GET SET UP WITH A PAYMENT PROCESSOR
Set up credit card and ACH processing accounts with transparent pricing, compatible gateways, and support from application through launch.
Your card merchant account and ACH processing account are separate from the gateway or POS equipment. Keep a compatible system or add ribbonCharge separately; no other ribbonPay service is required.
HOW CARD AND ACH PRICING WORKS
Your card-processing account uses interchange-plus pricing. Your ACH processing account has its own monthly, setup, and transaction fees. Both sets of account pricing appear once in the section below.
1
Your underlying card costs vary by card type, transaction method, data supplied, and network category.
2
Card-brand network fees and assessments are passed through separately.
3
Your card-processing markup and ACH account fees are listed together in the pricing section below.
CARD & ACH ACCOUNT PRICING
Typically placed through Electronic Payments, Inc.
| Item | Price or term |
|---|---|
| Monthly service fee | $10/month |
| PCI Management | $8.95/month |
| Setup fee | $0 |
| Processing markup | Starting at interchange + 0.29% + $0.15 per transaction |
| Volume pricing | Lower rates available when you process over $100,000 per month |
| Early termination fee | $0 |
| Same-day funding | Included at no additional cost |
Typically placed through VeriCheck.
| Item | Price or term |
|---|---|
| Monthly service fee | $20/month |
| Setup fee | $99 |
| Transaction fee | 0.50% + $0.50 per transaction |
| Contract term | None |
| Early termination fee | None |
ACH/eCheck requires a separate processing account, just as card acceptance requires a separate merchant account. Both accounts can connect through a compatible payment gateway.
Third-party integration or software charges may apply where applicable.
FASTER ACCESS TO DEPOSITS
Same-day funding is available for approved card-processing accounts, helping you move from card acceptance to available operating funds more quickly.
Faster access to card deposits
Eligibility confirmed during approval
Setup coordinated by ribbonPay
CONNECT THE ACCOUNTS THAT FIT YOUR BUSINESS
Your card merchant account, ACH processing account, payment gateway, shopping cart, and processors play different roles. ribbonPay helps coordinate a compatible setup without requiring you to replace every component.
01
Online store, ERP, invoicing system, POS, or other payment source.
02
Authorize.net, ribbonCharge, or another compatible gateway.
03
A card merchant account enables card acceptance, while a separate ACH processing account enables bank payments.
04
The processing platforms and settlement relationships behind each account.
Your card-processing account is typically placed through Electronic Payments, Inc., with compatibility that includes Fiserv and TSYS.
Your ACH processing account is typically placed through VeriCheck and remains separate from your card merchant account.
ribbonCharge is optional and separately billed. Managed Fraud Review, Chargeback Management, and POS services are also independently available.
LOWER COSTS ON QUALIFYING COMMERCIAL CARDS
You may accept business, corporate, purchasing, and government cards even if your company primarily serves consumers. When your compatible gateway supplies the required enhanced data, qualifying transactions can reach lower commercial-card interchange categories.
Identify which of your transactions may qualify for enhanced-data interchange categories.
ribbonPay helps coordinate your card merchant account and compatible gateway so supported transactions can include the required Level 2 or Level 3 fields.
Qualification depends on the card, transaction, data you supply, your account setup, and current card-network rules.
Your eligible commercial-card transactions may receive interchange rates approximately 0.65%–1.25% lower than standard commercial-card categories when you supply the required Level 2 or Level 3 data.
Actual qualification and savings vary. Your merchant account alone does not create Level 2 or Level 3 qualification; you must supply the required data through a compatible gateway or payment system.
PCI MANAGEMENT
For your merchant account
PCI Management assists with your validation process. It does not guarantee compliance, prevent a data breach, replace your own security responsibilities, or include services not listed above.
SUPPORT THAT DOES NOT DISAPPEAR AFTER APPROVAL
You do not have to decide alone whether an issue belongs to the gateway, processor, shopping cart, or account. ribbonPay can help identify the right path and remain involved in the escalation.
COMMON QUESTIONS
No. The card-processing amount shown in the pricing section is the processing markup. Card-network interchange, assessments, and other applicable processor charges pass through separately. Final pricing depends on your business and processing profile.
No. Card acceptance requires a merchant account, while ACH/eCheck requires a separate ACH processing account. Both can connect through a compatible payment gateway.
Often, yes. ribbonPay verifies your gateway, card processor, ACH processor, and account compatibility before recommending a change.
Same-day funding is available for approved card-processing accounts, subject to the applicable funding and batch schedule. Eligibility is confirmed during onboarding.
If your information is complete, approval is targeted within 72 hours and you can generally begin processing one day after approval. Timing depends on underwriting, processor requirements, and setup.
Recent card-processing statements are typically required so ribbonPay can review your current account, pricing, card mix, and processing profile. For ACH, ribbonPay will also confirm your expected volume and use case.
The ACH processing account has no contract. Card-processing terms are provided in your application and may vary with underwriting; review the final agreement before signing.
Schedule a 15-minute consultation to review your card and ACH processing needs, current pricing, funding, gateway compatibility, and PCI process. Having a recent card-processing statement available will make the conversation more useful.
PROCESSING RELATIONSHIP DISCLOSURE
ribbonPay is powered by Electronic Payments, Inc., which is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.
