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Want To Accept Credit Card Payments Instantly? Here’s What You Need To Know First

When it comes to instant processing or same-day funding, there is no magic bullet, but some credit card processors can move more quickly than others.

    Chris Motola
  • Last updated onUpdated

  • Matt Sherman
  • REVIEWED BY

    Matt Sherman

    Lead Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

Every business owner knows that controlling cash flow is essential to survival. You might be wondering how to get your money as quickly as possible. You could get your cash the same day or the next day with instant credit card processing services.

For most businesses, incoming cash flow includes credit and debit card sales, but a lot of behind-the-scenes work happens between that initial swipe or dip of the card and the money finally being deposited into your account. Though much of this money transfer is automated these days, delays still happen.

Below, we give some tips on how to get your funds quickly and recommend some reputable credit card processing companies for small businesses that can process your payments fast. Read on to find out more!

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  • Best for new businesses
  • Same-day transfers cost 1.75%
  • Monthly fees: $0+
  • Best for new businesses
  • Same-day transfers cost 1.75%
  • Monthly fees: $0+

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  • Best for eCommerce businesses
  • Same-day transfers cost 1%
  • Monthly fees: $0
  • Best for eCommerce businesses
  • Same-day transfers cost 1%
  • Monthly fees: $0

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  • Best fast approval for mature businesses
  • Next-day transfers offered by default
  • Monthly fees: $10+
  • Best fast approval for mature businesses
  • Next-day transfers offered by default
  • Monthly fees: $10+

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  • Best for growing businesses
  • Next-day transfers available for $10/month
  • Monthly fees: $0+
  • Best for growing businesses
  • Next-day transfers available for $10/month
  • Monthly fees: $0+

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  • Best for mid-sized businesses
  • Next-day transfers included in the basic service
  • Monthly fees: $14.99
  • Best for mid-sized businesses
  • Next-day transfers included in the basic service
  • Monthly fees: $14.99

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  • Best for new and very small businesses
  • Same-day transfers cost 1%
  • Monthly fees: $0+
  • Best for new and very small businesses
  • Same-day transfers cost 1%
  • Monthly fees: $0+

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  • Best for independent contractors
  • Same-day transfers cost 1%
  • Monthly fees: $0+
  • Best for independent contractors
  • Same-day transfers cost 1%
  • Monthly fees: $0+

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  • Best direct processor
  • Next-day funding available to customers with a Chase business bank account
  • Monthly fees: $0+
  • Best direct processor
  • Next-day funding available to customers with a Chase business bank account
  • Monthly fees: $0+

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Read more below to learn why we chose these options.

Table of Contents

Can You Really Get A Same Day Merchant Account Approval?

Getting a same-day merchant account approval requires using merchant services with an expedited vetting process. This usually means going through a third-party processor, such as Square, Stripe, or PayPal. Just be aware that if you go this route, you’re not getting your own merchant account but are instead being aggregated into a large pool of merchants.

While third-party processors can be an excellent option for low-risk businesses, high-risk businesses won’t be able to use them. You should also be aware of the account stability issues that tend to plague third-party processors. Likewise, merchant services that offer expedited approval will usually only do so for low-risk businesses.

Why Being Able To Accept Credit Card Payments Instantly Doesn't Mean Instant Funding

If you’ve ever shopped around for a payment card processor for your business, you’ve probably visited more than a few websites that promise Instant Approval! or No-Hassle Setup! These promises often assure you that you can Get Your Money Right Away! Account approval and funding are not the same thing.

Being instantly approved/signed up to take payment card sales and getting the money from your first credit/debit card sale are two completely different things. It’s helpful to know the difference between credit and debit transactions so that you understand the process.

The approval/sign-up part involves checking the creditworthiness of your business (and often your personal creditworthiness).

Getting the money from your payment card sales involves the mechanics of bank-to-bank money transfers.

Next-Day Funding For Merchant Account Services

With next-day funding, merchants receive the funds from their credit card transactions within the next business day.

Typically, you’ll have to process your daily batch before a designated time for the funds to be available for the next business day. You’ll also want to check with your payment service to see how it handles Friday and Saturday transactions; in many cases, next-day means “next business day.”

Same-Day Funding For Merchant Account Services

Same-day funding for credit card processing allows a merchant to access the funds from their recent credit card transactions on the same day they send their batch.

