What Are Merchant Accounts for Small Businesses?
Consumers today expect businesses to accept credit and debit cards, which they rely on for day-to-day purchases. That means you need a merchant account—whether you operate a small local business or an ecommerce store.
A merchant account is a business bank account that allows you to accept and process electronic payments from your customers in person or online. With a merchant account you can:
- Accept payments easily and securely
- Avoid bad checks and counterfeit currency
- Increase and track sales
- Expand your brick-and-mortar business to online commerce
- Encourage repeat business through recurring billing
Contact Adept Payments today to learn more about our online merchant accounts for small businesses.
Merchant Services for Small Businesses
Small business merchant accounts are similar to accounts for large enterprises and corporations. The main difference is that merchant accounts for small businesses are often issued through local companies that offer more personalized service, like Adept Payments.
We offer painless payment processing solutions delivered with personalized support—and a lowest rate guarantee.
Credit Card Processing
At Adept Payments, we know that accepting credit cards at your place of business is crucial to your company’s success. With over 100 million households having more than one credit card, more than ever, consumers are using credit cards as their preferred method of payment. With Reward Points, Cash Back offers and Apple Pay, convenience for your customer at the point of sale can substantially increase your sales and revenue.
Adept Payments empowers merchants by providing payment options that allow acceptance of all forms of electronic transactions. No matter how your business operates, we have the right solution and service to capture your desired customer, at a fraction of the cost.
POS / Retail Swipe Machines
We offer a comprehensive selection of proven processing solutions, payment gateways and in-house credit card payment systems to meet your unique needs—delivered with unparalleled customer service and commitment to your business.
Point of sale (POS) transaction processing systems are constantly evolving, and our expert business consultants have evaluated and hand-picked the most robust POS systems on the market today. Whether you’re looking for a basic point of sale solution, or a comprehensive inventory management system, Adept Payments delivers. With industry-leading, state-of-the-art systems like Clover and NCR Silver, we can match the right system and support for your specific business needs.
Call today for a free business evaluation and POS system recommendation!
Adept Payments provides the most advanced mobile processing solutions in the industry. Accept payments anywhere using your iOS or Android mobile device.
- Process payments anywhere
- Sales data right at your fingerprints
- Track sales, inventory, hours and more
- Engage customers with integrated loyalty and email marketing
Call one of our Mobile Payment Solution experts, or sign up online, and get approved today!
B2B Payment Processing Solutions
Electronic payments are a top pain point for many B2B businesses. B2B payments are simply more complex than other transaction types. Multiple banks and platforms are often involved, and invoices and long payment terms can make it challenging to get payments on time.
B2B organizations need better payment processing solutions. Adept Payments will conduct a full analysis of your current processes and identify ways to reduce your costs and increase security.
Measures like tokenization and two-factor authentication can help reduce fraud, while Level 2 & 3 processing and ACH payment solutions can help keep costs under control.
Our specialists will find a payment solution that helps you streamline your B2B payment procedures.
High-Risk Payment Gateway
A high-risk merchant account is a payment processing account for merchants considered higher risk. A business may be categorized this way for several reasons, including the types of products or services it sells or because it has a high rate of chargebacks.
Pawn shops, adult dating sites, CBD shops, and even some ecommerce stores are all examples of high-risk merchants.
Businesses operating in these and other industries need custom credit card processing solutions, and Adept delivers. We’ve gotten clients pre-approved for high-risk merchant accounts in as little as one business day. We’re experts in the high-risk merchant account space, and we’ll find affordable payment processing solutions for your business. Contact us to learn more.
CNP & MO/TO Transactions
Card not present (CNP), mail order (MO), and telephone order (TO) payments typically bring a high rate of chargebacks. It’s why direct marketing response businesses often have trouble finding a permanent solution for virtual terminal (VT) payments.
Adept Payments offers payment processing solutions for direct response merchants, whether you market via television infomercials, print ads, catalog, or internet marketing campaigns. Contact us today to learn more.
Traditional payment cards store data in magnetic strips, which can be copied and counterfeited. EMV cards use computer chips to create a unique, one-time code for each transaction. They provide enhanced fraud protection, card holder verification, and transaction authorization.
Adept’s EMV Level 1 & 2-compliant readers accept both chip and magnetic stripe cards and are compatible with iPhone, iPad, Android devices, and Apple Pay.
Why Make the Switch to EMV POS?
The Payment Networks’ Liability Shift stipulates that all businesses need to upgrade their point of sale (POS) systems to accommodate EMV chip cards and EMV compliance. This rule took effect in 2015, but American businesses have been slow to make the switch.
Yet, the U.S. is number one in credit card fraud cases, with $9.4 billion in losses in 2018 alone. This figure is only expected to rise, especially if the U.S. does not make significant progress with chip card adoption.
Currently, the U.S. government is content to let the financial industry set its own course—but that hands-off approach may not last long.
If your business is not EMV compliant and you choose to accept transactions made with EMV-compliant cards, you assume liability for any and all transactions that are found to be fraudulent.
Now is the time to make the switch to EMV POS equipment. Adept Payments will help you make the transition smoothly and seamlessly. Contact us today to learn more.
Cash Discount Program
If you’re like most businesses, you lose 2-4% in processing fees with every credit card transaction. Keep your money and stop paying excessive transaction fees.
Our cash discount program can save you thousands of dollars in transaction fees. It works by passing the cost of acceptance onto customers who choose to pay with a credit card or debit card. A .60-cent customer service charge will be applied to all store sales.
When you sign up for our program, we’ll provide you with a card reader that processes all card types, including mobile wallets and EMV chips, along with signage, training, and support materials. LEARN MORE.
Gift & Loyalty Programs
Programs that used to be reserved only for big corporate entities are now available for your business. We will provide you with a personalized, branded, gift, and loyalty program, which will help you build your brand and encourage return visits. Contact us for full details.
Why You Should Choose Adept Payments
Adept Payments offers the best merchant services for small businesses. Here’s what you can expect when you work with our dedicated team:
- Transparent Pricing – Our pricing structure is simple and straightforward. With Adept there are no hidden costs of fees, no contracts, and no termination fees.
- Flexibility – We offer payment processing solutions and customized equipment for businesses of every scope and size, from mobile payment processing to POS systems to high-risk payment gateways.
- Personalized Service – Our company was founded on the principles of honesty, transparency, and service excellence. We’re more than a credit card processing company. We’re your partner.