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ยฉ Creditor Academy 2025

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Your Merchant Account

Start Now

Why a Private Merchant Account?

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Direct Underwriting

Get approved as a legitimate merchant, not lumped in with thousands of others.

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Reliable Payouts

Funds in 24โ€“48 hours, not frozen for weeks.

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Custom Pricing

Interchange-plus and volume-based rates, not one-size-fits-all fees.

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Dedicated Support

An account manager who knows your business.

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Privacy and Control

Bank rails with PCI-compliant infrastructure.

Start Your Application
Private merchant processing visual

FeaturesofaPrivateMerchantAccount

Modern infrastructure, built-in security, and global-ready settlement options.

POS & Gateway Options

POS & Gateway Options

EMV-compliant terminals, mobile readers, and online gateways.

Fraud & Chargeback Protection

Fraud & Chargeback Protection

Real-time monitoring and dispute support.

PCI & EMV Compliant

PCI & EMV Compliant

Security built into every account.

Multi-Currency Settlement

Multi-Currency Settlement

Process payments worldwide and settle in your preferred currency.

Detailed Reporting

Detailed Reporting

Merchant statements, analytics, and dashboards.

Join today to get exclusive previews, live coaching, and entry to member-only community groups โ€” cancel anytime.

Transparent & Competitive Pricing

Transparent Pricing Snapshot

Scale your business with our flexible payment processing solutions designed for every stage of growth

Starter Plan

Best for small shops & new businesses

2.9% + $0.30per transaction
No setup fees
Free online portal
Payouts in 24โ€“48 hours

Ideal if you process under $10,000/month

Growth Plan

Designed for growing merchants

2.5% + $0.25per transaction
ACH payments enabled
Free virtual terminal & reporting
Payouts in 24 hours

Best if you process $10,000โ€“$100,000/month

Enterprise Plan

High volume or special industries

Custom ratesstarting at 2.2% + $0.20
Dedicated account manager
Chargeback protection tools
Same-day funding available

Tailored for High Volume

Start Your Journey Today
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How It Works

  • 1

    Apply Online

    A short, secure pre-application form.

  • 2

    Underwriting

    Your business is reviewed and approved within 24โ€“48 hours.

  • 3

    Go Live

    Start accepting cards with your private merchant account, backed by 99.9% uptime infrastructure.

Why a Private Merchant Account Beats Stripe, PayPal, and Square

Switch to Private Today
Feature
Private Merchant Account
Stripe
PayPal
Square
Payout Speed
24โ€“48 hrs (standard)
2โ€“7 days (may hold funds)
1โ€“5 days (holds common)
1โ€“2 days (can delay)
Account Type
Full Merchant Account (underwritten, direct relationship)
PSP / Aggregator (shared account)
PSP / Aggregator (shared account)
PSP / Aggregator (shared account)
Pricing Model
Interchange-Plus (transparent)
Flat rate 2.9% + $0.30 (U.S. online)
Flat rate 2.9% + $0.30 (U.S. online)
Flat rate 2.6% + $0.10 (in-person)
Support
Dedicated Account Manager
Email / Chat
Limited phone / chat
Email / limited support
Risk of Freezes
Low (private underwriting, direct review)
High (algorithm-driven risk holds)
High (common for large balances or disputes)
Medium (holds possible, esp. spikes)
Customization
High (POS, gateways, multi-currency, custom rates)
Limited
Limited
Limited
Security & Compliance
PCI + EMV included, fraud tools built-in
PCI shared responsibility
PCI shared responsibility
PCI shared responsibility
Best For
Serious businesses needing privacy, fast payouts, and stability
Startups / hobby e-commerce
Small sellers, peer-to-peer
Small retail shops, pop-ups

Payout Speed

Private Merchant Account

24โ€“48 hrs (standard)

Compare with Stripe, PayPal & Square
Stripe: 2โ€“7 days (may hold funds)
PayPal: 1โ€“5 days (holds common)
Square: 1โ€“2 days (can delay)

Account Type

Private Merchant Account

Full Merchant Account (underwritten, direct relationship)

Compare with Stripe, PayPal & Square
Stripe: PSP / Aggregator (shared account)
PayPal: PSP / Aggregator (shared account)
Square: PSP / Aggregator (shared account)

Pricing Model

Private Merchant Account

Interchange-Plus (transparent)

Compare with Stripe, PayPal & Square
Stripe: Flat rate 2.9% + $0.30 (U.S. online)
PayPal: Flat rate 2.9% + $0.30 (U.S. online)
Square: Flat rate 2.6% + $0.10 (in-person)

Support

Private Merchant Account

Dedicated Account Manager

Compare with Stripe, PayPal & Square
Stripe: Email / Chat
PayPal: Limited phone / chat
Square: Email / limited support

Risk of Freezes

Private Merchant Account

Low (private underwriting, direct review)

Compare with Stripe, PayPal & Square
Stripe: High (algorithm-driven risk holds)
PayPal: High (common for large balances or disputes)
Square: Medium (holds possible, esp. spikes)

Customization

Private Merchant Account

High (POS, gateways, multi-currency, custom rates)

Compare with Stripe, PayPal & Square
Stripe: Limited
PayPal: Limited
Square: Limited

Security & Compliance

Private Merchant Account

PCI + EMV included, fraud tools built-in

Compare with Stripe, PayPal & Square
Stripe: PCI shared responsibility
PayPal: PCI shared responsibility
Square: PCI shared responsibility

Best For

Private Merchant Account

Serious businesses needing privacy, fast payouts, and stability

Compare with Stripe, PayPal & Square
Stripe: Startups / hobby e-commerce
PayPal: Small sellers, peer-to-peer
Square: Small retail shops, pop-ups
๐Ÿงพ

FAQs

Frequently asked questions

Discover how we tailor our solutions to meet unique needs, delivering impactful strategies, personalized branding, and exceptional customer experiences.

Have doubts? Let's resolve them together.

Get a friendly, no-pressure consultation with our team. Share your situation, ask anything, and walk away with clear next steps.

Free, no-obligation assessment
Average response time: under 2 hours
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