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Choose a Credit Card Processor That Can Handle Scale

Business owners evaluating different credit card processing solutions should carefully evaluate the sales volume that each solution can handle. In many cases, merchants are limited to a certain amount per month to prevent problems from occurring. Unfortunately, these merchant accounts are often limited to amounts as low as $5,000 per month. During a month of good sales, this could result in not being able to accept payment after a certain point in time.

1. Compare Limits

Businesses that are potentially sensitive to volatile monthly sales should be careful to find a provider that offers sales volume well in excess of monthly averages. Without this, businesses risk a catastrophic loss of revenue due to not being able to accept payment due to arbitrary limits. Therefore, businesses exposed to these risks should proceed carefully when attempting to pick the right merchant accounts.

2. Remember Other Criteria

While volume is certainly important, it still should not be the sole criterion by which a business decides on. Businesses should still carefully consider the terms of the agreement and avoid providers that do not fit their needs. Even if the provider is willing to offer a greater amount of monthly sales volume, the terms and conditions are still the most important factor. Weigh the costs associated with the increase in sales volume carefully before proceeding.

3. Talk to the Company

In most cases, a credit card processing company is willing to make exceptions in order to acquire a new customer. Businesses should take advantage of this by developing a close relationship with their account representative in order to develop a more effective partnership. Once this relationship has been nurtured, businesses can often convince a merchant account provider that they are worthy of higher monthly revenue limits. Without this, businesses are at risk of losing critical revenue unnecessarily.

4. Consider Collateral

Even if the credit card processing company is unwilling to bring up the revenue limit, in many cases they will reconsider if collateral is put forward. Since these companies rely on just a small portion of the revenue in order to break even, they are often quite wary of what they view as high-risk accounts. As with all debts, their risk can be greatly reduced by collateralizing the debt. Businesses can do this either by putting cash forward, offering valuable assets as collateral, or promising to be held liable for certain damages. By doing this, businesses are often able to increase their monthly revenue amounts permitted by their account provider.



It took me a while to decide who I wanted to settle with to handle all of my credit card transactions because every company wants to make it sound like they're offering you the best rates. was able compare and beat all of the other offers I received. They were also able to provide me the fairest price on my EMV-compliant terminal. My sales representative and the support team were there to assist every step of the way. Ultimately, I'm looking forward to a long term relationship with this company.

Roland Tran from the Hong Kong Kitchen

It is a pleasure dealing with these folks. Their pricing is fair, their statements are understandable and their employees are knowledgeable and friendly.

John MacMillian from the Great Lakes Baking Company

The service was very professional, my sales person (Steven B.) was very well versed in the product and most helpful in getting our company set up to accept credit cards via my cell phone. Their rates are some of the lowest on the market and their service is unparalleled. I will recommend them to anyone requiring a credit card processing service.

Michael Harper from Deluxe Auto Body

Jonathan C. is wonderful to work with. He is very helpful, accommodating and resolves any issue quickly. It is hard these days to find someone who gives great customer service, but I can say, Jonathan is the best! I would not hesitate to recommend him to any business owner and to assist you in helping to grow your business.

Linda Garner from Regali Da Forno

I called indecisive about getting a device, but speaking to your Sales Consultant completely settled me. He was very professional, knowledgeable and patiently walked me through the process. He always responded to my voicemails and answered all my questions. After I received my merchandise, he called following up to ensure that I had received it. Customer service I would say is 5 stars. Stellar! Thanks Credit Card Processing, I will definitely recommend you.

Sarah Morgan from Vision International Ministries
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