The fastest-growing segment of credit card use today is in "card-not-present" transactions in which a customer is not physically present at the merchant's location, but instead makes his or her purchase by mail order or telephone order (MOTO), by facsimile, or via the Internet.
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If you meet our liberal approval guidelines, your application can be approved quickly and simply. In most cases, we can tell you in minutes if your application will be approved, and can complete the entire process in a matter of days.

We have two types of approval guidelines:

Type 1: TMS Auto-Approval
If you meet our Auto-Approval Guidelines noted below, it means that you will be approved regardless of the owner's personal credit history. The only exceptions are for merchants in a current bankruptcy that has not been discharged for a minimum of six months, for merchants on Visa/MC's CTMF File, and for merchant applications that have falsified or fictitious information.
Type 2: TMS Approval
If you do not meet the Auto-Approval Guidelines, you can still get approved! Your application will simply need to be supported by any one of the following:
  1. Owner with a good, established personal credit history
  2. Business or personal financial statements or tax returns
  3. Current credit card processing statements

TMS Auto Approval Guidelines
*this means that the product is received by the customer or the service has been completed by the merchant within 30 days of charging the customer's credit card

prohibited businesses
Click here for a listing of high risk businesses that are not eligible for a Total Merchant Services credit card merchant account:

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Total Merchant Services (TMS) is a registered ISO/MSP for HSBC Bank USA, National Association, Buffalo, NY

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