Credit Card Processing

X-act does its absolute best to provide a robust set of merchant account services to help your business grow. Our merchant services include Visa, MasterCard, American Express, Discover, Debit, CheckPoint check services, Premium Customer Care, and much more. We can also offer a business cash advance to qualified merchants.

Visa/MasterCard: These cards are the most commonly used business and personal credit cards in the United States. Whether the card is connected to a checking account (i.e. "check card"), is a regular consumer credit card, accumulates rewards, or is issued for a business, there are very few consumers that do not have a Visa or MasterCard in their wallets.

Discover: These cardholders are very loyal to Discover and prefer this card over all others. Discover cards have a very rewarding cash back program and low interest rates for their users. Accepting Discover is a must for all merchants!

American Express: Accepting this premium "charge" card is essential for all businesses. American Express cardholders have very high credit limits and spend more than the average credit card user. American Express cardholders also accumulate mileage points and insist on using their American Express cards.

PIN-Based Debit Cards: Accepting PIN-based debit cards is the 21st century way to do business. While debit cards may be processed as a credit card, at credit card rates, using a pinpad with a debit card means: 1) no required signature, 2) lower processing fees (in many circumstances), 3) extremely low risk of chargeback, and 4) the needs of the customer are met.

CheckPoint: Our check-assurance program, CheckPoint, is the best in the business. You no longer need to worry about bounced checks. With CheckPoint, you can choose paper-check guarantee or the latest technology, Electronic Check Conversion (ECC). ECC allows you to process checks just like credit cards. Insert the check in your check reader and give the check back to the customer. The funds will be transferred into your account. In addition, if an ECC transaction "bounces," you will be reimbursed the face value of the check and will not incur any bounced check fees.

Gift Cards: When you sell our reloadable gift cards to your customers, you collect payment but don't need to provide goods or services until the cards are redeemed, thus increasing your cash flow! Gift cards will not only introduce new customers to your business, but also encourage return visits when a balance remains on the card. Gift cards come with pre-designed templates, or they can be customized for your business. Introduce gift cards to your business today; our starter package is FREE!

Business Cash Advances: Whether you're a big or small merchant, cash advance programs such as Leaders Merchant Services' can help grow your business. Leaders Merchant Services can help with advertising and/or inventory or just provide additional working capital. If you have been in business for more than a year and have been processing credit cards for at least four months, you will most likely qualify for an advance! There are no upfront costs, and we can get you funded in about 10 days. Don't miss this opportunity to grow your business

Many more services are available upon request. Please don't hesitate to Contact Us with any questions.