.

You will be able to accept Visa, MasterCard, American Express and Discover credit cards for business products and services today upon completing our Easy Quick Application featuring Instant Online Merchant Account Approval. Apply Now!

"It was SO quick and easy to sign up; none of the costs and difficulties the banks wanted to impose on us. You guys were definitely the fastest, cheapest, easiest, and I haven't had a lick of trouble since we signed up 6 months ago. Our trust was well-placed. Thank you!"  -- Renee T., California

Apply Today and receive FREE RETAIL Credit Card Terminal

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Why spend hundreds of dollars on a terminal or get locked into a lengthy lease, which could cost you thousands of dollars, when you can get your modern Retail Terminal here for FREE. Don't be fooled by our  competitors. Your new Modern Retail credit card terminal does everything you need for your retail store front business. get a new free credit card machine

No matter what type of retail business you have whether it's a restaurant, automotive shop, law office, hair salon, hotel, convenience store, doctor's office, golf shop, music store, jewelry store, or furniture store your new Modern Retail credit card terminal will work for you. Apply Now!

In order to qualify for our free modern retail terminal, you will need to have the customer present with you at least 75% of the time so that you can physically swipe their credit card.

If the customer is not present 75% of the time, then you still qualify for our Free Online CC Processing Virtual Terminal (see below).

This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"I just wanted to write and tell you how happy I am to have come across your company. After searching the Internet for hours to find the best deal, I have to admit that your deal sounded almost too good to be true. But what was I suppose to think? I saw some of your freebies like your free shopping cart and free check software and it was hard for me to believe that you really offered all of this for Free. I have to tell you, I was surprised to find out that you really do offer everything you say! I'm definitely a believer. Thanks again." -- Seth. G., New York

Apply Today and receive FREE CC Processing Virtual Terminal

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Perfect for eBay, Internet, Mail, and Phone Order Businesses
This is the most popular choice of our merchants. This is the option for Free CC Processing virtual terminal and merchant account payment gatewayany business that has a Website on the Internet. Apply Now!

It is the most powerful and flexible method of credit card processing available anywhere. It enables both automated processing for Website orders and manual processing of e-mail, telephone, faxed, mail order, and face-to-face sales.

There is no software to download or install as everything runs on our secure web processing servers.

It also enables your website to automatically process credit card orders securely whenever your customers enter them, 24 hours a day, 7 days a week. Click for Virtual Terminal Demonstration

This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"We were looking for a service with fast response, a professional look, flexibility, easy for the customers to use, and easy for us to maintain. We chose National Merchant Bancard for our baseball glove business and couldn't be more pleased with the service. Setup was quick and easy, and operation has been very smooth with no problems at all. Their system includes many great features not included with many other services and our customers have reported that the ordering process has been very satisfactory. I would recommend National Merchant Bancard to anyone wanting to open an online's a winner!" -- James J., Missouri


Look at Everything you Receive by Signing Up Today  


Apply for a merchant account and business credit card online.


Merchant Account for immediate transaction processing.


A secure, encrypted, SSL (Secure Socket Layer) CC Processing Payment Gateway that will allow you to accept credit card payments in real-time over the internet.


Virtual Terminal for processing off-line credit card orders.


Accept Visa, MasterCard, American Express and Discover credit cards.


All funds wired into the checking account of your choice.


Online reporting and management of all your transactions.


No Application Fee.


No Set Up Fee.


No Paperwork.


No Hassle.


FREE Shopping Cart.


FREE Search Engine Submission.


FREE Online Sales Tracking and Reporting.


FREE Fraud Screening and Protection.


FREE American Express Setup.


FREE Discover Setup.


FREE Electronic Check Acceptance software


FREE 24/7 Technical Support.


FREE Instant Online Approval.


FREE Retail Credit Card Terminal with Printer.


FREE Re-Programming if you already have a Retail Terminal


FREE Real Time Online Payment Gateway Software.


Incredibly Low Merchant Account Rates



This is a Limited Time Only Special Merchant Account Offer:


Apply Now!