Like next-day funding, you’ll have to process your batch before a designated time to get your funds on schedule. Generally, the cutoff time will be early in the day rather than at the end. Because of this, same-day funding can be useful to businesses that are open overnight.

Same-day funding is more likely to have maximum limits on the amount you can get advanced than next-day funding.

Instant Deposits & Other Options For Merchant Account Services

Faster still are instant deposits, which make your money available immediately after a transaction. If it sounds like there’s a catch to this, you’re right.

Most services offering instant deposits do so as part of their broader payment infrastructure. For example, Square offers instant deposits with its Square Checking service. It can do this because there’s no need to transmit the payment information to a third party. Square is both your processor and your bank. This works similarly with digital wallet transfers on a service such as PayPal or similar peer-to-peer transactions.

How Soon Do You Need Your Funds?

Fast funding sounds great on paper, but since it can often come with added expenses or limitations, you should consider which, if any, type of expedited funding fits your business model.

Next-day funding should be sufficient for businesses that occasionally need to smooth out cash flow with faster deposits. Same-day deposits will interest businesses that make a lot of sales during non-business hours and would regularly miss the batch deadlines for next-day funding.

As for instant deposits, you’ll want to consider the value of the platform you’re signing up for and to what degree you’re willing to centralize your accounts under it. If you’re cool with having your payment service double as a money-storing account, instant deposits are a significant perk.

The 8 Best Merchant Services For Instant Credit Card Processing Approval & Fast Funding

Below are eight of the best instant merchant accounts that offer fast approval and funding. Our list includes excellent merchant services and payment processing services from companies including:

  1. Square: Best For New Businesses
  2. Stripe: Best For eCommerce Businesses
  3. Treati.io: Fast Approval For Mature Businesses
  4. Helcim: Best For Growing Businesses
  5. Host Merchant Services: Best For Mid-Sized Businesses
  6. PayPal: Best For New & Very Small Businesses
  7. Wave Payments: Best For Independent Contractors
  8. Chase Payment Solutions: Best Direct Processor

1. Square: Best For New Businesses

Square


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Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.

Pros

  • Predictable flat-rate fees
  • No monthly fees
  • Massive feature set
  • Offers next-day, same-day, and instant deposits

Cons

  • Account stability issues
  • Not suitable for high-risk industries

Why We Chose Square For Instant Credit Card Processing

Square is less of a payment processor than a payment ecosystem designed to quickly onboard new businesses. Square's standard transfer schedule is faster than most services, with payments made before 5 PM PT landing in your bank account as soon as the next day.

Square offers same-day transfers for the cost of 1.75% of the amount being transferred from your Square account to your bank account. You can move up to $10,000 per transfer this way.

Square also offers instant funding for Square Checking customers. Since no third-party bank is involved, Square Checking allows you to access your funds immediately and spend them with the Square Debit Card.

Square Features

Square’s massive feature set includes the following:

  • Aggregated account for credit and debit card processing
  • Mobile card reader (magstripe-only) included free with an account
  • EMV and NFC-capable card readers are available
  • Square Register POS system available
  • ACH processing included with every account
  • Square Online Store for eCommerce businesses
  • Basic Square Invoices feature included at no extra cost
  • Analytics and reporting available through Square Dashboard

Square Pricing

  • No setup or application fees
  • $0/month for Square Free account ($29+/month for Square Plus accounts)
  • 2.6% + $0.10/card-present transaction
  • 2.9% + $0.30/online transaction
  • 3.5% + $0.15/manually keyed-in transaction
  • 2.9% + $0.30/invoice paid via credit or debit card
  • 3.5% + $0.15/invoice paid via card on file
  • 1%/ACH transaction (minimum $1 charge)
  • No ACH reject or chargeback fees
  • Square Contactless & Chip Reader — $49 each
  • Square Stand With Contactless & Chip Reader — $169
  • Square Terminal — $299
  • Square Register — $799 (or $39/month for 24 months)

Get Started With Square

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2. Stripe: Best For eCommerce Businesses

Stripe Payments


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Pros

  • Predictable flat-rate pricing
  • No monthly fees
  • Massive feature set
  • Offers instant deposits

Cons

  • Account stability issues
  • Not suitable for high-risk industries

Why We Chose Stripe For Instant Credit Card Processing

Stripe is a third-party processor focused on eCommerce transactions. Like other third-party processors, Stripe's approval process is fast and relatively easy, making it a good option for businesses that need to be up and running quickly.

