Merchant Account Services Orange County

If you're looking for online merchant account services, Orange County's E-Commerce Exchange (ECX) might be the best solution for you, no matter where you are located or what type of business you operate.

E-Commerce Exchange Orange County began in 1989 as a two person home-based business in Mission Viejo, CA. In less than twenty years,the Orange County-based company grew to a nationwide organization with more than 150 employees and representatives in 17 offices across the United States. The company is a registered independent sales organization and member service provider (ISO/MSP) of Wells Fargo Bank.

EXC Orange County provides electronic transaction solutions that enable home-based businesses, online companies, and telephone and mail order organizations to accept non-cash payments. Companies that utilize EXC's services have the ability to process the following types of transactions:

• American Express
• Discover
• Diners Club
• MasterCard
• Visa
• ATM
• Debit cards
• Electronic checks

When you choose to work with EXC Orange County, you'll be able to get everything you need to set up a fully functional e-commerce business from a single source. Instead of having to get your merchant account from one company and your payment processing solution from another, you can rely on EXC for both. Your account can be set up to include everything you need to sell products and take payments using an e-commerce business model.

Services provided include:

• Merchant account – Relationship with bank that allows the company to accept electronic payments.
• Software – Application that allows both online and retail store front payment processing.
• Shopping cart - Application that allows customers to purchase multiple items in a single transaction.
• QuickCommerce- Secure server link for online transactions.

EXC's business model is specifically designed to meet the needs of small business owners who need the power of simple and effective electronic payment processing. Benefits of working with the company include:

• High approval rate – More than 99 percent of companies that apply for merchant accounts through EXC are approved. This is significantly higher than the bank approval rate for new merchant accounts, which averages between 60 and 70 percent. This is because EXC is able to approve companies that have a hard time getting approved for merchant accounts through traditional banks and credit card processors, including:
  • Businesses considered high risk
  • Businesses owned by individuals with credit problems
  • Home-based businesses
  • New companies
  • Non-conventional businesses
• Speedy merchant account setup – EXC customers can expect their merchant accounts to be established in five to seven business days. This is significantly less time than it can take to set up a merchant account through a bank. It's not uncommon for banks to take between 15 and 45 days to establish new merchant accounts.
• Cash Advance Option – Qualifying merchants can participate in EXC's cash advance program, which can provide working capital for business operations and growth.
• Customer Service – EXC provides clients with both telephone and email help desk and customer service support, as well as the ability to make many account changes via the Internet.

If you're interested in opening a merchant account with E-Commerce Exchange of Orange County, you can apply online or submit a request for pre-qualification. In order to be approved, businesses must meet the following criteria:

• Company must be located in the United States
• Organization must be a legitimate business enterprise
• Must have a checking account
  • Personal account for sole proprietorships
  • Business account for corporations and partnerships
• Applicant must be 18 or older
• Company cannot have an open or current bankruptcy
• Organization cannot be on EXC's list of restricted business types

To get a sense of how EXC's online payment processing system works, you can view live demos of the company's payment gateway and QuickCommerce applications. If you're interested in finding out how merchant account services Orange County can benefit your business, fill out an online information request form or call 800-418-9285.

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