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Key steps include application review, risk assessment, credit checks, and compliance verification. Merchant account underwriting is the evaluation process payment processors use to assess whether a business meets the criteria for acceptingcreditcardpayments.
For example, the interchange fees for online transactions may be higher due to the higher risk of creditcard fraud. Interchange fees are set by creditcard issuers, such as Bank of America, Citi, or Chase, and are adjusted every year in April and October. These fees also vary depending on the card network.
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