We want to state how crucial it is to have the ability to accept credit cards for your orders. As astonishing as it may sound, credit cards will increase your orders by a proven 400% (compared to just offering the option of sending in a check or money order). These simple things mean the difference between making a profit of $100.00 a day or $400.00 a day.

1. Merchant accounts applicable for Internet transactions (most merchant accounts that you already have do not allow Internet transactions). They allow you to accept Visa, Mastercard, American Express, Discover, JCB and Diners Club.
2. Software to do real-time transactions and be fully automated (i.e. automatically sending customer receipts, etc.).
3. Gateway with real-time processing.
4. Shopping cart (if you need one).

Why should you do business with us?

• Fantastic rates - we are upfront about ALL the costs (unlike many people offering merchant accounts and have hidden costs).
• We do it all for you - we offer a TOTAL e-commerce solution so that you can take credit cards at your website without having to get other components from other companies to make it work.
• Overwhelming customer service - we are one of the most respected Internet marketing/promotion sites online so you know you are dealing with a "winning solution" that will provide the product and service you need to get set up taking credit cards at your site ASAP. You also know that we build our software from a "marketing" point of view, not a "programmers" point of view, which means it is easier to use and you get more features and automation that you need to make your business successful online.
• Almost everyone gets approved! - You will enjoy significantly more sales when you make it easier for your customers to pay for your products or services over the Internet. Accepting credit cards is an absolute necessity for Internet businesses selling products or services online.

You can expect your orders to be broken down approximately as follows:

• 80% through the secure server
• 5% through the non-secured server
• 13% through the 800 number
• 2% through regular postal mail

For example, say your business is selling software. Your customers buy your product through your secure server and are sent their software and registration information immediately after they order - as opposed to waiting for their payment via check or money order to arrive by postal mail a few days or even weeks later (not to mention how long your bank will holds these checks to verify them). If your customers are going to spend hundreds or even thousands of dollars with you, and it takes days or even weeks for them to get their software, a large amount of them won't buy. People are impulsive! If they don't get what they paid for right away, they will go someplace else. It's just that simple.

To be blunt, if you don't accept credit cards at your website, you are losing money!

It's so easy to get started. You just fill out the application and we will take care of everything else! We do not just solve one problem... we'll provide a total solution to your payment acceptance needs.

We've developed our Total Merchant Manager software products to avoid the problems of trying to put all this together. We are the merchant account provider, we are the shopping cart company, and we are the payment gateway provider. We are the one stop shop that provides a TOTAL solution.

Getting setup with one of our competitors is like buying a piece of furniture that comes in a box, with a bunch of pieces and directions. Who knows how much time you might waste trying to figure this out? Getting setup with us is like buying the furniture from a company that delivers and installs everything for you.

Which sounds like a better idea to you?

Complete our express application to see if you are approved. Don't worry, there is no obligation on your part and this application is not seen by any bank. It is just to help us understand your business and to see how we can help you do e-commerce and accept credit cards online easily and conveniently for your customers.

After we view your application and determine we can help you, we will do everything for you -- install your software, allow you to take credit cards in "realtime" at your website, the money will be automatically deposited to your bank, the customer will be sent a confirmation, you will be sent a confirmation, the information will be saved in a database for your to view and look up orders at a later date. You will never have to process a credit card manually again... let the software do it for you so you can enjoy the more important things in your life.

Before submitting your application to us it would be best to go through our Prohibited List below. This list will identify the types of businesses/services that our bank will not process. If you wish to better clarify the exact "risk status" of your business, simply complete our online Express Application and a TMS Rep will contact you directly to clarify your situation

SAMPLE OF "SPECIAL RISK" CATEGORIES COVERED BY TMS' PROGRAM

.TMS Prohibited Merchant List

• Adult Entertainment/Materials
• Airports
• Attorneys/Bankruptcy
• Auto Dealers (used cars)
• Buying/Shopping Club
• Business Opportunity
• Carpeting (custom)
• Check Cashing Services
• Collection Agencies/ Debt Collection
• Credit Restoration And/Or Repair Services
• Cruise Lines
• Direct Outbound Telemarketing
• Dating Services
• Furniture (custom)
• Future Service Liability Greater Than One Year
• Hair Loss Products
• Horoscope & Fortune Teller Services
• Investment Opportunity
• Membership Business (longer than one year)
• Mortgage Services
• MLM Sign Up Fees/Business Opportunity
• Outbound Telemarketing
• Pornographic Materials
• Products/Services With Unreasonable Guarantees
• Racing, Car, Horse, Dog
• Time Share Rentals
• Travel Agencies (selling travel/tour packages)
• Water Purifiers
• Window Treatments (custom)
• Wall Covering (custom)
• Phone card Services

If you do not fall under any of these types of services/businesses please proceed with the Express Application.