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 Who's who?

This website is owned and operated by Hosting Connecticut, LLC based in Windsor, CT.  Hosting...

 What is a merchant account, and do I need one?

A merchant account is set up with a financial institution to allow you to accept credit card...

 Do you offer merchant accounts to businesses outside the United States?

Yes! We can now set up merchant accounts in Canada. Please fill out our quick form for more...

 How do I accept credit cards online?

You have two options for online processing.  One is called "real-time", where your customers...

 I don't have a website. What if I want to process sales offline?

You can use a terminal to "swipe" credit card sales as they happen (card present sales) in your...

 How long does it take to get set up?

From the time we receive your application, it generally takes 1 - 3 days to receive your...

 What if I don't get approved?

We have a 98% approval rate, so it's very unlikely that you wouldn't get approved.  We...

 Are there any businesses that you do not allow to apply?

Yes. Businesses outside the United States and accounts where a principal business owner has an...

 How long does it take to receive our funds once an order is processed?

Funds are deposited directly into your checking account, within 2-4 days, depending on the time...

 Why are there different rates for different accounts?

The rates for merchant accounts vary based on the amount of risk involved in the...

 What is a Chargeback?

A chargeback occurs when a customer disputes a charge on their statement by contacting the...

 Please explain the monthly minimum?

The monthly minimum for your merchant account is derived from your processing fees.  The...

 What is the difference between qualified, mid-qual, and non-qual transactions?

Qualified discount rate is applied for all transactions meeting the "normal" operating...

 What is the statement fee?

The statement fee is charged by the bank each month to process and send you your...

 What is the gateway fee?

The gateway fee is charged by the real-time processor you have chosen for your account if you...

 What is the AVS fee?

The AVS fee is charged by the processor to allow you to use the Address Verification System on...

 What is the Overlimit fee?

When you apply for your merchant account, you indicate how much monthly volume you expect to...

 How do I get set up for Discover Card and American Express?

When you sign up for your merchant account with us, you are signing up to accept MasterCard,...

 Do I need a merchant account?

Do I Need a Merchant Account? That's a good question. Most serious businesses...

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