Home | Company Info | What's New | Services | Rates & Fees | FAQ | Contact Us

Check out our Free          Terminal Placement Program! Learn more
 

New!! FREE Placement
Wireless Terminal!!
 Learn more
 
Low-cost: efax, toll-free numbers, voicemail and so much more!
 

Unsecured Small Business Loans - Personal Loans
Unsecured business and personal loans!
Learn more


 

 

 

 

 
FREE Terminal Program | Approval Guidelines | Apply Now

 

If you meet our liberal approval guidelines, your application can be approved quickly and simply. In most cases, we can tell you in minutes if your application will be approved, and can complete the entire process in a matter of days.

We have two types of approval guidelines:
 
Type 1: TMS Auto-Approval
If you meet our Auto-Approval Guidelines noted below, it means that you will be approved regardless of the owner's personal credit history. The only exceptions are for merchants in a current bankruptcy that has not been discharged for a minimum of six months, for merchants on Visa/MC's CTMF File, and for merchant applications that have falsified or fictitious information.
 
Type 2: TMS Approval
If you do not meet the Auto-Approval Guidelines, you can still get approved!  Your application will simply need to be supported by any one of the following:
  1. Owner with a good, established personal credit history
  2. Business or personal financial statements or tax returns
  3. Current credit card processing statements
TMS Auto Approval Guidelines
LEVEL 1 (Retail)
Description Description for TMS Auto Approval
  • 90%+ Card Swiped
  • Future Service Liability Less Than 30 Days*
  • Acceptable Type of Business
  • Visa/MC Monthly Volume Less Than $200K
  • Average Ticket Less Than $300
  • Future Service Liability Less Than 30 Days*
  • Acceptable Type Of Business
LEVEL 2 (Retail/Service/Trade Show)
Description Description for TMS Auto Approval
  • Less Than 90% Card Swiped
  • Future Service Liability Less Than 30 Days*
  • Acceptable Type of Business
  • Visa/MC Monthly Volume Less Than $10K
  • Average Ticket Less Than $300
  • Future Service Liability Less Than 30 Days*
  • Acceptable Type Of Business

* This means that the product is received by the customer or the service has been completed by the merchant within 30 days of charging the customer's credit card.

prohibited businesses
Click here for a listing of businesses that are not eligible for a Total Merchant Services credit card merchant account:

 

Total Merchant Services (TMS) is a Member Service Provider for: HSBC Bank USA, National Association, Buffalo NY