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approval guidelines
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 standard 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
  • 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

prohibited businesses
Click the link below for a listing of businesses that are not eligible for a Total Merchant Services credit card merchant account:


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1336 El Camino Real, Suite 152 ● Millbrae, CA 94030  ● Tel. 1- 800-713-9781  ● Fax: 1- 650-745-1216