Retail Storefront Merchant Account

Fast Checkouts.

Easy to Use Equipment.

Low Processing Rates Merchant Account.

Get A Free Quote

What is a Retail Storefront Merchant Account?

A Retail Merchant Account is designed for businesses who process the majority of their credit cards at their retail storefront. At least 80% of their credit card processing transactions take place in person and their customer’s credit card is swiped through a  credit card machine, POS System or device. If you don’t swipe at least 70% of your transactions then your business would be better suited for a mail/telephone order (MOTO) merchant account.

Lowest Merchant Account Rates

With Retail Rates Starting at .0015% over interchange, you are guaranteed to pay the lowest rates to accept credit cards.

Reliable & Easy to Use Equipment

Reliable credit card machines that is easy to use and learn with outstanding customer service guarantees your checkout line moves fast.


Secure Credit Card Processing

Protect your business and your customers. Payment Transaction Systems offers PCI Compliance, Trans armor  tokenized encryption for authorizations and EMV Chip Card Transactions to protect against fraudulent transactions

Make it EASY for your customers to pay you.

Accept all credit cards with fast funding into your bank account

Frequently Asked Questions

Merchant Account

  • Completed Merchant account application.
  • Voided Check for your checking account

When your account goes through the application process, underwriting will determine if any additional documentation is needed.

Example of documentations that may be requested

  • Business license
  • Utility Bill

Once we receive a completed and signed merchant account application including any requested supporting documents about your business, your merchant account can be set up on average within 3 – 5 business days. Some times faster if needed.

Complete our New Merchant Account Form and a relationship manager will contact you within one business day. If you prefer to talk with one of our  experts, you can call us at 888-748-0861. Our trained experts will listen to how you run your business and offer solutions that fit your business.

Using Automated Clearing House (ACH), We remit funds due for your MasterCard, Visa, Diners Card®/Carte Blanche® and JCB, American Express and Discover transactions to your business bank account within 24 – 48 hours. We deposit the full amount processed.

We accept retail, professional service providers, trade shows, mail order, telephone order, Internet based, and home-based businesses. We do not accept adult-related businesses.

No. We do not process for merchants outside the United States.

You only need a business checking account if your business is set up as a corporation. If it is a sole proprietorship, you may use a personal checking account or a business checking account.

Yes. Payment Transaction Systems offers several online and offline tools to access information about your merchant account. With these tools you can view, download and import account information such as transaction activity, deposits, funding, chargebacks, retrievals and statement information.

New Merchant Account Form

What Our Customers Are Saying

Don’t just take it from us, let our customers do the talking!

“Thank you so much for your help. We were having such a hard time reconciling our transactions. Now everything works great.”

Mark Chambers

Controller, National Car Dealership

“Oh Wow! Thank you. We made a mistake and accidentally billed our customer twice and the speed and service we received in fixing this issued has really made a great impression on us. Plus, you made us look great in front of our customer.”

Allison Winston

Owner, All Security

“I just went over our merchant statements with you and we are on track to save over $6,000 in savings over our last company. You did exactly what you said you would do. Thanks again.”

John Reynolds


Save Time, Frustration & Money

Join and Thrive with PTS

We offer no risk merchant accounts. Cancel anytime without penalty fees. So, joining is risk free.


Get Started Today

Get A Custom Quote

Save Money on your merchant account

Once you complete the form below, a Payment Transaction Systems representative will contact you shortly to discuss your individual business requirements.
Get A Free Merchant Account Quote

You have Successfully Subscribed!

Share This