• Rates as Low as 0.49%†
  • Fast Approval Process
  • Zero Out-Of-Pocket
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Frequently Asked Questions (FAQ)

What is a merchant account?
A merchant account is a relationship between a retailer and a merchant bank. This allows merchants to accept credit card and debit card payments from customers.

How do I apply for a merchant account?
Click here to apply for a LEADERS Merchant Account.

When do credit card transactions get funded?
In most cases, your transactions are deposited into your checking account within two business days after you close your batches.

If I have bad credit or no credit, can I be approved for a merchant account?
LEADERS has one of the highest approval rates in the industry. We do what we can to get you approved no matter what your credit or business type (excluding prohibited merchant types).

What is an internet merchant?
An internet merchant is a term used for merchants who conduct business on the Internet.

What is a shopping cart?
A method of collecting the items chosen by a consumer for purchase from an online catalog.

Do I need a shopping cart to be an internet merchant?
No. A virtual terminal will work just as well. However, merchants that have a large number of products may find it easier to use a shopping cart.

What if I need help with my merchant account?
Leaders Merchant Services Customer Service representatives are available 24/7/365, toll free at (800) 876-9843 .

If I buy a terminal from LEADERS, do I have to process with LEADERS Merchant Services?
No, you can process with almost any processor.

What is your privacy policy?
A privacy policy states what information may or may not be released to outside sources. To view LEADERS' Privacy Policy click here.

What kind of training is required for using a credit card terminal?
A Technical Services Department representative will train merchants to use terminals supplied by LEADERS. Also, a toll-free customer service number is provided and representatives are available 24/7/365.

What types of merchants does Leaders Merchant Services approve?
All types of merchants meeting our underwriting standards.

What is the time frame for being able to start accepting credit cards?
Once your merchant account is approved, you will be able to accept cards upon receipt of your terminal or e-commerce password. This usually occurs within 3-5 business days of your account approval.

How do I determine what terminal, equipment and/or software is best for my business?
Leaders Merchant Services will work with you to determine what best fits your needs. A sales representative will discuss with you your options and the available programs for your business needs. We have programs and equipment for virtually all businesses including: Internet/E-Commerce - Retail - Mail Order/Telephone Order (MOTO) - Restaurant - Mobile/Wireless - Business to Business, and more.

 
 
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  Business Cash Advances  
 
  Not a Loan - No Set Term
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  No Upfront Fees
  No Fixed Payments
  No Collateral or Equity
  Easy Payback Process
  All Credit Accepted
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Merchant Account Services
affiliate account application
  Merchant Service Provider Merchant Account Provider Retail Credit Card Terminals Wireless Credit Card Terminals MOTO Credit Card Terminal plus Printer
  IP/Ethernet Capable Credit Card Terminal Pinpads Check Reader Ecommerce/Virtual Terminal Retail Merchant Accounts Internet Merchant Accounts  
      MOTO Merchant Accounts   Business Cash Advances   Merchant Services   Credit Card Processing
   
  LEADERS is a registered ISO/MSP of
Wells Fargo Bank, N.A., Walnut Creek, CA		  
American Express, Check Guarantee, and Cash Advances require separate approval.
© 2007 - 2012 Leaders Merchant Services, LLC
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** 30-Day Trial Terms and Conditions:  If for any reason you are not satisfied with our services during the first 30 days following your application date, you may cancel your account and simply pay for the services provided.   You will not incur a termination fee.   We will even refund the cost of any equipment you may have purchased2 from us3.
 
2 This offer does not apply to leased equipment.
 
3 We will refund the purchase price (and sales tax if applicable) upon receipt of the returned equipment.  Equipment must be returned pre-paid by the merchant and must be in the same condition and packaging it was in when sent to you.   Costs charged to you for Shipping and Handling of the equipment will not be refunded.

† Does not apply to non-regulated debit cards.