Frequently Asked Questions

How long does it take to get setup with credit card processing?
The turnaround time can vary from company to company, however in most cases we can have a merchant up and running within 1-2 business days.

When are funds usually placed into my business checking account?
The typical time period is 2 business days. However, we do offer next day funding to merchant’s who meet certain credit qualifications.


What kinds of credit card processing solutions are available?
There are a wide range of solutions for all types of businesses. We can accommodate almost any business who wants to accept credit cards. Some of the most popular types of merchant accounts are:


  • Retail Merchants
  • Mail/Phone Orders
  • Internet E-Commerce
  • Wireless Solutions
  • Check Conversion and Guarantee
  • Specialty Merchants who require specialized solutions such as inventory management, customer database management, automatic recurring billing, etc
  • Plus Much More…


What kind of transaction reporting is available for my merchant account?
All EMS merchants will receive a paper statement every month detailing their transactions and fees. In addition we offer 3 levels of online reporting:


  • Basic online reporting
  • Standard – online reporting with an integrated virtual terminal
  • Flex Plus – All the features of the standard plus customer database management, inventory management, marketing tools, and much more

What Type of Customer Support Does EMS offer?

Eschelon offers 24/7 technical support 365 days a year to all of our merchants. Our Phoenix office is open Monday-Friday from 7:30 AM – 5:00 PM MST and 8:00 AM – 6:00 PM EST to assist with non- technical issues. All calls are answered by a live Customer Service representative so our customers will never have to experience being bounced around in an exhausting automated telephone system.


What is Interchange and do you offer Interchange Plus Pricing (also known as Cost Plus Pricing)?
Interchange is the rate/fees set by the credit card networks (Visa/MasterCard/Discover/AMEX). Interchange fees have a complex pricing structure. It is based on the card brand, regions or jurisdictions, the type of credit or debit card, the type and size of the accepting merchant, and the type of transaction. These can be considered wholesale costs to process credit and debit cards. Many providers of merchant accounts including the larger banks will often take these interchange fees and bundle them into two to four different tiers and mark up the rates for the merchants. Their type of Tiered or Retail processing is considered the more expensive way to process since many merchants are not taking advantage of the true cost of the various charges set by the card brands.






See how much our Interchange PLUS program can save you