Merchant Accounts: Why do I need a retail merchant account if I already have an internet merchant account for the Auto-Debit System®?

Although you could use the swiper to capture the credit card data and process the transaction using your existing internet (MOTO) merchant account, you would still be charged the card-not-present rate. Our card-not-present rate is great for auto-debits, however, the swiped-rate with a retail account is even lower!