Currently Hosting 107,359 Domains
1-877-323-HOST
Find Your Domain
Go
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 have your merchant account set up and tie you into a long term contract to receive their best rates. You also have the choice of two payment gateways unlike other providers who offer only a single set of rates with one gateway service. Authorize.net is a well-known, highly reliable provider while USA ePay is another reliable provider that offers extremely competitive rates.

How does Newtek Merchant work?
  1. The Customer shops at your online store.
    This is the person shopping on your website who wants to purchase your product and/or services. Your Customer is able to do these things safely and securely at your website because you have given them a page protected by a SSL certificate, which will encrypt their payment and personal information before their payment is processed.
  2. The Customer adds the product to their online Cart and wants to order.
    Your Customer has added the item they want to their shopping cart and they are ready to purchase. The Cart in question can be an actual shopping cart application (Zencart, osCommerce, Storefront, Cartweaver, etc.) or a simple page where they can enter their payment information. Once your Customer clicks the "payment" button, all of the data that the cart has stored is compiled into a format that can be easily passed on to the Payment Gateway.
  3. The Payment Gateway receives your customer's information.
    Information that is gathered by the shopping cart is passed on to the Payment Gateway (Authorize.net, USAePay, etc.) where it is checked to make sure that it is complete enough to send off to the Credit Card Company. The Payment Gateway then determines which Credit Card Company is needed to manage the transaction and then sends the information on to them.
  4. The Credit Card Company validates the credit card information.
    The issuer of the credit card validates all of customer information - credit card number, billing address, etc. Once verified, the Credit Card Company will send an acknowledgement back to the Payment Gateway so that the transaction can be processed. Should the transaction fail, the Credit Card Company will send a denial code back to the Payment Gateway that indicates what problem was encountered with the transaction (the Customer can then choose a different payment method or cancel the purchase).
  5. The Payment Gateway processes the transaction.
    If the transaction is a success, this information is relayed to the Customer, usually in the form of an "Order Confirmation" or "Thank You" page. In addition, the Payment Gateway initiates a funds transfer, also referred to as the settlement request, for the purchase amount (minus the transaction fee and discount percentage) to the Merchant Account for deposit.
  6. The Merchant Account receives the funds.
    The Merchant Account receives funds from credit card purchases and then makes scheduled transfers to a merchant's bank account. This is, essentially, the final step in the whole Merchant Processing scenario which takes literally seconds to complete. Funds collected into a Merchant Account are generally transferred over to the merchant's regular account within 48-72 hours.

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.