Merchant Total Terms and Conditions
TERMS AND CONDITIONS (“TERMS OF USE”) STATE IMPORTANT REQUIREMENTS REGARDING YOUR USE OF MERCHANT TOTAL (MT) WEBSITE AND MT’s SERVICE AND YOUR RELATIONSHIP WITH MT.
Effective Date: 09/17/2025
Welcome to MerchantTotal.com (referred to as “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website and any services, content, information, or forms offered through it (collectively, the “Services”).
By using our website, you agree to be bound by these Terms. If you do not agree, please do not use the site.
- No Guaranty of approval
The information on this website is for general informational purposes only and does not constitute advice, approval or guaranty. Submission of your information through our contact or lead forms does not establish an obligation for approval.
- Lead Generation and Third-Party Involvement
This website is a marketing and advertising platform operated by a third-party lead generation provider. The Information you submit may be shared with one or more banks or processor companies who may contact you for further evaluation of your inquiry or application.
We do not guarantee that your inquiry or application will be accepted, nor do we make any claims about the merits of your submission.
- Accuracy of Information
You agree that all information you provide through this website is true, accurate, and complete to the best of your knowledge. Submitting false, incomplete, or misleading information may disqualify your submission or lead to disqualification by a third-party bank or processing company.
- No Guarantee of Outcome
Filing a form on this site does not guarantee any outcome, compensation, or acceptance of your company for a merchant account or ACH account.
- Use of Your Information
By submitting your information through this website, you consent to:
- Being contacted by law firms, legal service providers, or third-party partners.
- Receiving follow-up communications via phone, email, or text.
- The storage and processing of your information in accordance with our Privacy Policy.
You may opt-out of communication at any time by following the opt-out instructions provided.
- Website Availability and Errors
We strive to maintain the availability and accuracy of this website but make no guarantees regarding uptime, performance, or error-free functionality. We reserve the right to modify, suspend, or discontinue the website at any time without notice.
- Limitation of Liability
We are not liable for any damages, direct or indirect, arising from your use of this website or any third-party services you may be connected with through it.
- Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes will be handled in the appropriate courts of Georgia.
- Changes to These Terms
We may update these Terms from time to time. Continued use of the website after such changes constitutes your acceptance of the new Terms.
- Contact Us
If you have questions about these Terms or our website, please contact us at:
Email: [email protected]
Terms and Conditions for High Risk Accounts
For merchants with a monthly billing volume of at least $30,000 USD, MerchantTotal provides a comprehensive range of high-risk billing solutions tailored for global businesses. Ensuring seamless billing for consumer bank accounts and credit cards is essential for any international company. Equally important is the ability to accept major payment networks such as VISA, MasterCard, and American Express. With our merchant account and eCheck processing solutions, you can enjoy competitive rates as low as 3%, enabling you to optimize your profitability.