Review
Humboldt Merchant Services offers top quality in online merchant services with fast approvals, high approval rates, and competitive prices. They can get you approved as quickly as the same day with their "Express" application (for businesses with a monthly revenue up to $5,000 and average ticket up to $500), and as quickly as 48 hours with their standard application for other businesses. Humboldt offers a 98% approval rate, and specializes in servicing small businesses (with monthly revenues from $2500-$25,000 per month) which many banks overlook. They also offer specialized accounts for "no credit" or "bad credit" merchants. Discount rates for internet and mo/to businesses start at 2.15%; rates start at 1.60% for retail businesses with at least 70% swiped transactions. They offer 14 different Gateways, including Authorize.net and USA ePay, a full range of card-swipe terminals for retail merchants, several payment processing software options, and a variety of other specialized products. They offer expertise in retail, restaurant, motel/hotel, internet busienss, mail order/telephone order, new businesses, and home based businesses. Now in their 8th year online, Humboldt Merchant Services provides a direct relationship between the merchant and the bank (that means there's no underwriter or middleman), and will work with you directly to set up your account and answer any questions you may have. Check application details for information on restricted and prohibited merchants. Must be 18 years old and a US resident to apply.