Credit Card Processing
Credit card processing allows your business to accept MasterCard® and VISA® brand credit cards. This requires a credit card merchant account.

Retail brick and mortar storefronts, mail order businesses, government and corporate card transactions, even Internet sales all need a merchant account for credit card processing. All require different credit card processing terminals or equipment. What works best for auto repair shops will not work as well for an Internet store. Call or contact us at Accept Merchant Services before you sign any other merchant agreement. Make sure you were given all of your options, because that's what we do best. We give you choices! Some accounts even quality for free POS equipment!

We provide MasterCard and Visa merchant accounts and credit card processing services for businesses to accept Government purchasing and corporate buying cards. These cards have confusing and specific rules for processing.

AMS processes credit cards and ATM debit card transactions.
We have a merchant pre-application to fill out for a first contact. Tell us about your business and which method you would prefer to use in accepting credit cards. Will your business be retail, mail order, or Internet? Select the merchant account link here, or at the top of this page to learn more.
Credit card merchant accounts have fees that help cover the cost of losses that can incur with credit card transaction processing. MasterCard, Visa, Discover, and American Express all have fees associated with maintaining a merchant account. Swiped transactions common in retail, or card in hand point-of-sale transactions, have the lowest fees. Internet processing will have one or two additional fees. Read more about it on the merchant rates and fees page. We have local service in Missouri and Illinois for retail and mail order businesses, however we set up merchant accounts for credit card processing in any state. We can only issue a merchant account to businesses in the USA only.

Do you own or represent a hospital, corporation, business chain, or franchise operation?
Does a USA government agency want to use a purchasing card at your business? Most government agencies now use these cards instead of cash or check, and the purchases can amount to thousands of dollars. The transaction processing of these cards have additional fees depending on the level of processing. (In addition, you have to use level II and level III processing for line item detail.) Most of these regulations are mandated by the government and banks. We know the regulations well.
Call or fill out our application. We can also assist you in setting up your American Express and Discover merchant accounts when we set up your MasterCard and Visa account. They have their own rules and fees. We can explain them all to you.


You can also transfer your current credit card processing over to us!
We offer personal local merchant services in Missouri and Illinois for retail and mail order accounts. We have free point-of-sale equipment for merchant accounts that qualify.

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Merchant Pre-Application

Accept Merchant Services of Cape Girardeau, MO 63701
Subsidiary of National Processing Company