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How Long Does It Take to Set Up a Credit Card Processing Solution?


In the modern world, you’re losing out on major business if you don’t accept credit cards. Setting up a merchant account is usually pretty quick and painless. The process usually takes anywhere between three business days and a few weeks.

The first step to setting up a merchant account is submitting an application. Most vendors allow you to do this online. The approval process can be as fast as one day or it can take a week or more, depending on the vendor - that’s the biggest variable. Once you have approval, you can begin accepting credit cards online right away in most cases.

Accepting Credit Cards

If you need to accept credit cards in a physical storefront, not just online, the process takes longer. Ordering equipment such as card readers and pin pads can take one to three weeks. The shipment won’t be processed until the application is approved.

Most credit card systems are very easy to use, but you can opt for training if it makes you feel more comfortable. Most vendors offer telephone and/or online training that takes no longer than an hour. Some vendors charge extra for training and support; others don’t.

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