FAQs – Common Questions

Merchant Services FAQ

What is a merchant account?
A merchant account is what allows businesses to accept credit card payments from their customers.

How do I apply for a merchant account?
You can call us at 888-236-2580 or click the following email link: Accept Credit Cards Now.

When do credit card transactions get funded?
Ternion Merchant Services is a registered credit card processing company that funds all merchant transactions in 24-48 business hours.

If I have bad credit or no credit, can I be approved for a merchant account?
Absolutely! Ternion Merchant Services specializes in helping hard to place merchants get approved for a low rate merchant account. If your business is “high risk” or if you have bad credit we can help you get approved for a merchant account.

What is an internet merchant?
An internet merchant is a term used for merchants who conduct business on the Internet or through a website.

What is a shopping cart?
A shopping cart is a tool on a website that allows users to group products or services into one location prior to check out. A shopping cart is needed to process credit card transactions through a website.

Do I need a shopping cart to be an internet merchant?
No. A virtual terminal will work just as well. However, merchants that have a large number of products may find it easier to use a shopping cart and most e-commerce websites require a shopping cart.

What if I need help with my merchant account?
Our Customer Service representatives are available 24/7/365, toll free

If I buy a terminal from you, do I have to process with you?
No, you can process with almost any processor although our rates and fee’s are the lowest so there is no reason not to process with us!

What is your privacy policy?
A privacy policy states what information may or may not be released to outside sources.

What kind of training is required for using a credit card terminal?
Ternion Merchant Services representative will train merchants to use terminals supplied by us.

What types of merchants do you approve?
All types of merchants meeting our underwriting standards. We have multiple banks and sponsor ISO’s that allow us to approve 99% of our merchant applications. This includes high risk accounts like travel agencies and the adult industry.

What is the time frame for being able to start accepting credit cards?
We get most applicants approved within 24 hours.
Once your merchant account is approved, you will be able to accept cards upon receipt of your terminal or e-commerce password. This usually occurs within 3-5 business days of your account approval.

How do I determine what terminal, equipment and/or software is best for my business?
Our merchant account experts will work with you to determine what best fits your needs. A sales representative will discuss with you your options and the available programs for your business needs. We have programs and equipment for virtually all businesses including: Internet/E-Commerce – Retail – Mail Order/Telephone Order (MOTO) – Restaurant – Mobile/Wireless – Business to Business, and more.


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Special Rates!

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Contact Us Today!

internet rates

We offer great rates on all the ways your customers want to buy from you.

To speak with our staff, please use one of the contact methods below:

Phone: 888-236-2580

E-mail Addresses: info@ternionprocessing.com

Mailing Address:
Ternion Merchant Services, Inc.
PO Box 5429
Sherman Oaks, CA 91413