(MPC) Merchant Payment Center

  
Setting up an online merchant account and credit card processing gateway used to be an expensive and laborious endeavor. Rapidsite has teamed up with Mercantec and Paymentech to make it as simple as filling out an online merchant account application. No additional setup fees, no technical integration, and no need to negotiate with other vendors or banks. 

Here are some of the features:

Paymentech Payment Services Merchant Account:                                                         

  • 5 Day funding to merchant's local bank account of their choice

  • 6 Month initial contract, then month-to-month; no cancellation fee                                   

  • Accept Amex and Discover transactions as well as Visa/MasterCard

  • Free Moneta online merchant account reporting software from First Data

Clear Commerce Real Time Payment Gateway:     

  • Real time or offline transaction processing

  • Credits, voids, pre auths, email customers

  • Browser based access to sales reports, batch reports; detailed transactions

  • Query by SKU, time period, order number

  • Configurable fraud parameters

With the Merchant Payment Center, (included in the EC-3 and Win2kEC plans) you can take advantage of this integration, saving both time and money!  See details below:
Merchant Account Fees

Merchant Payment Center

Competition
Application/Setup Fee

$0

$50 - $200
Monthly Fee

$25

$15 - $35
Monthly Statement Fees

$0

$10 - $15
Monthly Minimum

$0

$25-$40
Transaction Fee

$0.35

$0.25-$0.40
Discount Rate

2.50%

2.25% - 4.50%
     
Payment Gateway Service    
Gateway Software Fee

$0

 $200 - $800
Gateway Set-Up Fee

$0

 $250 - $500
Monthly Gateway Access Fee

$0

 $25 - $40
Payment Gateway per transaction fee

$0

 $0.25 - $0.40

How to  apply:  After ordering and provisioning of your EC-1, EC-2,  EC-3  or Win2kEC account inside your control panel, look in the Store Manager for easy access to a Merchant Account Application.  (Note: The MPC module is a optional add-on for EC-1 and EC-2.)  In all cases, you must request the addition of this module via Technical Support to be able to use the MPC module. Once you have made the request to add the MPC, you will also need to send a reply response acknowledging the additional fees associated with the MPC add-on feature, if you are requesting it be added to the EC-1 and EC-2 plan types.

To establish your or your client's Merchant Account, the following information will be needed: 

  • Federal Tax ID or Corporation or Social Security # (for Sole Proprietor)

  • Corporate and DBA Name

  • Local Bank Account routing and account numbers

  • 3 Trade references

  • Average transaction size and monthly volume

  • Personal information on principle: DOB, Social Security number, address, phone

MPC (Merchant Payment Center) Sign-Up Process:

Store Sign-up:

Place your order for a EC-3 account inside your Master Dealer Control Panel. We will install the Mercantec store and the Clear Commerce Module (also sometimes referred to as the Merchant Payment Center, MPC, Bank One module or Paymentech module).

Once you have placed your order for your e-commerce plan type, you will receive an automated activation notice. Inside the emailed instructions you will find the information that you need to log into the store manager and go to the 'Payment Systems' section. This information will lead you to the Merchant Account Application. If the Clear Commerce Module is installed, there will be a button listed, to apply.  

Once you access this site, you will need to follow the step-by-step instructions on setting up your store: http://www.mercantec.com/products/download/sc50.htm  

Merchant Account Application:

The merchant fills out the application and submits it to Bank One*. Note: You CAN NOT fill out the application for the client, questions asked are client specific and this is a requirement by Bank One.

After submission, Bank One* reviews the application. In most cases, the decision is made within 24 hours of submission. If additional review of the application is deemed necessary, the merchant will be notified of a decision within 1 to 3 business days with the approval or denial of the application.

If Bank One* approves the application, the merchant will receive an e-mail confirming approval along with the merchant number. In a separate message, the Merchant Star Response Center will provide the Moneta PIN # and enrollment information.

Merchant will receive a third e-mail from Clear Commerce (ClearLink API) welcoming them.

If the merchant receives an email notifying them that their account has been approved & giving them a 12 digit merchant number, but receives no further emails, they should forward that email to us [support@rapidsite.net] and we will escalate the case to Mercantec.

INTERNATIONAL Credit Card Processing: Clear Commerce can accept International Credit Cards and the SoftCart can be reconfigured to process properly. Process: The PreAuth is done in the Merchant's currency & the PostAuth is done in the currency of the cardholder. Clear Commerce DOES NOT support foreign countries, ONLY US MERCHANTS SELLING TO FOREIGN MARKETS. NOTE: Merchant ID's will be required for each currency.

Any merchant interested in credit card sales from a foreign country, will need to research an alternative for their country. In most cases, the bank would need to be supported by a US financial institution to facilitate processing. Please check with your country's policies on credit card processing, to be sure.

List of Supported Currencies:

  • American Dollar
  • Australian Dollar
  • British Pound Sterling
  • Canadian Dollar
  • Danish Krone
  • Euro
  • Hong Kong Dollar
  • Japanese Yen
  • New Zealand Dollar
  • Norwegian Krone
  • Singapore Dollar
  • South African Rand
  • Swedish Krona
  • Swiss Franc
The euro-zone includes:
  • Austria (Schilling)
  • Belgium (Franc)
  • Finland (Marka)
  • France (Franc)
  • Luxembourg (Franc)
  • Germany (Mark)
  • Greece (Drachma)
  • Ireland (Punt)
  • Italy (Lira)
  • Netherlands (Guilder)
  • Portugal (Escudo)
  • Spain (Peseta)

IMPORTANT UPDATE: 

The MPC (Merchant Payment Center) Payment Gateway is now free from being ”fixed” to Bank One as an E-commerce component. It now bolts onto “other” Merchant accounts as well as Bank One. This gives our Dealers and your customers more options when choosing a Merchant Account Provider.

Benefits:

  • Use an existing MID (Merchant Account ID) or  

  • Apply for a new MID using the same easy MPC application from Paymentech/ClearCommerce.

Automated Gateway Configuration

  • Merchants with an existing MID will be able to enter their MID and Processor information and have the gateway and SoftCart store automatically configured. 
  • Merchants will receive 2 emails notifying them that their SoftCart store is configured and ready to process online credit card transactions.

Rejected Merchant Support

  • Merchants who have been rejected by Paymentech will now be able to use MPC.  
  • After being rejected by Paymentech, the merchant can acquire a MID from another bank (see partial list in the MRL) and then they can re-visit MPC to configure the gateway and online store.

Support for Major processors

  • The upgraded MPC expands SoftCart’s ability to serve virtually any merchant looking to do business online and supports the major MID providers (like CardServices International) and processors. Refer to the MRL for details on the list of supporting providers.

Some of these providers can be found in the MRL-Merchant Service Resource Library. To find the MRL, please go into the Dealer kit, click on category; Plans and prices, Link; MRL-Merchant Resource Library. The providers will be listed underneath the MPC's heading.

For questions about any of these available options, please contact: [support@rapidsite.net]. Questions regarding authorization processes will also need to be directed to Technical Support in ALL cases.