Telephone and mail order businesses are charged a higher discount rate because of the increased risk associated with this type of business transaction. If a card is not present at the time of the sale, the likelihood of fraudulent activity increases. Moreover, delivering products increase the chances that a customer will claim to have never received the product. Heartland Payment Systems has extensive knowledge and experience in this area. Heartland does not do business that way, so there will never be any surprises or secret fees.
All banks charge a transaction fee.
Heartland's transaction fee is never more than 30 cents. CyberCash merchants pay an additional 10 cents per transaction. Heartland, on the other hand, specializes in merchant credit card processing. They are experts in the payments business. Heartland will work hard to get you approved.