"I appreciate your no-nonsense approach. This industry has been waiting for an offer like this. You have earned my vote."-- Eric B., Georgia


This is Important: No Lengthy Contract Term


Almost all merchant services providers have lengthy contract terms from one to three years which could cost your company over $1,000 in fees and penalties. Be advised that these companies can damage your credit and place you in collection proceedings if you refuse to pay their fees and penalties.




We offer all Merchants the Lowest Rates, No Setup Fees, and a FREE Credit Card Processing Terminal.


With Our Program, You Always Get the Best Rates Guaranteed.


Apply Now!



"I will recommend your company to all of my fellow eBayers" -- Tye H., Ohio


To Get Started you must be the Principal Owner of the
Business and have the following information:

Business located within the United States
Federal Tax ID# (for corporations only)
Your Social Security Number
US Checking Account
You must be at least 18 years of age

Our Secure Online Application Takes Only a
Few Minutes To Complete.


After you have completed the online application, you will be instantly notified by email regarding the status of your merchant account.


** By Federal Law, All Information Provided Will Remain Confidential **

Apply Now!

"I can't begin to tell you how very pleased I was when I found your merchant account program with the free terminal and free setup and everything else you offer. You have saved me a lot of time and money and I always recommend your program to anyone who is serious about and plans on staying in business and doing more sales volume and making more money. I mean after all that is the purpose of being in business to begin with, unless you are not for profit but then you still need to accept credit cards anyways, right? There is no doubt that accepting credit cards has significantly boosted my bottom line and I thank you for that. OK, THANKS AGAIN!" -- Greg W., Florida


This is a Limited Time Only Special Merchant Account Offer:

Apply Now!

What are You Waiting for to Accept Credit Cards for Business?

FREE Business Credit Card Offers with Rewards and 0% APR Balance Transfers

Get your free credit card terminal and start processing credit card payments today. Your sales will automatically increase in volume.

We have seen it happen time and time again.

It's FREE to apply and FREE to start accepting credit cards for businesses and you get your choice of a FREE credit card terminal.

You will benefit from no monetary outlay to apply for business credit card processing unlike most merchants who pay several hundreds of dollars for a terminal and application fees.

There is no extremely long term merchant account contract unlike most all other companies.

You will benefit from guaranteed low merchant account rates and the overall efficiency of accepting credit card payments for your products and services.

You will enjoy 24/7 award winning customer service and support, and access to the latest business credit card application processing technology.

We have seen sales increase by as much as 400% when merchants start accepting credit cards and that puts more money in your pocket just for having your own merchant account.



Apply Now!

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Merchant Account Fraud Protection

If you are a business owner and want to have a merchant account, you will have to find the merchant service provider that can offer you the latest merchant account fraud protection. In today’s world you don’t immediately know the customer ordering through your website nor if the credit card used by that customer is genuine. You also don’t know the particulars of the customer and you will have to ensure that the issuing authorities verify the credit card prior to the actual transaction taking place.

On the other hand in this fast moving world, customers purchase everything online from a kitchen sink to office equipment, from batteries to custom clothing and anything and everything else delivered right to their doorstep. The customer places the order at the concerned website and after paying the amount using his credit card receives the purchased material delivered directly from the retailer, manufacturer, or many times by   drop shipper. The customer would like to ensure that the data and information submitted at your website is secure and remains in confidential. So the new merchant account fraud protection method is not only beneficial for you as a merchant but it is also beneficial for your customers.

Most modern e-commerce websites accept online credit card payments and the transactions are increasingly verified by Cardholder Verification Value or CVV2. Whenever a customer places an order at your website using his or her credit card, the three number CVV2 helps to ensure that the physical card is in the cardholder’s possession while shopping online or by phone, helping to prevent unauthorized or fraudulent use.

Another fraud protection method for customers and merchants is setting a Personal Identification Number (PIN) which protects your existing credit card with a password you create, thus giving you assurance that only you can use your Visa card online. The Personal Identification Number (PIN) is similar to a password or PIN of an ATM card. Once your online business shopping cart software is integrated, a PIN number is asked from the customer during the transaction and the PIN number supplied by the customer is immediately forwarded for authorization. The credit card issuer verifies the PIN and confirms that the cardholder is the real owner of the card and the transaction is completed.

