Merchant Services and Credit Card Processing
AppWT is now a referral partner of Cutting Edge Advantage, a merchant service provider. We get your website and checkout ready, and they board the account.
Take Payments In Store, Online, and On the Go
Cutting Edge Advantage publishes three ways to accept a card. Most businesses we refer use more than one.
In Store
Countertop payment acceptance with EMV chip and NFC contactless on the device. Smart terminals and point of sale systems for a fixed location.
Online
Checkout on your website, plus virtual terminals for phone and mail orders. This is the half AppWT builds, whether the store is new or already selling.
On the Go
Mobile card readers for a van, a booth, a job site or a delivery route. Take the same account with you rather than opening a second one.
Equipment and Payment Tools
The tools Cutting Edge Advantage lists in its Smart Solution Suite. Their POS Pros match the device to how your business actually runs.
- Smart terminals
- Smart point of sale systems
- Cloud based tablet POS
- Mobile credit card readers
- Terminal accessories
- Virtual terminals
- Ecommerce checkout
- EMV chip acceptance on every device
- NFC contactless acceptance
- EMV tip adjust
- Gift cards
- Check acceptance
- Fleet cards
- ATM services
- American Express Full Acquire Program compatibility
- Chargeback mitigation and fraud reduction
- Daily deposit and transaction activity emails
- Reporting access on demand
The Edge Program
Cutting Edge Advantage runs a named program called Edge. Here is how they describe it.
What Edge combines
- Flat rate pricing, so one rate applies to every transaction
- A cash discount program, so a cash price and an other payment price are assigned to each item
- One program rather than two separate ones to administer
Who tends to ask for it
- Small and mid sized businesses watching cash flow
- Owners who want the processing cost to be predictable
- Counter service businesses where the price is posted at the register
Cash discount programs are regulated differently from state to state and from network to network. Whether Edge fits your business, and what it costs, is answered by Cutting Edge Advantage during the application. AppWT does not set, quote or estimate processing rates.
Industries They Serve
The business types Cutting Edge Advantage publishes on its own site.
How a Referral Works
Four steps, and you talk to a real person at every one of them.
You tell us how you take money today
Call or message us with the basics. What you sell, where you sell it, whether there is a storefront, and what you use now if anything.
We introduce you to Cutting Edge Advantage
We pass the introduction to their team and stay on the thread. You deal with their payment processing specialists directly on rates, equipment and terms.
Your application goes to underwriting
Underwriting reviews the business and the website. This is the step that stalls most often, and it is the step we can do something about.
They board the account and you start taking cards
Cutting Edge Advantage boards the merchant, sets up the equipment and services the account from there. We make sure your checkout and your site match what was approved.
Getting Your Website Through Underwriting
This is the part most referrals get stuck on, and it is the reason a web company is worth having on the referral.
What underwriting has asked us for
- A published privacy policy
- A refund and return policy
- Terms and conditions
- Each one reachable from every page, with no login in the way
- Clear answers on age gating and account registration where the products call for it
What we do about it
- Write the policy pages properly instead of pasting a generator's template
- Publish them and link them in the site footer
- Send the direct URLs straight to the underwriter
- Answer the follow up questions in writing on your behalf
- Turn requested wording changes around the same day
If your store already sells and simply has no policy pages, that is a short job. If you are launching, we build the store and the compliance pages together so the application is not waiting on the website.
Who Does What
We would rather be plain about this up front than have you find out later.
AppWT
- Makes the introduction and stays on the thread
- Builds the website, the store and the checkout
- Writes and publishes the compliance pages
- Answers underwriting questions about the site
- Integrates the gateway once the account is live
Cutting Edge Advantage
- Quotes the rates, the equipment and the program
- Takes the application through underwriting
- Boards and owns the merchant account
- Handles processing, settlement and funding
- Provides customer care and technical support on the account
AppWT is not a payment processor, an acquiring bank or an underwriter. We do not hold, move or settle your funds, and we do not approve merchant applications. Approval, settlement and continued processing are subject to the rules of the acquiring institutions, the payment networks and applicable law.
Program details, equipment and industry lists on this page are published by Cutting Edge Advantage at cuttingedgeadvantage.com and are theirs, not ours. Everything is confirmed with you in writing during the application.
Merchant Services Questions
The five we get asked most.
Does AppWT process payments?
No. AppWT is a referral partner. Cutting Edge Advantage boards the merchant and holds the merchant and processing relationship. AppWT builds and prepares the website, the checkout and the compliance pages.
Who sets the processing rates?
Cutting Edge Advantage does. Program terms, equipment and pricing are quoted by them during the application. AppWT does not set or quote processing rates, and you should be wary of any web company that offers to.
Is approval guaranteed?
No. Every merchant application goes through underwriting. Approval, settlement and continued processing are subject to the rules of the acquiring institutions, the payment networks and applicable law.
What does underwriting usually ask an online store for?
In our own referrals, underwriting has asked for a published privacy policy, a refund and return policy, and terms and conditions, each reachable from the site without a login. AppWT writes and publishes those pages.
Can I take payments in a store and online at the same time?
Yes. Cutting Edge Advantage publishes in store, online and on the go solutions, including countertop terminals, point of sale systems, mobile readers, virtual terminals and ecommerce checkout.
Already have a processor and only need the checkout wired up? That is a different job and it has its own page. See Payment Integration Services.
Ready to Start Taking Cards?
Tell us how you sell today and we will make the introduction. No cost to ask, and no obligation either way.
