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Utilities Merchant Account

Reduce Your Credit Card Processing Fees by up to 70%

Visa, MasterCard, and Discover offer substantially reduced credit card processing rates to businesses that provide waste management or utility services. These special rates are called the utility interchange rates, and to receive them your business must be setup with a Utilities merchant account.

Setting up a Utilities merchant account could reduce your monthly credit card processing fees by up to 60% - 70%, which could save your business thousands of dollars annually.

These Services Qualify for a Utilities Merchant Account

  • Waste Disposal & Waste Management Services
  • Residential Trash Collection
  • Container Rentals
  • Roll-Off Services
  • Water, Gas or Electricity Generation or Distribution
  • Sanitary Utility Services

If your business offers ANY of these services, Contact Us for a Free quote!

Utility Interchange Rates

The most important thing to know about a Utilities merchant account is that you do not pay a percentage discount rate on the credit and debit card payments you process. Instead, you only pay a flat, per transaction fee.

These transaction fees are the utility interchange rates, and they are listed in the table below. The utility interchange rates apply to swiped, keyed-in and online payments.

Card Type Visa MasterCard Discover
Debit $0.65 $0.45 $0.75
Credit $0.75 $0.65 $0.75
Rewards $0.75 $0.65 $0.75
Commercial $1.50 $1.50 $1.50

Example: If your business processes a Visa consumer credit card payment in the amount of $500.00, you will only pay a $0.75 transaction fee on that sale.

Typically you would pay a discount rate of between 1.5% to 2.5% plus a transaction fee. With a Utilities merchant account, there is NO percentage discount rate; you only pay a transaction fee.

Additional Payment Solutions

In addition to credit card processing, we also provide the following payment solutions:

  • IVR (automated phone payments)
  • Electronic Check Conversion (ECC)
  • Check Guarantee & Verification
  • Back Office Conversion (BOC)

We can provide your business with an online payment gateway that will allow you to accept both credit card and check payments directly through your website. If this is something you need, let us know, and we will provide you with more details.

American Express OptBlue™

AMEX OptBlue allows us to provide your business with the highest level of service and support by consolidating all of your credit card processing under one roof.

We will handle your AMEX billing, funding, and customer support in-house, allowing us to become your single point of contact for all credit card processing related matters.

We will reduce your American Express discount rates by a minimum of .25% — guaranteed!

AMEX OptBlue Highlights:

  • Lower Discount Rates
  • Lower Transaction Fees
  • No Monthly Statement Fee
  • Next Day Funding On Deposits
  • Consolidated Monthly Reporting

Value-Added Benefits That We Offer for Free

Trash Your Higher Fees and Start Saving Money

Contact us today for a no-obligation Free Rate Quote. All we need from you is one recent credit card processing statement to review and compare. We will send you back a detailed rate quote showing your projected monthly savings within 24 hours. Just follow the link below!

Contact us to learn more