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Apply for a Merchant Account

Merchant Account Application

* Email (support@hostingct.com) or Fax (1-860-356-0986) the completed application with a copy of a voided check plus any additional documentation required. (see below)

BEFORE YOU START

The merchant application will take approximately 15 minutes to complete. You will need the following:

* URL of your web site (if applicable)
* Voided check (Must match business name)
* 3 months merchant bankcard statements (if you are currently processing card sales)
* Copies of Articles of Incorporation or if partnership, partnership agreement if LLC or Corp

If you are requesting more than $100,000 in total monthly bankcard volume, the following information is required in addition to the above:

* 2 years past personal and business tax returns
* Current business financials (signed and dated)


READY TO GO!

Once you have gathered all the necessary information, simply:

1. Submit the setup fee (Online account only).

2. Download the pdf application below (choose the application for an online merchant account or an offline merchant account).

It only takes a few minutes and you're done! Approval can be obtained in as little as one day!


Download: application-offline.pdf
Download: application-online.pdf
Unacceptable and Conditional Merchant Types









Unacceptable and

Conditional Merchants Types






UNACCEPTABLE
or "HIGH-RISK"

 MERCHANTS:


Adoption
Services


Age-Verification
Services:
Membership
services that register people by their age in order to verify that
they may view adult entertainment sites. Often, Age verification services
use multi-level marketing to entice ISP's and Webmasters to host links
to their registration pages.



Aggregating: (See
"Factoring")



Airlines: NONE
are acceptable.


Audio Text/Telephone
Consultation Services:
Sell
recorded or live audio information (psychics, 900 #s, recorded advice,
etc.), usually by the minute, or by the time the customer spends on
the phone.


Benefit/Incentive
Programs


Car Rental



Card-registration
services:
Charge
to register credit cards in exchange for consumer insurance or
protection.



Charge-back Ratio,
Excessive:
Charge-backs
cannot exceed 1%.



Check-cashing
establishments:
Charge
a fee to cash checks for consumers.



Coin Dealers


Collection Agencies:
Collect
payments due or seize property on behalf of a lender/seller.


Companion or Escort
Services:
Charge
a fee to provide a companion or escort.


Credit restoration
or repair agencies, collection agencies:
Charge
a fee to help consumers handle personal debt and collect overdue bal-ances/
loans on behalf of lenders.


Credit Card Protection


Debt Consolidation



Drug paraphernalia
of any kind:
Sale
of any product associated with illegal drug use (pipes, syringes,
etc.)


E-Payments/E-Cash



Employment
Agencies/Recruiters:
Provide
staffing/placement (temporary or permanent) for other businesses.



Escort Services /
Companion Services:
See
"Companion Services."



Export/Import: See
"Import."



Factoring: A
business that opens a merchant account and hosts numerous other
businesses who also use that same merchant account to process
transactions.



Fantasy Leagues: Businesses
that charge customers to participate in fantasy or gaming activities
over the Internet.



Financial Aid: Lending
services that are, or approach, being illegal. (Loan sharking.)


Firearms: other
than retail sporting



Foreign
Companies/Business operating outside the US:
Any
business located outside the US, including Internet businesses with
servers located outside the US.



Freight Forwarding:
See Import/Export.


Future Fulfillment:
beyond
three months


Gambling: Companies
that charge a fee to participate in games or activities that offer
cash/ prizes in return



Hotel reservation
services:
Companies
that reserve hotel rooms on behalf of visitors. Merchant does not own or
work for the respective hotel.



Illegal products: Merchants
that sell any product that is illegal to sell or provide in the United
States.


Import/Export: Engage
in the purchase or sale of goods between different countries.


Incentive Programs:
Companies
selling incentive programs to other companies, so that incentives
may be used to enhance sales. For example, a company may sell a bundle
of discounted trips to a car dealership. The dealership can then offer
a "free" trip to Hawaii with every purchase.


Illegal Products


Investment Opportunities:
Offer the
promise of financial gain in exchange for money in-vested. 


Lotteries or raffles:
Sell tickets
that are drawn randomly, the winners receiving cash or prizes in return.


Metals, Precious


Mortgage Brokers/Reduction
Services:
Merchants
who charge a fee to place your loan with the lowest-cost provider
on the market; OR offer to lower existing mortgage payments; OR offer
information on reducing mortgage payments.



Outbound telemarketing:
Sell products
or solicit donations by phoning the public.


Phone Cards: Phone
card amount is paid up front for a service and used over a period of
time.



Precious metal/stamp
collections:
Sell
rare coins, metals, or stamps.



Pre-paid Services:
Cards that
store a pre-programmed dollar amount.


Prescription Drugs
Online



Principals residing
outside US:
Principals
who do not reside in the US will be immediately declined.



Principals with open
bankruptcies:
Principals
with open bankruptcies will be declined.



