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Utilities Merchant Account

Reduce Your Credit Card Processing Fees up to 70%

Visa and MasterCard offer substantially reduced credit card processing rates to businesses and organizations that provide waste management or utility services.

These special reduced rates are called utility interchange rates. For your business to receive them, you must set up a Utilities merchant account.

Setting up a utilities merchant account can reduce your credit card processing costs by up to 70%, which could save your business thousands of dollars in fees annually.

These Services Qualify for a Utilities Merchant Account

  • Waste Disposal and Waste Management
  • 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 Rate Quote!

Utility Interchange Rates

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

The utility interchange rates listed in the table below apply to ALL payment types, including swiped, key-entered, and online.

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. But with a utility merchant account, 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 cards 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 provides your business with the highest level of service and support by consolidating all of your credit card processing under one roof.

We directly handle your AMEX billing, funding, and customer support in-house, allowing us to become your single point of contact for all credit card processing 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 The Higher Fees & Start Saving Money

Contact us today for a no-obligation Free Rate Quote. Send us a copy of your recent credit card processing statement, and we will complete a detailed rate quote showing how much money your business will save in processing fees with a Utilities merchant account.

Your rate quote will be completed and sent back to you within 24 hours.

Contact us to learn more