How long does the Approval Process take?

Once your application is complete, the processing time is usually 24 hours or less, especially if we receive your application before noon EST. If approved, we will ship your terminal equipment or software promptly.

How soon will I get my money after the transaction is processed?

Visa, Mastercard and Discover transactions are deposited next business day depending on the type of business. 

Do I need a Business License to obtain a Merchant Account?

You do not necessarily need to have a business license if you can provide a different acceptable documentation item that is required. These items vary depending upon the level of risk associated with your business.

Do I need a business checking account to obtain a merchant account? 

You only need a business checking account if your business is set up as a corporation. If it is a sole proprietorship, you may use a personal checking account or a business checking account.

Do I need to have an American Express or Discover account before I apply? 

No, you do not. We can do all this for you.

What is the Interchange Fee?

A fee paid by an acquirer to an issuer for transactions entered into interchange. The interchange fee is a percentage applied, according to Visa/MasterCard regulations, to the dollar value of each transaction. There are multiple categories of interchange, and Visa and MasterCard each have their own criteria for their own categories. A transaction must meet the specified criteria for a category in order for that category's rate to be applied. Each transaction is evaluated individually, so various interchange rates may apply within one batch of merchant transactions.

Do I have to be PCI Compliant?

Yes. Anyone who accepts credit card payments needs to comply with PCI-DSS rules.


What is Zero Cost Program?

The BluVyne Swipe Zero Cost Program is a way for you the merchant to offset your merchant service fees without increasing your overall rates. It is a method of passing a service fee to all customers while giving a discount to those who pay with cash.

What kind of business can use BluVyne Swipe program?

Just about any business that accepts credit cards can benefit from Swipe. From auto repair shops and daycare centers to retail establishments and professionals like doctors, lawyers, dentists and accountants, BluVyne Swipe can put more money in your pocket every month — a lot of it!

What do I need to get started with BluVyne Swipe?

This is the fun part. We’ll send you everything you need in one handy package. You’ll receive a payment terminal, along with signage for your front door and terminal area explaining the discount for cash-paying customers. You’ll also receive free training, as will your sales staff. You’ll also receive a great gift while supplies last.

Ok, I really like the Idea, What do I do now? 

Fill out the information on our Website and one of our Sales Rep’s will call you to coordinate the paperwork and getting you setup.   Just give us a call and one of our representatives will help you get started. Call us at 888-4BL-VYNE.

What if I don’t like the Cash Discount Program? 

We have a 100% satisfaction guarantee. If for any reason you want to stop using Cash Discount Program, we will immediately change you back to traditional interchange pricing. We got you covered!

What are my Customers going to say? 

Recent study states that 80% of consumers wouldn’t think twice about the service fee 39 cents on a $10 purchase for the convenience of using their credit card rather than carrying cash. Everyone has also fell accustomed to the standard $2-$5 ATM fees and whats great is the BluVyne Swipe Cash Discount Program is actually cheaper than those ATM fees. The Swipe Cash Discount Program is a way for you the merchant to keep your standards and quality up without having to raise prices, most of your consumers will understand and be ok with it.

Who else is using the Cash Discount Program? 

BluVyne Swipe is new, yet thousands of merchants are already using Swipe, and more are signing on every day. Gas stations have been using this program in the US for over 15 years. In addition, many national, state and local governments like the DMV, IRS, Post Offices, Schools and Courts use the cash discount program and new federal regulations now allow merchants to reclaim their fair share of processing fees.

Do I need to get a PhD to figure this out and set it up? 

Not at all. We’ve made BluVyne Swipe incredibly easy to order, set up and manage. If you have any questions, just give us a call and one of our super-smart (and very friendly) tech people we mentioned earlier will help you with any questions or concerns.

Is it Legal to Offer a Cash Discount?

As Mitchell Katz, spokesman for the Federal Trade Commission, said in May 2011, “The Dodd-Frank Law prohibits a payment card network such as Visa from inhibiting the ability to provide a discount for payment by cash, checks, debit cards or credit cards… neither surcharging nor cash discounting is illegal.”


All it takes a brief conversation with one of our professionals who will guide through the rest of the set up process.