application

Step 1: Select Services

Note: If you quit at any point during the application process without submitting the application, your progress will be saved automatically.

What is the primary sales channel for your business? - Select one of the following:

Card Not Present - Internet (e-commerce, Web site, etc.) - Select if you need to accept credit card and/or electronic check payments for goods and services sold online, including online auctions.
Card Present - Retail (point-of-sale) - Select if you need to accept credit card payments for goods and services sold using a card reader (or swipe terminal) at the point-of-sale.
Note:
Card Not Present means that the cardholder does not physically present their credit card to the merchant at the time of the transaction.

Card Present means that the cardholder physically presents their credit card to the merchant at the time of the transaction.

These terms are used in the payments industry to distinguish e-commerce merchants, such as those that operate via Web sites, from MOTO locations, from "brick and mortar" retail locations, or using mobile devices.
What services would you like to apply for? - Select from the following:

Payment Gateway for Credit Card Processing - Click to set up a payment gateway account.
A payment gateway account facilitates electronic commerce by enabling you to accept credit cards and/or electronic checks as accepted methods of payment for goods and services sold online.
Internet Merchant Account (Select if you do not have one) - Click only if you need to create a new internet merchant account.
An internet merchant account is required in order to set up a payment gateway account. An internet merchant account is a financial institution or bank account that is used by a merchant specifically for the purpose of collecting proceeds from consumer bank accounts or credit card payment transactions.
Electronic check processing using eCheck.Net© - Click to sign up for an eCheck.Net account.
eCheck.Net is an Authorize.Net payment service that allows Card Not Present merchants to accept electronic check payments for goods and services sold via a Web site or call center.

Would you like to sign up for the following value-adding products? - If desired, select any applicable value adding products you would like to add to the account. This section is enabled only for Card Not Present accounts.

Automated Recurring Billing^TM - Select to sign up for the Automated Recurring Billing (ARB) service.
ARB is a payment gateway value-adding service that allows you to create a recurring billing transaction or "subscription" for the purchase of goods or services. Enter transaction and customer billing information, specify a billing amount and billing interval, and ARB does the rest, automatically generating subsequent transactions for the duration of the subscription.
Advanced Fraud Detection Suite^TM - Select to sign up for the Advanced Fraud Detection Suite (AFDS) service.
AFDS is a powerful, rules-based set of transaction filters and Internet Protocol (IP) address tools designed to help Web merchants identify, manage and prevent costly fraudulent transactions.
Note: You will need to take additional steps to activate these additional services once your payment gateway account is set up.

Step 2: Company and Owner Information

Provide the required Company Information, including:

Company Name - The name of the business.
Doing Business As - If applicable, the name under which the company is doing business.
Company Address Line One - Line one of the company's street address.
Company Address Line Two - If applicable, line two of the company's street address.
City - The city in which the company is located.
State/Province - The state or province in which the company is located.
ZIP Code - The U.S. ZIP code or Canada postal code.
Country - The country in which the company is located. (The payment gateway only supports U.S.-based merchants, or Canadian merchants with U.S.-based merchant accounts.)
Company Phone Number - The company phone number using digits only, no formatting.
Company Fax Number - The company fax number using digits only, no formatting.
Mobile Number - An additional company phone number or owner's mobile phone number using digits only, no formatting.
Company E-mail Address - The primary company e-mail address.
Web Site URL - The company's Web site URL. If you predominantly sell on eBay, enter your seller name. If you do not have a Web site you can leave this field blank.
SIC Code - Click the SIC Code link to select the SIC Code that best describes your industry type.
Business Type - Your business type.
Sole Proprietorship: The business is unincorporated and owned by one individual.
Partnership: The business is unincorporated and owned by two or more partners.
Corporation: The business is legally separate and distinct from its owners. A corporation can own assets, incur liabilities, and sell securities, among other things.
LLC (Limited Liability Corporation): The business is legally separate and distinct from its owners. It has the limited liability features of a corporation and the tax efficiencies and operational flexibility of a partnership.
Non Profit: The business is a not-for-profit organization that serves charitable, educational, religious, literary or scientific purpose.
Trust: The business is either 1) an organization of a number of firms or corporations operating, and often united, under an agreement creating a trust; or 2) a corporation or a body of persons or corporations acting together by mutual arrangement, often effected by putting a majority of the business's stock either in the hands of a board of trustees or by transferring a majority to a holding company.
Tax ID/Proprietor Social Security Number - The company's Tax ID or the proprietor's Social Security Number using digits only, no formatting.
Detailed Description of Products or Services Sold - A brief description of product(s) or service(s) sold.
How long has your company been in business? - The number of years and months the company has been in business.