Pyramid sales
programs:
Companies
that use a "pyramid" of distributors who pay to participate
and are promised commissions on their sales and the sales of anyone
they recruit to sell "under" them. aka multi-level.



Raffles/Lotteries: All
raffles and lotteries are unacceptable.



Recruiters: Provide
job placement for employers; employee pays the fee. 


Sales: Outbound
telemarketing


Stamp Collections: Sells
rare stamps


Telemarketing: Outbound


Telephone: Consultation
services


Third-party services:
Any service
that involves a third-party who collects money on behalf of the
organization that provides the goods or services.


Timeshare
organizations:
Sell
"shares" in vacation property that allow "owners" to
stay for short, defined periods of time each year.



Travel Packages,
Coupons or Certificates/Clubs


VideoText


VISA Chargeback
Monitoring Program


Warranty Programs/Warranty
Sales





NON-STANDARD
/ CONDITIONAL

 MERCHANTS.



The following
merchants must meet the condition listed in parentheses in order to
apply. For example, a merchant who sells adult entertainment with an
average ticket of $300 would be unacceptable, however, if the average
ticket (AVT) is $240, the merchant would be considered Non-Standard and
allowed to apply. 


Adult
Entertainment

(if AVT exceeds $250)


Answering svcs.
phone

(if AVT exceeds $250)


Art Dealers

(If AVT exceeds $500)


Auction Houses
Virtual

(if AVT exceeds $250)


Auto Sales
Used

(if AVT exceeds $750)


Bail-bond Issuers

(less than 70% swiped)


Barter
Associations

(if AVT exceeds $250)


Beauty Supplies

(if AVT exceeds $250)


Campaigns,
Political

(if AVT exceeds $250, MV 5K+, or outbound telemarketing is
utilized)


Cars, Used

(if AVT exceeds $750)


Computers

(if AVT exceeds $500)


Concert
Hall/Theater

(if AVT exceeds $250)


Conferences

(if pre-paid)


Contingent
Liability

(fulfilled more than 90 days later, or AVT exceeds $500)


Coupon Books

(if AVT exceeds $250, or coupons can be used 90 days after
issuance)


Dating/matchmaking
Services

(if AVT exceeds $250)


Discount-coupon
Books

(if AVT exceeds $250, or coupons can be used 90 days after
issuance)


Donations to
Various Organizations

(if AVT exceeds $250 or MV 5K+ or outbound telemarketing
utilized)


Door-to-Door Sales

(if AVT exceeds $250)


Electronics

(if AVT exceeds $250)


Fund-raising,
Political

(if AVT exceeds $250, MV 5K+ or outbound telemarketing utilized)


Furniture/Office
Furniture

(if AVT exceeds $750)


Gambling Advice

(if AVT exceeds $250)


Hair Growth /
Removal / Restoration Products

(if AVT exceeds $250)


House Party Plans

(if AVT exceeds $500)


Insurance

(if AVT exceeds $250 or payment is for annual premium or covers
payment more than 90 days out)


Jewelry Stores

(if AVT exceeds $750)


Lending Services

(if AVT exceeds $250)


Long-distance
Carriers

(if AVT exceeds $250)


Magazine
Subscriptions

(if payment exceeds 90-day period of coverage)


Mail-order pets

(if AVT exceeds $250)


Massage Parlors

(if AVT exceeds $250)


Match-making/Dating
Services

(if AVT exceeds $250)


Message Services
Telephone

(if AVT exceeds $250)


Multi-level
Marketing

(w/o prior approval of marketing plan by Humboldt Bank)


Office Furniture

(if AVT exceeds $750)


Organizations
Seeking Donations

(if AVT exceeds $250 or MV 5K+ or outbound telemarketing
utilized)


Party Plans

(if AVT exceeds $500)


Pets Mail
Order

(if AVT exceeds $250)


Phone Message
Services

(if AVT exceeds $250)


Political
Campaigns

(if AVT exceeds $250 or MV 5K+ or outbound telemarketing
utilized)


Pornographic
Materials

(if AVT exceeds $250)


Property Rentals
Vacation

(timeshares, contingent liability or AVT exceeds $750)


Rentals
Vacation

(timeshares/contingent liability or AVT exceeds $750)


Sales
Door-to-door

(if AVT exceeds $250)


Seminars

(if pre-paid)


Subscriptions
Magazine

(if payment exceeds 90-day period of coverage)


Swap-meets

(less than 70% swiped)


Telephone Message
Services

(if AVT exceeds $250)


Travel Agencies

(less than 70% swiped)


Used Cars

(if AVT exceeds $750)


Vacation Rentals

(if AVT exceeds $750 or timeshares/ contingent liability
involved)


Virtual Auction
Houses

(if AVT exceeds $250)


Water Purification
Services

(if AVT exceeds $250)


X-rated Materials

(if AVT exceeds $250)





 

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