Stripe's default payout schedule is a little slower than some competitors, with payments usually landing in your account after two business days. While account activation is fast, Stripe does do some risk mitigation upfront. New accounts should know there's a seven-day delay in receiving your first deposit.

Stripe also offers instant payouts to customers in good standing and charges 1% of the amount being transferred.

Stripe Features

Stripe has a reputation for quickly iterating on features and for being one of the more inventive payment processors in the business. Features include:

  • Stripe Payments integrated payments platform
  • Stripe Virtual Terminal
  • Stripe Radar anti-fraud protection
  • Stripe Terminal API & card readers for card-present transactions
  • ACH processing included with every account
  • Extensive library of APIs and developer tools
  • Broad support for international payments and local payment methods
  • Many ancillary services for establishing and running your business

Stripe Pricing

  • No monthly fees for a basic account
  • 2.9% + $0.30/online credit/debit transaction (+0.5% for manually entered transactions)
  • 2.7% + $0.05/in-person credit/debit transaction via Stripe Terminal
  • +1.5% for international cards
  • +1% for currency conversion (if required)
  • 0.8%/ACH direct debit transaction ($5.00 maximum)
  • 1.2%/ACH direct debit transaction (two-day settlement)
  • $1.00/ACH credit payment
  • $1.50/instant bank account validation
  • Additional fees for optional add-on services

Please refer to our full breakdown of Stripe’s pricing for additional details.

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3. Treati.io: Fast Approval For Mature Businesses

Treati.io


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Pros

  • Transparent interchange-plus pricing
  • Quick setup and approval
  • Fast deposit times by default
  • Good feature set

Cons

  • Not suitable for low-volume businesses

Why We Chose Treati.io For Instant Credit Card Processing

Even if you aren't concerned about speed, Treati.io is a solid choice for established businesses, offering transparent interchange-plus pricing. Though its feature list is lean, Treati.io makes up for it with simple, transparent service and expedited onboarding.

Treati.io Features

  • Full-service merchant accounts
  • Accepts most high-risk industries
  • POS terminals and mobile readers
  • ACH payments
  • First- and third-party payment gateways

Treati.io Pricing

  • In-Person: Interchange + 0.4% + $0.10; $10 monthly fee
  • Online: Interchange + 0.75% + $0.20; $20 monthly fee

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4. Helcim: Best For Growing Businesses

Helcim


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Pros

  • Transparent interchange-plus pricing
  • Processing costs decrease with business growth
  • Accepts international payments
  • Next-day deposits available

Cons

  • Not suitable for high-risk industries

Why We Chose Helcim For Instant Credit Card Processing

Many of the payment processors on this list use flat-rate pricing. While that offers advantages to lower-volume businesses, it tends not to scale well to higher-volume merchants. Businesses in the latter group looking for a fast turnaround time on deposits should consider Helcim, even if it's not quite as fast on the payout. Helcim offers payouts within one to two business days for most US merchants, with next-business-day transfers for weekend transactions. You can also opt for next-business-day deposits as standard for $10/month, which is different than many other processors.

Helcim Features

Helcim accounts come with a full range of essential payment processing features, including the following:

  • Full-service merchant account
  • Proprietary Helcim Card Reader for in-person payments
  • Helcim Payments app for mobile processing
  • Virtual terminal included with each account
  • Helcim POS software (requires tablet, laptop, or desktop computer)
  • Access to Helcim API for customized credit card payments

Helcim Pricing

  • Interchange + 0.40% + $0.08/card-present transaction (volume discounts available)
  • Interchange + 0.50% + $0.25/card-not-present transaction (volume discounts available)
  • Helcim Card Reader — $109/unit
  • No monthly or annual account fees
  • No PCI compliance fees
  • No monthly minimum

Get Started With Helcim

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5. Host Merchant Services: Best For Mid-Sized Businesses

Host Merchant Services


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Pros

  • Transparent interchange-plus pricing
  • No setup fees
  • No monthly minimums
  • No early termination fee

Cons

  • It may not be suitable for low-volume businesses

Why We Chose Host Merchant Services For Instant Credit Card Processing

Host Merchant Services offers interchange-plus pricing by default, and at competitive rates, especially for restaurants. High-risk merchants can even find a home with Host Merchant services, although they should expect less favorable terms than low-risk merchants.

