If you run a retail storefront, you need to accept credit cards. According to the U.S. government, nearly 75-percent of American families have one or more credit cards and many consider them their preferred method of payment. The fact is, if you don't accept credit cards your customers will likely go to someone who can.
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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, a merchant considered "high risk" or merchants on Visa/MC's TMF 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
LEVEL 1 (Retail)
Description Description for TMS Auto Approval