Provide the required Owner/Principal Information, including:

First Name - The first name of the company owner or principal.
Last Name - The last name of the company owner or principal.
Title - The title of the company owner or principal.
Ownership Percentage- The percentage of the company that the company owner or principal holds.
Date of Birth - The company owner or principal's date of birth.
Home Address Line One - Line one of the home street address of the company owner or principal.
Home Address Line Two - If applicable, line two of the home street address of the company owner or principal.
City - The name of the city for the home address of the company owner or principal.
State/Province - The state or province of the home address of the company owner or principal.
ZIP Code - The U.S. ZIP code or Canada postal code of the home address of the company owner or principal.
Country - The country of the home address of the company owner or principal. The owner or principal must reside within the United States or Canada.
Home Phone Number - The home phone number of the company owner or principal using digits only, no formatting. Non-numeric characters are not allowed.
Social Security Number - The Social Security Number of the company owner or principal using digits only, no formatting.
Email Address - The e-mail address of the company owner or principal.
Driver's License Number - The driver's license number of the company owner or principal.
Driver's License State - The driver's license state of the company owner or principal.
Are there additional owners of the Company? - Yes or No.

If there are additional owners of the company, then provide the required Corporate Officer/Owner/Principal No. 2, including:

First Name - The first name of corporate officer/owner/principal No. 2.
Last Name - The last name of corporate officer/owner/principal No. 2.
Title - The title of corporate officer/owner/principal No. 2.
Ownership Percentage - The percentage of the company that corporate officer/owner/principal No. 2 holds.
Date of Birth - The corporate officer/owner/principal No. 2's date of birth.
Home Address Line One - Line one of the home street address of corporate officer/owner/principal No. 2.
Home Address Line Two - If applicable, line two of the home street address of corporate officer/owner/principal No. 2.
City - The name of the city for the home address of corporate officer/owner/principal No. 2.
State/Province - The state or province of the home address of corporate officer/owner/principal No. 2.
ZIP Code - The U.S. ZIP code or Canada postal code of the home address of corporate officer/owner/principal No. 2.
Country - The country of the home address of corporate officer/owner/principal No. 2. Corporate officer/owner/principal No. 2 must reside within the United States or Canada.
Home Phone Number - The home phone number of corporate officer/owner/principal No. 2 using digits only, no formatting. Non-numeric characters are not allowed.
Social Security Number - The Social Security Number of corporate officer/owner/principal No. 2 using digits only, no formatting.
Email Address - The e-mail address of corporate officer/owner/principal No. 2.
Driver's License Number - The driver's license number of corporate officer/owner/principal No. 2.
Driver's License State - The driver's license state of corporate officer/owner/principal No. 2.

Note: These fields are only required if you are applying for a Merchant Account and/or the eCheck.Net service.

Step 3: Payment and Account Information

Provide the following required Payment and Account Information:

Name on Account - The first and last name of the primary person associated with the bank account.
Bank Name - The name of the bank or financial institution.
Account Type - The type of bank account, Checking or Savings.
Account Owner Type - The bank account owner type, a person or a business.
Bank City - The city in which the bank or financial institution is located.
Bank State - The state in which the bank or financial institution is located.
ZIP Code - The ZIP code for the location of the bank or financial institution.
ABA Routing Number - The 9-digit ABA routing number for the bank. The ABA routing number is the first set of numbers at the bottom of your paper checks, on the left side.
Account Number - The bank account number. The bank account number is the second set of numbers at the bottom of a paper check, on the right side.

Step 4a: Existing Internet Merchant Account Configuration

This screen displays if you have NOT checked the Internet Merchant Account box in step one. If you do not yet have an Internet merchant account, return to step 1, select Internet Merchant Account as one of the services you are applying for, and then return to step 4.

Enter the required information if you have an existing merchant internet account configured to accept credit card transactions.