Host Merchant Services offers next-funding with all of its payment plans, so you won't be waiting long for your money.

Host Merchant Services Features

Host Merchant Services tends to fly under the radar due to its small size but offers a full range of products and services and fully transparent pricing. Here are the highlights:

  • Full-service merchant accounts
  • Accepts most high-risk industries
  • Full line of countertop and mobile credit card terminals
  • Free terminal available to merchants processing over $20,000/month
  • Vital and SwipeSimple mobile processing solutions
  • Proprietary Bonsai POS system available
  • Clover and Vital POS systems are available
  • Authorize.Net payment gateway
  • Proprietary HMSExpress payment gateway
  • Virtual terminal included
  • Web hosting included with an account
  • Cash discounting program available

Host Merchant Services Pricing

  • No application or setup fees
  • $14.99/month account fee
  • Interchange + 0.25% + $0.10/retail transaction
  • Interchange + 0.20% + $0.09/restaurant transaction
  • Interchange + 0.35 + $0.10/eCommerce transaction
  • $5.00/month gateway fee (optional)
  • $15 chargeback fee
  • No PCI compliance fee
  • No early termination fee

Get Started With Host Merchant Services

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6. PayPal: Best For New & Very Small Businesses

PayPal


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Pros

  • Predictable flat-rate pricing
  • Quick setup and approval
  • No monthly fees
  • Massive feature set

Cons

  • Transaction rates aren’t competitive
  • Not suitable for high-risk industries

Why We Chose PayPal For Instant Credit Card Processing

PayPal is a breeze to get started with and easy to use, but it's a bit more expensive than its third-party processor competitors. The costs will add up fast if you're doing a higher volume of transactions. That said, PayPal remains one of -- if not the most -- feature-complete payment platforms.

PayPal was really the first third-party processor to offer instant access to your money from credit card payments. By default, funds are available in your PayPal account almost as soon as the transaction is complete.

You can spend the money online anywhere that PayPal is accepted, and if you have a PayPal debit card, you can spend your money anywhere that accepts Mastercard. Transfers to a bank account can take up to five days, but it will depend entirely on your bank. You can also initiate an instant deposit for 1% of the transfer amount.

PayPal Features

PayPal’s feature set is exhaustive and includes:

  • Aggregated account for credit and debit card processing
  • Dynamic currency conversion
  • Recurring billing and subscriptions
  • ACH processing
  • Invoicing
  • Native POS and card reader
  • eCommerce integrations
  • Mass payouts
  • Developer tools and APIs

PayPal Pricing

PayPal’s transaction fees have grown rather complex as of late. Check out our complete guide to PayPal merchant fees to understand what it will cost you to use it.

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7. Wave Payments: Best For Independent Contractors

Wave


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Pros

  • Predictable flat-rate pricing
  • Basic features are free
  • Useful features for independent contractors

Cons

  • Not suitable for large businesses
  • Limited payments features

Why We Chose Wave Payments For Instant Credit Card Processing

Wave Payments will appeal to a relatively narrow market segment, specifically those using Wave for their accounting needs. Wave offers flat-rate credit card processing as an integrated feature for its suite of accounting tools.

While not as fully featured as many other services offering flat-rate credit card transactions, Wave Payments does offer instant payouts. You can withdraw any amount so long as it's greater than $25 at the cost of 1% of the amount transferred. Funds are usually available within 30 minutes.

Wave Payments Features

Wave Payments offers:

  • Visa, Mastercard, Discover, and American Express processing
  • ACH payments
  • Integrated into Wave platform

Wave Pricing

  • Visa, Mastercard, & Discover Transactions: 2.9% + $0.30
  • American Express: 3.4% + $0.30
  • ACH: 1% (minimum $1)

Get Started With Wave

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8. Chase Payment Solutions: Best Direct Processor

Chase Payment Solutions℠


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Pros

  • Large direct processor
  • No monthly fee with a standard account
  • Lower-than-average flat-rate pricing
  • Interchange-plus pricing available for higher-volume merchants

Cons

  • Limited pricing disclosures on the website
  • Free credit card terminal requires a long-term contract

Why We Chose Chase Payment Solutions For Instant Credit Card Processing

Direct processors have a reputation for concentrating mainly on large corporate customers, but Chase Payment Solutions takes pains to carve out some space for the little guy. Chase Payment Solutions is an excellent choice if you want to cut out the middleman and deal directly with your back-end processor.

