Getting Approved

If you meet our liberal approval guidelines, your application can be approved quickly and simply. In most cases, we can tell you in minutes if your application will be approved, and can complete the entire process in a matter of days.   We have two types of approval guidelines:


Type 1: TMS Auto-Approval
If you meet our Auto-Approval Guidelines noted below, it means that you will be approved regardless of the owner's personal credit history. The only exceptions are for merchants in a current bankruptcy that has not been discharged for a minimum of six months, for merchants on Visa/MC's CTMF File, and for merchant applications that have falsified or fictitious information.

Type 2: TMS Approval
If you do not meet the Auto-Approval Guidelines, you can still get approved! Your application will simply need to be supported by any one of the following:

• Owner with a good, established personal credit history.
• Business or personal financial statements or tax returns .
• Current credit card processing statements .
  
   

TMS Auto Approval Guidelines
LEVEL 1 (Retail)
Description	Requirements for TMS Auto Approval
90%+ Card Swiped       Future Service Liability Less          Than  30 Days*        Acceptable Type of Business	Visa/MC Monthly Volume                Less Than $200K         Average Ticket Less Than              $300         Future Service Liability Less           Than 30 Days*            Acceptable Type Of             Business
LEVEL 2 (Retail/Service/Trade Show)
Description	Requirements for TMS Auto Approval
Less Than 90% Card               Swiped       Future Service Liability  Less         Than 30 Days*       Acceptable Type of Business	Visa/MC Monthly Volume            Less Than $10K       Average Ticket Less Than          $300       Future Service Liability Less         Than 30 Days*       Acceptable Type Of Business
*this means that the product is received by the customer or the service has been completed by the merchant within 30 days of charging the customer's credit card

Restricted and Prohibited Category Businesses       Certain business types fall under the Restricted or Prohibited Category.  For a listing of businesses that are not eligible for a Total Merchant Services credit card merchant account click here: