CREDIT CARD PROCESSING
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LEADERS is a California-based company which specializes in credit and debit card processing for companies of all sizes. We serve, with pride, thousands of merchants in all fifty states. We are one of the fastest growing payment providers of credit and debit card based transactions in the country. Our payment processing services enable merchants to process both traditional card-present, or "swiped" transactions, as well as card-not-present, or "keyed" transactions. More information.

 



LEADERS is a registered ISO/MSP of Wells Fargo Bank, N.A., and is committed to excellence in all aspects of our merchant services relationships. We offer competitive rates for your credit card processing needs and a wide variety of credit card terminals. Our company has one of the largest Chargeback and Fraud Departments in the industry, providing our clients with the highest level of service and protection for their merchant accounts. We`re here 24/7/365 to ensure merchant satisfaction and rapid problem resolution. Retail, home based, mail-order, or internet; we do it all.

SERVICES

 

does its absolute best to provide a robust set of services to help your business grow. These services include Visa, MasterCard, American Express, Discover, Debit, CheckPoint check guarantee, Premium Customer Care and much, much more. For more information, click here.


CheckPoint - Wouldn’t it be great to avoid bounced check losses? Our check assurance program, CheckPoint, is the best in the business. You no longer need to worry about bounced checks. With CheckPoint, you can choose paper check guarantee, or, the latest technology, Electronic Check Conversion (ECC).

 

 ECC allows you to process checks just like credit cards. Insert the check in your check reader and give the check back to the customer. The funds will be transferred into your account. In addition, if an ECC transaction “bounces”, you will be reimbursed the face value of the check, and not incur any bounced check fees.


American Express - Accepting this premium “charge” card is essential for all businesses. American Express cardholders have very high credit limits and spend more than the average credit card user. American Express cardholders also accumulate mileage points and insist on using their American Express card.


VISA/MasterCard - These cards are the most commonly used business and personal credit cards in the United States. Whether the card is connected to a checking account (i.e. “check card”), is a regular consumer credit card, accumulates rewards, or is issued for a business, there are very few consumers that do not have a VISA or MasterCard in their wallet.


Discover - These cardholders are very loyal to Discover and prefer this card over all others. Discover cards have a very rewarding cash back program and low interest rates for their users. Accepting Discover is a must for all merchants!


Debit Cards - Accepting debit cards is the 21st century way to do business. While debit cards may be processed as a credit card, at credit card rates, using a pinpad with a debit card means:

 

1) no required signature,

2) lower processing fees [in many circumstances],

 3) extremely low risk of chargeback, and

4) the needs of the customer are met.
Premium Customer Care - PCC represents the ultimate in merchant concierge services.

One low monthly fee provides an array of valuable benefits including: a lifetime warranty on equipment purchased or leased from LEADERS, free supplies (excluding shipping costs), free loaner equipment, priority status for technical support, and special discounts on peripheral equipment. If you opted out of our Premium Customer Care Program on your merchant pre-application, we urge you to join today! The benefits are in effect as long as you are a member of PCC.


Online Access - This exciting tool allows you to view all of your merchant account activity online 24/7/365. We think it is the best in the business, and if ready access to your account information is important to you, try Online Access. The first month is free!


Manual Imprinters - Visa/MasterCard regulations require a receipt for all face-to-face bankcard transactions. If your terminal should fail, you should have a manual imprinter as a backup. Rent one from us for a low monthly fee, and we will include supplies at no extra charge.

. Frequently Asked Questions (FAQ)
1. What is a merchant account?
A merchant account is a relationship between a retailer and a merchant bank. This allows merchants to accept credit card and debit card payments from customers.

2. How do I apply for a merchant account?
Click here to apply for a LEADERS Merchant Account.

3. When do credit card transactions get funded?
In most cases, your transactions are deposited into your checking account within two business days after you close your batches.

4. If I have bad credit or no credit, can I be approved for a merchant account? Our approval rate for merchant applications is 98% regardless of credit or business type (excluding prohibited merchant types).

5. What is an internet merchant?
An internet merchant is a term used for merchants who conduct business on the Internet.

6. What is a shopping cart?
A method of collecting the items chosen by a consumer for purchase from an on-line catalog.

7. Do I need a shopping cart to be an internet merchant?
No. A virtual terminal will work just as well. However, merchants that have a large number of products may find it easier to use a shopping cart.

8. What if I need help with my merchant account?
Leaders Merchant Services Customer Service representatives are available 24/7/365, toll free at (800) 876-9843.

9. If I buy a terminal from LEADERS, do I have to process with Leaders Merchant Services?
No, you can process with almost any processor.

10. What is your privacy policy?
A privacy policy states what information may or may not be released to outside sources. .

11. What kind of training is required for using a credit card terminal?
A Technical Services Department representative will train merchants to use terminals supplied by LEADERS. Also, a toll-free customer service number is provided and representatives are available 24/7/365.

12. What types of merchants does Leaders Merchant Services approve?
All types of merchants meeting our underwriting standards.

13. What is the time frame for being able to start accepting credit cards?
Once your merchant account is approved, you will be able to accept cards upon receipt of your terminal or e-commerce password. This usually occurs within 3-5 business days of your account approval.
 
14. How do I determine what terminal, equipment and/or software is best for my business?
Leaders Merchant Services will work with you to determine what best fits your needs. A sales representative will discuss with you your options and the available programs for your business needs. We have programs and equipment for virtually all businesses including: Internet/E-Commerce - Retail - Mail Order/Telephone Order (MOTO) - Restaurant - Mobile/Wireless - Business to Business, and more.





LEADERS is a registered ISO/MSP of
Wells Fargo Bank, N.A., Walnut Creek, CA