Customers using Chase's QuickAccept app who have a Chase business bank account are eligible for next-day funding.

Chase Payment Solutions Features

Chase Payment Solutions features include:

  • Full-service merchant accounts
  • First- and third-party payment gateways
  • Virtual terminal
  • Chase mobile app/QuickAccept
  • Level II/Level III processing
  • International payments
  • Financing
  • Developer tools

Wave Pricing

Transaction fees for Chase Payment Solution’s flat-rate plan are:

  • 2.6% + $0.10 per tapped, dipped, or swiped transaction
  • 2.9% + $0.15 per eCommerce transaction
  • 3.5% + $0.10 per keyed-in transaction

Get Started With Chase Payment Solutions℠

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Methodology: How We Chose Our Top Picks

Merchant Maverick evaluates payment processors according to a number of key metrics including pricing, contract terms, features, and user reviews. Those metrics are then combined to form an aggregate rating, which we then use to compare the processor to similarly situated companies.

For this list, we heavily weighted merchant services that provide expedited approvals and/or companies that provide quick access to funds from credit card sales. Keep in mind that each provider on our list is suited to particular small business circumstances, which we’ve noted above. The best fast-approval merchant account for one merchant may not be the best for another.

Is An Instant Merchant Account Really The Best Option?

All things being equal, who wouldn’t want fast approval for their merchant account? As with most things, however, speed comes with some trade-offs. Third-party processors, which tend to make up the bulk of providers that offer fast approval, are illustrative of this.

Third-party processors typically assess that risk after you’ve signed up and have started to take payment cards. This allows them to approve your account quickly, which can be a convenient credit card processing option for startups. However, your business’s ability to process payment cards might be interrupted later after the processor has assessed the risk of doing business with you.

You might be required to establish a rolling reserve account with the processor. They might even suddenly terminate their business relationship with you. In other words, processing with third-party processors means you might have to deal with account holds or terminations. That’s not to say that every merchant who uses these services will have a problem, but almost any merchant could run into trouble.

With a merchant account provider, risk assessment is done upfront. You have to submit documents and be subject to credit checks, but your ability to take payment cards is less likely to be interrupted later. Unfortunately, due diligence takes time, which translates to no instant approval. (Some good merchant account providers still move pretty fast, even if it’s not instant.)

Why Do Payment Processors Withhold Funds From Merchants?

Payment processors withhold funds from merchants or terminate accounts when suspicious activity is detected. Here are some things that may trigger hold:

  • Unusually large transactions
  • Sales of an unfamiliar product
  • An unusually high number of fraudulent transactions
  • A high volume of chargebacks
  • Being categorized as high-risk
  • Using your merchant account for purposes other than processing credit cards

In other words, something is going on with your account that triggered a red flag. Unfortunately, this can happen even when you’ve done nothing wrong. Third-party processors, in particular, are known to be unforgiving about suspicious behavior.

6 Things You Can Do To Keep Your Same-Day Or Next-Day Funding

Many companies manage to keep their merchant accounts in good standing. There are things you can do to minimize your chances of triggering an account freeze:

Avoid Keyed-In Transactions

Keyed-in transactions imply that a human being other than the card’s owner is seeing and handling credit card information. As you might expect, this is a security risk.

If your retail shop has an unusually high number of keyed transactions, your processor may become suspicious and implement a hold or a reserve fund. Keyed transactions may take an extra few days to process. They are usually more expensive to process, so you should avoid them for your bottom line anyway.

Stay Within Your Processing Limits

Mobile processors have been known to set weekly and monthly limits for merchants based on their processing histories. You can sometimes work around these concerns by contacting your service provider and letting them know that you expect a higher-than-average volume because of a sale, special event, or new product launch.

Document High-Value Transactions

Just like unusually high overall volumes can draw the attention of your merchant account provider, so can unusually large individual transactions. Third-party processors, in particular, will usually ask for an invoice, signature, and other documentation and hold the funds until you provide the documentation or the chargeback window has closed. Some merchant accounts may also specify that for transactions above a certain value, a percentage will be subject to a hold.