The advantages of this form of merchant account fraud protection are its simplicity, ease of use, low implementation cost, reduces the fraudulent credit card transaction and it also helps in reducing charge back volumes. For implementation of this merchant account fraud protection method, no additional hardware or software is required. It carries out the verification in real-time and if the card issuer does not verify the identity, the transaction is terminated.  This helps in reducing the cost of business and reduces the overall cost of fraud.

This merchant account fraud protection system is unique as it verifies the password or PIN supplied by the credit card issuing agency in real-time. The new merchant account fraud protection methods saves millions of dollars for consumers and merchants alike, and is also very convenient and easy protection for all involved transaction entities.

The CC Processing Fraud Detection Suite (FDS) is a set of customizable, rules-based filters and tools that identify, manage and prevent suspicious and potentially costly fraudulent transactions. You can customize FDS filters and tools to match your business needs and control how suspicious transactions are handled, including the ability to approve, decline or hold transactions for manual review.

Credit card fraud exposes Web merchants to potentially significant and ongoing costs. Here's how Fraud Detection Suite can help:

Reduce Costs - Minimize and prevent authorization and chargeback fees as well as possible inventory loss resulting from fraudulent transactions.

Protect Profits - Maximize legitimate transactions, rather than refusing business due to a fear of potential fraud.

Maximize Flexibility - Customize filter settings according to your unique business needs.
Improve Intelligence - Restrict transaction activity from specific Internet Protocol (IP) addresses using powerful IP tools.

Easy to use - A setup wizard guides you through the configuration process.
FDS includes multiple filters and tools that work together to evaluate transactions for indicators of fraud. Their combined logic provides a powerful and highly effective defense against fraudulent transactions.

Amount Filter - Set lower and upper transaction amount thresholds to restrict high-risk transactions often used to test the validity of credit card numbers.

Velocity Filter - Limit the total number of transactions received per hour, preventing high-volume attacks common with fraudulent transactions.

Shipping-Billing Mismatch Filter - Identify high-risk transactions with different shipping and billing addresses, potentially indicating purchases made using a stolen credit card.
Transaction IP Velocity Filter - Isolate suspicious activity from a single source by identifying excessive transactions received from the same IP address.

Suspicious Transaction Filter - Reviews highly suspicious transactions using proprietary criteria identified by CC Processing ’s dedicated Fraud Management Team.

Authorized AIM IP Addresses - Allows merchant submitting Advanced Integration Method (AIM) transactions to designate specific server IP addresses that are authorized to submit transactions.

IP Address Blocking - Block transactions from IP addresses known to be used for fraudulent activity.


The latest merchant account fraud protection techniques are useful for all online business storeowners. It helps in real-time verification of cardholders by the issuing authorities and thus reduces total cost of fraud and ultimately the overall cost of doing business.



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Merchant Account Fraud Protection Success Stories


"We were looking for a service that was easy for our customers to use and easy for us to maintain. We chose SunVirtual's Merchant Account for our business and couldn't be more pleased with the service. Your setup was quick and easy, and the entire operation was very smooth with no problems at all. I would recommend National Merchant Bancard's Merchant Account Service to anyone wanting to accept credit cards for their business. Your company is an A+ in my book."

-- Veronica Braddy, African American Roots, Inc.


"I'm very impressed with how easy it was to get set up to accept credit cards with your company. I called your company and spoke with Sean. Other than the fact it was free and only took me 5 minutes to apply, Sean was extremely nice, knowledgeable and really cared about helping find the best solution for our company. Thanks for having a staff that actually cares."

-- Liran Haiman, Moving Waterfall Pictures



Click Here to Apply Now


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National Merchant Bancard is a registered MSP/ISO of HSBC Bank USA, National Association, Buffalo, NY.
American Express® and Discover Network® require separate approval.
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