Which Class Do you Fit in?

Standard Merchants (Retail, Restaurant/Hotel)
Non-Standard Merchants (Internet/Mail Order)

Standard Merchants:
Retail, Restaurant, Hotel, or Service where more than 70% of the transactions are swiped through a terminal.

* Product or service is fulfilled at point of sale
* Merchant is not listed on the MATCH terminated merchant file
* Average Ticket Size is $250 or less
* Principals may not have open bankruptcies

Submission Criteria: $0-$29,999 AMV * Signed, complete *Application *Application fee *Voided check *Site Inspection (if >5K AMV) $30,000-$74,999 AMV *Signed, complete Application *Application fee *Voided check *Site Inspection *Photographs *Copy of driver's license (or ID) *Marketing material *Previous bankcard statements *If Partnership: Partnership Agreement *If Non-profit: IRS proof of NP status *If Corporation: Articles of Incorporation

$75,000+ AMV *Signed, complete *Application *Application fee *Voided check * Inspection *Photographs *Copy of driver's license (or ID) *Marketing material *Previous bankcard statements *If Partnership: Partnership Agreement *If Non-profit: IRS proof of NP status *If Corporation: Articles of Incorporation *Current business financials *2 years personal tax returns *2 years corporate tax returns

• Standard merchants w/AVT greater than $250
• Standard merchants keying more than 30% of transactions
  
• Following merchants w/transactions at least 70% swiped:

  a.  Auction houses b. Bail Bond issuers c. Computers (hard drive/ keyboard/monitor combinations)

  d .Seminars (if paid for at the time of the seminar) e. Swap meet merchants f. Travel agencies

  
  
• Following merchants are Non-Standard w/ AVT at or below $250:

  a. Barter Associations b. Beauty Supplies c. Concert hall or theater d. Discount-coupon book sales e. Door-to-door sales f.  Gambling advice

  g. Insurance Policies h. Long Distance carrier service I.  Multi-level marketing j. Telephone message services k. Virtual auction houses L. Water purification services

  
  
• Following merchants are Non-Standard w/ AVT at or below $500:

  a. Art Dealers b. Computer Hardware/ Accessories (printers, monitors, scanners, etc.) c. Contingent liability (fulfilled within 90 days)

  d. Hair growing products e. House party plans (e.g., Tupperware)

  
  
• Following merchants are Non-Standard w/ AVT at or below $750:

  a. Auto sales (used autos) b. Furniture Store

  c. Jewelry Stores d. Vacation rentals (no timeshare sales or other cases where contingent liability is a factor)