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Frequently Asked Questions

We are Here to Help Your Business

How do I apply for a merchant account?

Applying for a merchant account is simple, there are 3 ways to apply. 1) Online, using our secure online application. 2) Download our PDF application, fill it out and fax it in. 3) Over the phone with one of our experienced representatives.

How long does it take to get approved?

In most cases, it takes just 1-2 business days once we receive a completed application and the supporting documents. However, some businesses that are considered to be higher risks could take up to 5 business days to approve.

How long does it take to receive my funds in my bank?

Depending on the time of day you close your batch, your bank will receive funds within 24-48 hours. In some cases, it can be as soon as the next day.

What do I need to set up an online business?

Setting up an online business is easy! You will need 5 things. 1)   A website   2)  A hosting company  3)  A shopping cart  4)  A Gateway Provider  5)  A Merchant account.

What equipment is best for my business?

Point of Sale (POS) equipment is changing more rapidly due to the rules of Visa & MasterCard. We will always offer the most state-of-the-art equipment to meet the compliance demands of all the associations and the specific needs of your business.

How do I qualify for the best rates & fees?

We are experts in getting you the best rates available. A “swiped” card always gets you the best rate, but there are additional ways you can qualify for lower rates. Call us today, we will analyze your current statement to show you where we can save you 10%-20% over what you are currently paying.


We have been a loyal customer using Cutting Edge Bank Card for processing our credit cards since 2006. We get excellent customer service. Our calls are answered quickly and professionally. We get the best rates with the best service. We have recommended Cutting Edge to our customers and they are very happy with the savings and service.

David Blake

Vice President, Cost Cutter Coupons Inc.

We have worked with Cutting Edge since 2006 and have found them to provide the highest level of customer service and support. They have always been very responsive to our needs and in many cases, go to the next level to handle our requirements. The staff and management of Cutting Edge have exceeded our expectations and have been consistent in their high level of service over the years. I would highly recommend their services to anyone that is seeking out quality bank card services.

Scott Hinkley

Founder and CEO, Beachhouse.com

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