The name of your Processor, or the entity in the credit card processing network that handles the posting of transactions for authorization, clearing and settlement to consumer credit card accounts, as well as the settlement of funds to the merchant's account.
The Credit Card types that your merchant account is currently configured to accept.
The Processor Details, including the following:

Note: Required fields vary by processor:

Merchant ID (MID) - If the processor is FDMS Nashville or Global Payments, the merchant's unique ID number.
Terminal ID (TID) - If the processor is FDMS Nashville or Nova, the merchant's unique terminal ID number.
Merchant Number - If the processor is FDMS Omaha, RBS Lynk, or TSYS Acquiring Solutions, the merchant number.
Acquirer Institution ID (Bank ID) - If the processor is Global Payments, the merchant's bank ID.
Bank Number - If the processor is Nova, the merchant's bank number.
Client Number - If the processor is Chase Paymentech Tampa Platform, the merchant's client number.
Merchant Number (Gensar #) - If the processor is Chase Paymentech Tampa Platform, the merchant number.
Terminal Number - If the processor is Chase Paymentech Tampa Platform, RBS Lynk, or TSYS Acquiring Solutions, the merchant's terminal number.
Acquirer BIN - If the processor is RBS Lynk or TSYS Acquiring Solutions, the merchant's acquirer BIN.
Agent Bank Number - If the processor is TSYS Acquiring Solutions, the merchant's agent bank number.
Agent Chain Number - If the processor is TSYS Acquiring Solutions, the merchant's agent chain number.
Category Code - If the processor is RBS Lynk or TSYS Acquiring Solutions, the merchant's category code.
Store Number - If the processor is RBS Lynk or TSYS Acquiring Solutions, the merchant's store number.
BuyPass Number - If the processor is FDMS Concord EFSNet, the merchant's BuyPass number.

The appropriate Device Type (applicable only for Card Present merchants).

Step 4b: New Internet Merchant Account Pre-Application

This screen displays if you are applying for a new internet merchant account.

Enter the required information if you do NOT have an existing internet merchant account configured to accept credit card transactions.

Provide the required Additional Company Information, including:

Are your customers required to pay a deposit when ordering? - Yes or No.
Do you currently accept credit cards? - Yes or No.
If you do not now, have you ever accepted credit cards? - Yes or No.
Name of Processor - If you answered "Yes" to either of the two preceding questions, enter the name of your processor.
Reason for Cancellation - If you answered "Yes" to the question, "If you do not now, have you ever accepted credit cards?", enter the reason for cancellation.
Monthly Visa/MasterCard Sales (estimate in whole dollars) - Your estimated total monthly Visa/MasterCard sales.
Average Transaction Amount (in whole dollars) - Your estimated average transaction amount.
Maximum Per Transaction Amount (in whole dollars) - Your estimated maximum per-transaction amount.
Do you currently accept American Express? - Yes or No.
What is your 10 digit American Express Merchant Number - If you answered "Yes" to the preceding question, enter your 10-digit American Express Merchant Number.
Would you like to apply? - Select Yes or No if you would like to apply for an American Express Merchant Account.
Do you currently accept Discover? - Yes or No.
What is your 15 digit Discover Merchant Number - If you answered "Yes" to the preceding question, enter your 15-digit Discover Merchant Number.
Would you like to apply? - Select Yes or No if you would like to apply for an Discover Merchant Account.
Is the business home based? - Select Yes or No.
Typically, how many days until product/service is delivered, after payment is received? - Your typical time frame for delivering your product(s) or service(s) in days.
What is your refund/exchange/cancellation policy? - The option that best describes your refund/exchange/cancellation policy. If you select Other, a new text box opens, asking you to describe your policy.
Is your refund policy on your Web site? - Select Yes or No.
Number of days after a sale that a full refund will be issued - The number of days following a purchase that you will issue a full refund.
What is your Warranty Policy? - The option that best describes your warranty policy.
Number of days that your product or service is under full warranty - The number of days after a purchase that your product(s) or service(s) are under full warranty. This question does not display if you selected Don't Have One for the previous question.
Do you sell services? - Select Yes or No.
If you sell services, what is your billing frequency? - Select one of the following options:
One time before service delivery: Only bill one time, before the service is performed.
One time after service delivery: Only bill one time, after the service is performed.
Monthly recurring: Bill once a month for the service.
Quarterly recurring: Bill once a quarter for the service
Semi annually: Bill twice a year for the service
Annually: Bill once a year for the service
Other: Any other billing frequency not covered above.
What is your Customer Support phone number? - The phone number your customers can call for customer support related issues. Enter digits only, without formatting. This field accepts up to 10 digits.
Are you certified for PCI compliance? - Select Yes or No. The Payment Card Industry (PCI) Data Security Standard covers security requirements for storing and transmitting sensitive cardholder information.
Additional information you would like considered during Underwriting - Any additional information you feel may be pertinent to the underwriting of your account.

Step 5: eCheck.Net Transaction Information

Provide the required Transaction Volume, including:

Anticipated eCheck.Net Monthly Sales (in whole dollars) - An estimated amount of Monthly Sales from eCheck.Net transactions.
Average Transaction Amount (in whole dollars) - An estimated average transaction amount for eCheck.Net transactions.
Anticipated Maximum Per-Transaction Amount - An estimated maximum per-transaction amount for eCheck.Net transactions.
Note: Authorize.Net will establish eCheck.Net transaction processing limits during underwriting. Additionally, in some cases a risk reserve may be required.

Provide the required Transaction Type information.
How will you receive eCheck.Net transactions from your customers? (Please check all scenarios that apply for each customer bank account type from which you anticipate you will receive transactions.)
Customer phones in an order
You solicit a phone order from an existing customer
Customer signs an agreement authorizing single or recurring eCheck.Net transaction and provides check information
Customer provides check information via your Web site (one-time transaction)
Customer provides check information via your Web site (customer has authorized recurring transactions)

Step 6: eCheck.Net Underwriting Information

Provide the required information for Previous Accounts , including:

Does your business currently have or previously had an account with Authorize.Net? - Yes or No.
Name the account is/was under - If you answered "Yes" to the previous question, enter the business name the account is/was under.
Login IDs or Gateway IDs of the accounts - Enter the Login ID(s) or Payment Gateway ID(s) of your current or previous accounts.

Provide the following required Compliance Information:

Has your business ever been cited for violating a National Automated Clearing House Association (NACHA) rules or regulations? - Yes or No. If "Yes", enter a description of the citation in the Please Explain text box.

NACHA is the national trade association that establishes the rules, standards, and procedures governing the exchange of ACH transactions between participating banks (Originating Depository Financial Institutions and Receiving Depository Financial Institutions).

As defined by NACHA, do you have commercially reasonable procedures in place to prevent fraud? - Yes or No. If "Yes", enter a description of your procedures.
Does your company have any outstanding judgments or liens pending against it? - Yes or No. If "Yes", enter a description of the judgement or pending lien in the Please Explain text box.
Please provide a 10 character abbreviation of your company name. This will appear on your customer's bank statement for eCheck.Net transactions - A 10-character, alphanumeric abbreviation of your company name.

If applicable, provide the following required Personal Guarantor Information :

Full Name - The full name of the personal guarantor for the account. The personal guarantor must also be an owner or principal of the business.
Title - The business title of the personal guarantor.
Social Security Number - The personal guarantor's Social Security Number using digits only, no formatting.
Date of Birth - The personal guarantor's date of birth. Enter a valid date in mm/dd/yyyy format. The personal guarantor must be 18 years or older.
Street Address - The personal guarantor's home street address.
City - The personal guarantor's home city.
State -Tthe personal guarantor's home state.
Country - The personal guarantor's country of residence. The personal guarantor must reside in the United States or in Canada.
ZIP Code - The personal guarantor's ZIP code.
Home Phone Number - The personal guarantor's home phone number using digits only, no formatting.
Personal Guarantor E-mail Address - The personal guarantor's e-mail address.
Years at This Address - The number of years the personal guarantor has resided at the specified home address.
Note: Authorize.Net may use the personal guarantor's personal credit history instead of or in addition to company financials when evaluating creditworthiness for the eCheck.Net service.

Review Fees

This section allows you to review important information regarding your payment gateway account fees and billing. The fees displayed on this page depend on the different products and services you applied for, as well as your reseller's merchant configuration.

Payment Gateway Account (if you are applying for a new payment gateway account)

Setup Fee - The one-time fee charged to set up a payment gateway account.
Monthly Fee - The monthly fee charged for basic payment gateway services.

