O3 Merchant Services boasts vast expertise in assisting merchants across both low and high-risk sectors. Our core belief in fostering equal opportunities for all businesses to flourish in the market drives our commitment. This dedication is reflected in our exceptionally high approval rates, standing at 98% for account services. We proudly approve merchants, even those with credit scores as low as 500, ensuring inclusivity and accessibility within our services.

For low to moderate risk merchant accounts, the typical setup time ranges from 24 to 72 hours upon receipt of all requested documentation. However, for high-risk accounts, the underwriting process may extend the timeline. On average, setup time for high-risk accounts is approximately 1 to 2 weeks following the receipt of all requested documentation.

Numerous factors are considered during the underwriting process. Business types with heightened chargeback risks fall under the category of “High Risk.” High-risk industries encompass a range of sectors, including but not limited to:
 -> Negative Option Billing
 -> Online Nutraceutical Sales
 -> Adult Content/Streaming
 -> CBD and Marijuana Products
 -> Online Tech Support
 -> Multi Level Marketing
 -> Business Opportunity

A merchant account is a facility that empowers businesses to receive payments via credit cards from their customers, whether it’s online, in person, or manually keyed in.

PCI Compliance constitutes a collection of security standards mandated for all merchants and vendors to adhere to, guaranteeing the protection of customer credit card data. It is imperative for every merchant to achieve PCI compliance. To attain compliance, merchants are required to fulfill a compliance questionnaire and undergo any relevant scans.

Yes, we are committed to ensuring that all our merchants achieve PCI compliance. Should you have any inquiries regarding compliance or require assistance with your questionnaire, our support team is available during business hours at 818-500-0001.

Although your personal credit may not always be a decisive factor in securing a business merchant account, a low personal credit score could prompt underwriters to request supplementary documents such as company bank statements and other financial records to evaluate your business’s stability.

Although your personal credit may not always be a decisive factor in securing a business merchant account, a low personal credit score could prompt underwriters to request supplementary documents such as company bank statements and other financial records to evaluate your business’s stability.

Every merchant account includes the capability to accept major credit cards like Visa, MasterCard, Discover, and American Express. Additionally, merchants can apply to accept other payment methods such as PIN-Debit, e-check, fuel cards, EBT, and gift cards.

Certainly. Each merchant account includes access to a complimentary iOS mobile application for processing payments. Furthermore, we offer paid mobile applications for Android users and merchants with specific requirements. and merchants with other special requirements.

Yes. Each month, you will receive a statement via mail and/or email outlining all your payment details for that month. This includes deposits made into your account, your total sales volume, and associated charges. Additionally, you can access this information online for real-time updates and current data.

A Payment Gateway, also referred to as a Virtual Terminal, offers merchants a secure way to process payments and accept credit cards. It allows merchants to manually input transactions, send invoices, and establish recurring payments. These gateways are equipped with fraud filters to reduce fraudulent transactions and mitigate the risk of chargebacks for the merchant.

With O3 Merchant Services, every merchant account includes complimentary access to a cutting-edge payment gateway.

All credit card processing firms are mandated to safeguard customers’ payment details. Regardless of the chosen company, the payment processor must ensure a robust security level for transactions, adhering to PCI-DSS (Payment Card Industry Data Security Standard Certification) standards.

You can reach O3 Merchant Services Customer Support Monday through Friday from 9 am to 5 pm PST by calling (818)500-0001. Additionally, you can email us anytime at support@o3merchant.com.

Statistical data confirms that providing customers with the option to pay by credit card can potentially double or even triple your existing sales figures. Research indicates that individuals tend to spend more when using cards instead of cash. Furthermore, credit card payments streamline the transaction process, benefiting both customers and business owners with enhanced efficiency and speed.

A POS, or Point-of-Sale system, provides more extensive functionalities compared to a traditional terminal or virtual terminal. These systems frequently assist with inventory management, employee monitoring, and analyzing sales trends.

-> Restaurants
 -> Bars/Nightclubs
 -> Clothing Stores
 -> Convenience Stores
 -> Food Trucks
 -> Supermarkets
 -> Vape Shops

Your business falls under the RETAIL category if over 80% of your credit card transactions involve physical swiping or inserting of cards.
Your business is categorized as MOTO (Mail Order/Telephone Order) if over 20% of your orders are conducted via telephone or mail order, where an agent manually enters credit card payment details.
Your business falls under the E-Commerce category if sales predominantly occur through a website payment form or shopping cart, surpassing the RETAIL and MOTO thresholds.

With O3 Merchant Services, you won’t encounter any hidden fees! We fully disclose your itemized fees when you sign up, and rest assured, these fees remain guaranteed for the lifetime of your account.

EMV (Euro Mastercard-Visa) refers to chip-embedded cards. Compliance with EMV standards has been mandatory for merchants since October 2015. Failure to comply with EMV standards means that merchants are liable for any fraud that occurs.