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Do I need to register with the card brands?

Cash-discount merchants are not required to register with the card brands, whereas surcharging merchants must register. AND handles registration on your behalf.

If you intend to surcharge, registration is required. Cash discounting does not  require registration. But if you're required to register, don't worry! AND will assist you in getting you registered with each card brand - that's what we're here for. We’ll provide the appropriate forms to begin the process of registering your business for surcharging, and get everything setup on your behalf. Before you are able to begin surcharging, Visa/MasterCard require a 30 day notice to both themselves, and your acquiring bank. There are additional "hurdles” to keep in mind when considering adding a surcharge to your credit card acceptance, but don’t be alarmed – it’s our job to help make this is a simple and easy process. See why AND is the trusted source for zero-cost processing.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets.