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A merchant account is the central bank account that consolidates your payments from credit cards, debit cards, electronic checks and other payment processing services. Opening a merchant account through HostFusion lets you accept virtually any type of payment from your customers, and offers you the widest possible means of handling these payments.

HostFusion's primary focus is providing merchants, like you, with the ability to process credit card transactions online. This is done by setting up your business with an "Internet merchant account"... which is nothing more than an actual bank account which enables the credit card networks to route funds to you.

Merchant accounts and accepting credit cards online can be the most important step you need to take to enter the world of Internet commerce. If you need a merchant account and want to increase your bottom line by processing credit cards online just get your own merchant account with HostFusion and start accepting credit cards today!


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	Merchant Express can setup your business with a merchant account to accept all major credit cards including Visa, MasterCard, American Express, Discover and bank ATM Debit cards, at the lowest possible cost. They offer only bank direct merchant accounts, saving merchants thousands of dollars per year in credit card processing costs. Processing Options Doing business on the Net means finding a secure, cost-effective, and reliable way to collect payment and process transactions. Authorize.net fills that need with a server-based real-time transaction processing system. You can use the system to submit, authorize, capture, and settle credit card and electronic check transactions without the need for a separate transaction terminal or processing software. There are three methods of processing transactions through the Authorize.net system: 1. Virtual Terminal - allows you to manually process mail and telephone credit card transactions, as well as issue credits, just like a real physical terminal, but with the added flexibility of letting you access it from any Internet connection in the world. 2. Simple Integration Method - allows you to link your website to the system in order to accept credit card payments from customers in real-time with complete automation. 3. Advanced Integration Method - provides a mechanism to link more complex websites with the transaction gateway server, requires custom programming.		Merchant Account Fees No Setup Fee No Monthly Minimum No Programming Fees 2.33% - 2.44% Discount Rate 24¢ Transaction Fee 5¢ AVS (Address Verification) Fee $9.95 Monthly Service/Support Fee Free AMEX Setup Features & Benefits Easy approvals Fast setup No setup fee No programming fees Low rates and fees 110% price protection guarantee Real-time processing Live toll-free customer support Free online marketing package Experienced company you can trust eCheck Rates & Fees (optional) $149 One-Time Setup Fee 1.95% Discount Rate 30¢ Transaction Fee $10 Monthly Minimum Fee

Comparison Chart	Industry Average	HostFusion
Application Fee	$75 - $125	$0
Setup Fee	$50 - $150	$0
Programming Fee	$50 - $95	$0
Annual Fee	up to $195	$0
Monthly Maintenance Fee	$0 - $10	$0
Overlimit Fee	varies	$0
Authorize.net Gateway Setup	$99 - $299	$0
Authorize.net Transaction Fee	10 ¢	$0
JPOS Retail Swipe Software	$175 - $395	$0
Check by phone/web/fax	$150	$0
Web Shopping Cart	$300	$0
American Express Setup	$25 - $50	$0
Discount Rate Retail (Swiped)	1.85%	1.77%
Discount Rate Internet/Mail/Phone	2.65%	2.33% - 2.44%
Transaction Fee Retail (Swiped)	25 ¢	19 ¢
Transaction Fee Internet/Mail/Phone	35 ¢	24 ¢
Address Verification (AVS) Fee	5 - 10 ¢	5 ¢
Monthly Statement/Service Fee	$10 - $15	$9.95

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