CPA Merchant Services - Frequently asked Questions

Founded in 1999, Deposit Checks, Inc, is a provider of credit card and debit card processing services for small businesses.

Fill out the one page application. The process takes about 5 minutes and you can fax it back to (603)947-5197. If you'd like help, call (619) 272-7619 Monday through Friday 8am-5pm Pacific Time.

We will contact you within 24 hours (not including weekends and holidays) to let you know which program you have qualified for, answer any questions you have, and complete your application.

We accept retail, professionals, trade shows, mail order, telephone order, Internet-based, and home-based businesses.

Very few applications are denied. In fact, we approve 98% of all applicants who apply for merchant accounts.³ In addition, there is no application fee for credit card processing. If your application were declined, it would be at no expense to you.

Credit is not always the determining factor in our approval process. If your credit is questionable, we have some options available to you so your account can be approved.

Can I still sign up for a merchant account?

Unfortunately, no. Only US-based companies with a U.S. bank account can use Deposit Checks.

For pricing comparisons, call (619) 272-7619.

You will need the following information about your business:

1. Business information (Tax ID, physical mailing address)
2. Owner/principal information (contact and identifying information)
3. Account information (bank account, funding information)
4. Estimated credit card sales and existing credit card processing information (if applicable)
5. Current terminal model number

If you've already applied and have questions about the status of your application, please call (619) 272-7619 or email Sales@CPAMerchantServices.com

No. The funds you collect from credit card transactions are deposited directly into the bank account of your choice. Funds are usually available within 2 business days.

We set up you so that you can accept MasterCard, Visa and bank ATM debit cards. You can apply for American Express and Discover at the same time. If you would like to accept Discover Card and American Express there is set-up charge.

Should I cancel this other account before I apply?

In order to assure uninterrupted processing, DO NOT cancel your existing merchant service until you've been approved and ready to process with Deposit Checks. At that point, you can choose to cancel your existing service.

1. Terminal Service: It depends. You can use your existing terminal and reprogramming is FREE.¹ Just call (619) 272-7619 for assistance. Don't have a terminal, get one for a great price. Learn more about our terminals.
2. PC Service: No we provide you with FREE virtual terminal software, which lets you use your PC to manually key-enter card information, plus also lets you process sales anywhere there's an internet connection. You can also select the QuickBooks Merchant Service, which lets you manually key-enter card information right in your QuickBooks software.⁴
3. Internet Service: No we provide you with FREE gateway software, which lets you take sales over the Internet plus lets you manually key-enter card sales anywhere there's an internet connection.

One of our Activation team members can assist you with reprogramming. Call (619) 272-7619 for help.

We provide full technical support and our experienced customer service representatives and tech support are available 24/7/365.

Yes. A statement is mailed out monthly. It contains information on all deposits into your account, your total sales volume, and the charges for the month. There is a monthly statement/customer service fee.

Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you. Our discount rates are exceptionally low for retail (swiped), mail/telephone order, and Internet merchants.

No. Credit card transactions that are keyed-in are considered higher risk since the card is not present at the time of the sale. Merchants who do a lot of keyed-in sales (for example, mail/telephone order and Internet-based businesses) experience a higher discount rate than retailers where cards are physically presented and swiped.

Yes. Credit card processing includes both a discount rate and a transaction fee.

If you sell via mail/telephone order, or through the Internet, you don't want to send a product to a false address and risk a chargeback. The Address Verification System (AVS) lets you enter the customer's home address and compares it to the address on file with their credit card company. If someone uses a stolen card, and wants products shipped to a false address, AVS will detect this for you.