Minimize Chargebacks

Try to prevent chargebacks or keep them to a minimum. A high number of them signifies to your processor that customers are unhappy with your service or you have accepted a lot of fraudulent cards. Neither situation is acceptable.

Optimize Batch Times

Unless you’re with a third-party processor, such as Square or PayPal, you can expect to pay a batch processing fee every time you submit a transaction for processing. It’s an industry-standard security process to batch out at least once in a 24-hour period. Waiting longer than that often comes with higher processing rates because of an added security risk.

Watch Your Cash Flow & Bank Balances

Lastly, keeping a steady cash flow will help you get funded faster, so you’ll need to know how to do a cash flow analysis. Some processors want to see your bank statements when a transaction is held to ensure you have the money to cover any possible chargebacks.

How To Get An Instant Merchant Accounts & Get Your Funds Fast

Whether you’re looking for fast approval or quick access to your funds, the most important thing is to select a payment processor that can accommodate you, like the options on our list.

Beyond that, there are no tips, tricks, or magic buttons to push to get your money fast when you have a merchant account. If you want to get your funds as soon as possible, you need to be a responsible merchant, establish a good processing history, minimize risky transactions, and batch out daily by the cut-off time. You might also have to pay an additional fee if you truly need “instant funding.”

Last, you have options if the worst should happen, and you have a large transaction held in limbo. Contact your processor and see what you can do to work it out. If you’re really in need of cash, you can get an emergency small business loan (a working capital loan or bridge loan, specifically). This can help keep the lights on, ensure your employees are paid on time, pay your suppliers, etc., until your cash flow can smooth out again.

Frequently Asked Questions About Instant Approvals & Deposits

How long does it take a merchant to receive funds?

Time to funding will vary by processor, but the industry average is around two days.

How do I open an instant merchant account?

To open a merchant account quickly, you’ll need to apply with a payment processor that offers fast approvals. Be aware that most companies that offer this are third-party processors like Square and PayPal that don’t provide traditional merchant accounts.

Do credit card payments post on the weekends?

Usually, weekend transactions will be floated over to the next business day. However, not every payment processor handles weekends the same way.

How long does it take to get approved for a merchant account?

On average, it takes three to six business days to be approved for a merchant account. Some services, particularly third-party processors, are faster.

What credit score is needed for a merchant account?

Minimum credit scores needed for a merchant account vary by processor, but having a low credit score can land a merchant in the high-risk category, which can mean higher processing fees. The good news is that getting a bad credit merchant account is possible.

In Summary: The 8 Best Merchant Services For Instant Credit Card Processing Approval & Fast Funding

  1. Square:
    • Best for new businesses
    • Same-day transfers cost 1.75%
    • Monthly fees: $0+
  2. Stripe Payments:
    • Best for eCommerce businesses
    • Same-day transfers cost 1%
    • Monthly fees: $0
  3. Treati.io:
    • Best fast approval for mature businesses
    • Next-day transfers offered by default
    • Monthly fees: $10+
  4. Helcim:
    • Best for growing businesses
    • Next-day transfers available for $10/month
    • Monthly fees: $0+
  5. Host Merchant Services:
    • Best for mid-sized businesses
    • Next-day transfers included in the basic service
    • Monthly fees: $14.99
  6. PayPal:
    • Best for new and very small businesses
    • Same-day transfers cost 1%
    • Monthly fees: $0+
  7. Wave:
    • Best for independent contractors
    • Same-day transfers cost 1%
    • Monthly fees: $0+
  8. Chase Payment Solutions℠:
    • Best direct processor
    • Next-day funding available to customers with a Chase business bank account
    • Monthly fees: $0+
Chris Motola

Chris Motola

Senior Staff Writer at Merchant Maverick
Chris has been writing about small business topics since 2003. In 2015, he joined Merchant Maverick, where he writes about business financing, payment processing, and demographic trends in entrepreneurship. Chris has been featured in Fox Business, ABC News, Yahoo Finance, GoBankingRates, Newsweek, BizJournals, and other publications. He has a Bachelor’s of Arts in English Writing Arts from SUNY Oswego, and a Masters of Science in Interactive Media from the University of Central Florida. He currently resides in the Hudson Valley region of New York.
Chris Motola
View Chris Motola's professional experience on LinkedIn.

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