How Merchants Benefit from Using Patriots Payment Processing

Contact a Patriots representative at (888) 681-9525 for information on how to apply for a merchant account.

Processing time is approximately 24 hours or less after all necessary application information is received. Once approved, we will notify you immediately and deliver your terminal equipment or software.

We accept most retail, professional, trade show, mail order, telephone order, internet-based, and home-based businesses. We don’t accept adult related businesses.

Requirements vary according to the level of risk associated with your business. A business license is one type of item that satisfies the premise inspection requirement, but if you have different acceptable documentation item for this requirement, that would suffice. Speak to a Patriots representative for more information.

Yes, if you are a corporation. If you are a sole proprietorship, you may use either your business or personal checking account.

Technically, your personal credit score does not affect your merchant account rates, but if you have a low credit score there is the possibility that you may not be eligible.

You will be set up to accept Mastercard® Visa® and bank ATM debit cards. You can apply for American Express® and Discover® at the same time. 

No, you do not.

Yes, we can accept temporary websites, even if they are not live to the public. Your site can be very basic, as long as it stipulates what you are selling and for how much.

Patriots offers processing solutions that lets businesses of any size accept payments with a tablet or smartphone. You can consolidate all of your payment acceptance — cash, checks, credit and debit — in one system that processes transactions through a single gateway, giving you real-time access to all of your payments from any location – in-store, online, or mobile. Inventory information can be added to the system directly at the point-of-sale, and you control which of your employees use the system and what functions are available to them. Updates and upgrades are self-directed from our easy application, and require no special technician or IT assistance.

In a card payment transaction, Patriots receives authorization and passes it along to you, so that you can complete the sale and issue a receipt to the cardholder. The card issuer bills the cardholder's account and pays Patriots, who deposits the transaction proceeds into your bank account, typically within two days, though this may take a bit longer for high risk businesses.

Yes! Our 24/7 U.S.-based customer support team is always available. You will have live, toll-free merchant assistance by calling (888) 681-9525

Yes. Every month, by mail and/or email, you will receive a statement that details all your payment information for the month, including deposits into your account, your total sales volume, and the charges for the month. You can also access this information online for real-time, up-to-date information.

The discount rate is your fee for all the processing services that enable you to accept bankcards as payment. Our discount rates are extremely competitive.