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Newtek Merchant Our merchant solution enables businesses of all sizes to accept and process credit card payments online. There are no application fees and no commitment requirements whatsoever.
Startup Costs & Ongoing Fees
USA ePay Merchantlite Merchant*
Application Fee None None
Cancellation Fee None None
Yearly Fee None None
Setup Fee (one time) None $49
Statement Fee (monthly)** $2.95 $5
Gateway Fee (monthly) $12.50 $12.50
Per Transaction Fee† $0.25 $0.21
Mid Qualified Discount Rate‡ 2.85% 2.29%
Monthly Minimum $0.00 $15
* Also available with Authorize.Net. Different fees & rates may apply.
** May vary on risk level
† Includes gateway and merchant account fees. AVS fee adds $0.05 per transaction
‡ Non-qualified transactions are subject to a surcharge of 1.00% for lite and 0.70% for Merchant
Order Now!
Convenient Payment Gateway & Merchant Solution
With our highly competitive rates and percentages, you'll pay less for each transaction, putting more money back in your pocket for each sale at your ecommerce website.

Some merchant providers charge $100 or more to set up your merchant account (we charge nothing) and tie you into a long term contract (no commitment requirements here) to receive their best rates. We also offer the choice of two payment gateways, unlike other providers who offer only a single set of rates with one gateway service. Both of our partners (Authorize.net and USA ePay) are well-known, highly reliable providers with extremely competitive rates.

How does Newtek Merchant work?
  1. The Customer shops at your online store.
  2. The Customer adds the product to their online Cart and wants to order.
  3. The Payment Gateway receives your customer's information.
  4. The Credit Card Company validates the credit card information.
  5. The Payment Gateway processes the transaction.
  6. The Merchant Account receives the funds.

How do I apply?
Getting started is extremely simple. Just click the "Order Now" link and fill out the short application. A Newtek representative will review it and contact you to complete the sign up process. Your application should be approved within 24-48 hours. With a 99% approval process, you are virtually guaranteed to have your account up and active when you need it.