Flagship is a leading provider of merchant services including credit card processing, mobile payment processing and secure payment gateways. Flagship offers businesses an invaluable service to accept credit cards and process payments themselves. Providing this opportunity without any hassle and at a low cost opens the door for small and medium businesses to finally gain an edge over the competition.
Pros
- There are no setup fees
- Free mobile app and slider
Cons
- No online pricing information (custom quotes only)
- No live chat
What’s on Offer
- Online transaction reports
- Prime rate on major credit cards
- Free trading account and shopping cart setup
- Real-time processing directly on your site
- Mobile payment processing
- QuickBooks integration
Application Process
Flagship's application process is quick and painless. In fact, it will only take you 10 seconds to fill out the form and submit it. Here's how to do it.
- Go to the application form
- Fill in your basic information such as business name, phone number, website, account type, and average sales amount.
- Submit it and wait for a representative to contact you to adjust your rates and packages.
The great thing about this app is that you don't need to provide a huge amount of information about your sales, income or payments. A general idea of your average payment amount will suffice, and there's no need to upload files or scan documents. Plus, it's free, and Flagship has one of the highest approval rates in the business services industry. Therefore, even businesses with bad credit or no credit can apply for a credit card processing service and get approved.
What’s Unique About Flagship?
Flagship is one of the most competitively priced credit card processing providers out there. Furthermore, the no commission policy really sets this company apart. Here's what you get when you sign up for Flagship:
- Merchant account with Flagship Merchant Services and iPayment processing
This is what will allow you to accept credit cards. This comes with a free credit card terminal. This is a nice bonus considering that most companies rent this equipment to you for a fee.
- Authorize.net payment gateway (virtual terminal) script
This script will integrate with your site and allow your customers to shop directly on your site by paying with a credit card (instead of doing it manually).
- Authorize.net virtual terminal
This will allow you to process transactions directly through your computer (manual processing) for customers who for some reason cannot do it themselves.
- Mobile payment processor
The mobile processor is available for iOS and Android devices and features an EMV-compliant card reader. MobilePay, a mobile payment app, has a number of features including inventory management, transaction history, analytics, reporting and more.
- iPad POS system to accept payments via iPad
This is ideal for businesses on the go, as you can run it from your phone or web browser and accept payments wherever you are. It's not as feature-rich as a dedicated POS, but it's certainly a nice addition to the entire flagship suite.
The payment gateway acts as a shopping cart, making it a particularly convenient service for small businesses that don't have their own dedicated shopping cart app. In addition, the partnership with Authorize.net gives Flagship several advantages over the competition. On the one hand, you're guaranteed secure and reliable credit card payment processing from a big name in the industry. Authorize.net, on the other hand, offers a number of third-party applications and a flexible API to work with to make integration seamless and fast.
Funds are usually transferred to your bank account within 2 business days.
Customer Support
Leading customer support is available 24/7, so you'll always have someone to contact if any issues arise. Flagship customer service really shines because you have a representative to walk you through every step of the process, from start to finish. They'll teach you how to use the credit card terminal, how to initiate, authorize and complete a transaction to get your funds, what software and hardware is best for your business, and what to do if there's a problem.
Pricing
Since each company has its own individual needs, Flagship adapts its rates and services to those needs. After a short phone conversation with a representative, you'll receive a customized rate that fits your company's unique setup. As such, there are no overall rates in this review. However, prices start at 0.38% + $0.19 per transaction. Some fees include:
Online Account Fees – No Card Present
This includes gateway setup, website setup, and merchant account setup. Plus, you won't be charged a cancellation fee, and since there are no long-term contracts, you'll be able to decide month-to-month whether you want to continue using Flagship or not. The absence of this latter fee is truly unique in the industry. You won't even have to pay the $49 gateway setup fee that other Authorize.net customers are charged. You'll also get a free mobile slider and mobile payment processing app. Flagship has identity theft-proof security standards and Authorize.net preferred reseller security, ensuring the safety of all your transactions.
Bottom Line
Flagship offers affordable credit card processing services for small and medium businesses. With no out-of-the-box fees and low monthly fees, it creates an ideal situation for small businesses to offer this important service to their customers. Friendly customer service staff and easy cancellation policy make working with Flagship even better.