Check Our FAQ

What is a Merchant Account?

A merchant account is a commercial bank account established by contractual agreement between your business and the banks we represent. A merchant account enables your business to accept credit card payments from your customers.

Why does my business need to accept credit cards from my customers?

A merchant account is a commercial bank account established by contractual agreement between your business and the banks we represent. A merchant account enables your business to accept credit card payments from your customers.

How do I apply for a merchant account?

Simply, link to our online application and submit the requested information. You may also email us at or call Jack Daryanani at 1-702-223-0616 for further assistance on setup, or other processing related questions.

How long will it take for my application to be processed?

In 24 hours your company will be able to accept credit cards from your customers. Our processing department specializes in expediting your application so you can immediately start accepting credit cards from your customers. All necessary paperwork will be sent next day via FedEx.

What credit cards will my business be able to accept?

We will apply for your business to accept all 5 major credit cards: Visa, Mastercard, American Express, Discover and Diners Club.

What type of equipment should my business use to process credit cards and checks?

We offer your business four options for processing credit card and check orders: E-ProcessingNetwork: Secure, real-time credit card and check processing for your website. Merchant Master Software for PC’s Macintosh and DOS for your Mail/Phone order business. Swipe terminals and supplies for retail merchants. We have the software or terminals(s) your business will require at competitive lease and purchase prices.

Will my business be able to purchase or lease the software and/or equipment I need?

American Merchant Systems offers both leasing and purchasing options for your business. This includes a 24-hour replacement policy and free immediate upgrades within our E-ProcessingNetwork software package while you’re processing with us.

Will my business receive a statement on the transactions processed?

As an American Merchant System merchant you will receive a comprehensive statement detailing your credit card transactions. This also comes with 24-hour customer service to assist you with all merchant account related questions.

How will my business receive payment for each transaction?

Once the transaction has been approved your customer’s charges are deposited directly from our credit card processor to your bank account. Transaction deposits range from 24-48 hours from the date of the transaction.

How is the lease payment determined?

The lease payment is based on the type of credit card terminal, printer, or software you choose and the number of months you select, i.e., 12, 24, 36, or 48 months. Leasing is an attractive alternative when you want to preserve working capital, have a tax deductible business expense, and a low down payment. At the end of lease you may continue month-to-month, buy-out the lease at fair market value, or terminate the lease.

How does E-ProcessingNetwork integrate with my website?

E-ProcessingNetwork setup is quick and easy. The merchant or webmaster simply establishes a link between the E-ProcessingNetwork secure server and the merchant’s website. Examples of the linking HTML code can be found in the E-ProcessingNetwork Integration and Developers Utilities

How can I customize the E-ProcessingNetwork transaction form?

The E-ProcessingNetwork transaction form can be configured by clicking the “Edit Configuration” option in the Merchant Menu. By e-mailing the merchant’s logo and any background graphics to

Are my funds guaranteed?

Any customer has the right to dispute a credit card charge from the card’s issuing bank. If a charge is challenged, a retrieval request will be sent to the merchant asking for proof that a sale had been made by the customer. In addition, the merchant’s credit card processor has the right to discontinue service for many reasons. And finally, a merchant should take due diligence to protect against someone trying to order merchandise with stolen cards by becoming familiar with the process.

What is Address Verification Service?

AVS is a service that is built into the authorization process to help prevent fraudulent transactions. The numerical portion of a consumer’s address is sent along with the transaction data and is matched against the address that is registered with the consumer’s credit card from their issuer’s bank. A response code is sent back with the approval (or decline) message that indicates a match or not. Currently, a match or mismatch is simply reported back to the merchant and does NOT result in a transaction decline. The merchant then has the option to contact their customer to confirm the correct address before they ship any goods.

How do I get technical assistance?

After you have consulted our technical manual and still require additional support, we ask that an email to detailing the question at hand will allow our technical service advisor to research the question at hand (please include with question your business name, phone number, and contact name.)

Is E-ProcessingNetwork integrated with my shopping cart?

Our service needs to be compatible with the merchants shopping cart software. E-ProcessingNetwork can integrate with several shopping cart programs; however some companies “Lock Out” competing payment services such as E-ProcessingNetwork. Contact American Merchant Systems at for compatability of shopping carts.

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