TOTAL MERCHANT SERVICES PROGRAM
  Discount Rate $ Per Transaction
Internet, Mail/Phone Order (MO/TO) 2.4% $0.35
Monthly Statement Fee $10
Monthly Internet Payment
Gateway Fee		 $15*
*Gateway Fee includes secure, online, real-time credit card processing through Authorize.Net,  VeriSign Payflow  Link, or Plug N Play. It applies to merchants processing transactions through one of these payment gateways.
VeriSign Payflow Pro gateway is $25 per month.

We have two types of approval guidelines:

  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.
  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
    Please note that there are certain types of businesses that can not get approved. You can check the TMS Prohibited Merchant List below.

AUTO-APPROVAL GUIDELINES
  Description for TMS Auto-Approval
Internet-Based
  • 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

TMS Prohibited Merchant List
  • Adult Entertainment/Materials
  • Airports
  • Attorneys/Bankruptcy
  • Auto Dealers (used cars)
  • Buying/Shopping Club
  • Business Opportunity
  • Carpeting (custom)
  • Check Cashing Services
  • Collection Agencies/
    Debt Collection
  • Credit Restoration And/Or
    Repair Services
  • Cruise Lines
  • Direct Outbound Telemarketing
  • Dating Services
  • Furniture (custom)
  • Future Service Liability
    Greater Than One Year
  • Hair Loss Products
  • Horoscope & Fortune Teller Services
  • Investment Opportunity
  • Membership Business (longer than one year)
  • Mortgage Services
  • MLM Sign Up Fees/Business Opportunity
  • Outbound Telemarketing
  • Pornographic Materials
  • Products/Services With Unreasonable Guarantees
  • Racing, Car, Horse, Dog
  • Time Share Rentals
  • Travel Agencies (selling travel/tour packages)
  • Water Purifiers
  • Window Treatments (custom)
  • Wall Covering (custom)




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Total Merchant Services (TMS) is a Member Service Provider for: HSBC Bank, U.S.A.