Credit Card Processing (if you are applying for credit card processing through a new or existing internet merchant account)

Credit Card Per Transaction Fee - The fee charged per credit card transaction processed by the payment gateway.
Batch Fee - The fee charged for each batch settlement file submitted by the payment gateway.
Credit Card Transaction Fee Threshold - The transaction number at which the payment gateway begins to charge the per-transaction fee each month.

eCheck.Net Processing (if you are applying for electronic check processing through eCheck.Net)

eCheck.Net Setup Fee - The fee assessed for setting up an eCheck.Net account.
Chargeback Fee - The fee assessed for each chargeback for an eCheck.Net account. A chargeback is a type of return that occurs when an account holder claims they did not authorize a transaction, when the account holder and the customer are not the same person (i.e., identity theft), when the authorization was not properly obtained from the customer or when the customer does not recognize a transaction.
eCheck.Net Returned Item Fee - The fee assessed for each returned item for an eCheck.Net account. A returned item occurs when an electronic check 'bounces' due to insufficient funds, closed account, or other reasons.
Batch Fee - The fee assessed per batch processed for an eCheck.Net account.
eCheck.Net Minimum Monthly Fee - The minimum service fee charged per billing cycle for an eCheck.Net account. In the event that this fee is NOT exceeded by eCheck.Net transaction processing fees for the billing cycle, the difference between the actual fees charged and the minimum monthly fee value is billed.
eCheck.Net Per-Transaction Fee (Cumulative) - The per-transaction fee applied to eCheck.Net transactions. The rate will be determined by the total eCheck.Net dollar volume during the billing cycle. The same rate will be applied to all eCheck.Net transactions.
eCheck.Net Discount Rate (Cumulative) - The discount rate applied to eCheck.Net transactions. The rate will be determined by the total eCheck.Net dollar volume during the billing cycle. The same rate will be applied to all eCheck.Net transactions.
Note: If you are a governmental agency, public utility, insurance company, or educational institution, you may qualify for reduced rates. Contact a sales representative for additional information.
Chargeback fee is a disputed item.
Automated Recurring Billing (ARB) (if you are applying for the ARB service)

ARB Setup Fee - The fee for adding the ARB service to a payment gateway account.
ARB Monthly Fee - The monthly fee assessed for use of the ARB service.

Advanced Fraud Detection Suite (AFDS) (if you are applying for AFDS)

Advanced Fraud Detection Suite Monthly Fee - The monthly fee assessed for use of AFDS.

Internet Merchant Account Fees

Internet Merchant Account Fees - If your Internet merchant account is provided through CyberSource, these are the fees you will be charged. These fees may change if your Internet merchant account is provided through another merchant account provider.

Visa and MasterCard Pass-Through Assessments - This section lists the access and assessment fees applicable to Visa and MasterCard transactions.

Review Application

This section lists any required fields that were left incomplete during the previous steps of the application. Please review the list and provide the required information. If no information was left missing, this section is left blank.

eCheck.Net

The application for an eCheck.Net account is separate from the application for a payment gateway account and internet merchant account. Your eCheck.Net account will not be set up until the appropriate documents have been received and processed by Authorize.Net. In order to submit your eCheck.Net account application, print out the eCheck.Net Required Documents and Signature Page, collect the documents listed, and fax or mail them to Authorize.Net. You should also review the eCheck.Net Terms and Conditions and print off a copy for your records. (You are not required to accept the eCheck.Net terms at this time.)

Internet Merchant Account

In order to submit your application to Authorize.Net for processing, you must review the Merchant Services Agreement, Disclosure Page and Guaranty. This application will be submitted to the most appropriate merchant account provider for your business.

IMPORTANT: You should be aware that the terms and conditions included here may not reflect those of the eventual provider of your internet merchant account. In that case, you will have the opportunity to review and accept the terms and conditions applicable to your account prior to it being set up. If your account is submitted to CyberSource, the Terms and Conditions listed here as well as the Internet Merchant Account fees indicated on the previous page would apply.

When you have finished reviewing the agreement, enter the Owner/Principal/Corporate Officer Name in the field provided and indicate whether or not you accept or decline the agreement. By selecting I acknowledge and accept all of the above terms and agreements, you indicate that you are entering into the agreement on behalf of your company and certify that you have the authority to do so. If you select I decline, you indicate that you do not agree to the Internet Merchant Agreement. Your payment gateway account will still be created, but you will not be able to process transactions until you have an Internet merchant account.

When you have finished reviewing the information and agreements necessary in order for your application to be submitted and processed, click Submit. If your application is missing required information, or if one of the agreements is left unaccepted, a pop-up window will appear letting you know that your application cannot be submitted. Click OK to return to the Review Application page.

Note: If you quit at any point during the application process without submitting the application, your progress will be saved automatically.