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SAGE Payment Processing

Accept Payments Anytime, Anywhere

How much are you really paying for credit card processing? It's a confusing process for many, with ever-changing rates, hidden fees and inferior customer service. To solve this ongoing issue, SAGE has teamed up with Merchant Focus and Authorize.Net to create a payment processing solution that is simple and easy to understand.

SAGE Payment Processing provides you with a complete, turn-key payment processing solution at ultra-competitive rates. Quickly process credit and debit cards using our advanced, web-based virtual terminal application from the convenience of any computer with web access. You can also process payments on the go with SAGE Mobile. Plus, if you have WebExpress Pro, SAGE Payment Processing automatically integrates with your website to process payments in real time.

Best of all, payment processing doesn't have to cost you a fortune! With our low rates and minimal fees, any company can accept credit and debit cards.

SAGE Payment Processing is offered through our relationships with Merchant Focus and Authorize.Net. Even on busy days, their advanced networks will process your transactions quickly and efficiently. Unlike many payment processing services, SAGE Payment Processing has no funding delay. This means that funds from qualifying payment transactions are generally transferred to your business checking account two business days after settlement (check with your bank to make sure it doesn't impose its own delay).


  • Ultra-competitive rates
  • Web-based virtual terminal
  • XML API available
  • Excellent customer service
  • Quick application process
  • Able to use in SAGE Mobile for convenient transactions even out of the office
  • No funding delays
  • No long-term commitment
  • No hardware needed
  • Process credit and debit cards from anywhere with web access
  • Easy-to-understand monthly statements


US Pricing

Fee Categories
Visa / MasterCard / Discover Rate 2.89%
Transaction Fee $0.29
Monthly Processing Fee Minimum $10.00
Optional card reader for SAGE Mobile (one-time fee) $45.00

In addition to the Visa and MasterCard Interchange fees, Visa and MasterCard charge an assessment fee that is paid directly to the associations that own the Visa/MasterCard brands. These are required fees that we cannot control. All US Credit Card processors are required to bill these fees to their merchants. For details, click here.

Canada Pricing

Fee Categories
Application Fee / Setup Fee None
Monthly Minimum $15.00
Monthly Gateway Access Fee $5.00
Monthly Service Fee $20.00
Qualified Rate (Visa/Mastercard) 1.49%*
Transaction Fee $0.30
Authorize.Net Transaction Fee $0.05
Optional card reader for SAGE Mobile (one-time fee) $45.00

Established Merchant Focus is a registered MSP/ISO of: Deutsche Bank AG, New York

*Interchange Downgrade Fees may be applied on some card brands. All pricing listed in Canadian dollars.


What is the monthly processing fee minimum?

The monthly minimum processing fee is the minimum you must meet each month in total rate fees, otherwise you owe the remaining balance.


  • You charge $500 in a month. That would make your rate total for the month $14.45. Your monthly minimum of $10 has been met so there are no additional fees.
  • You charge $150 in a month. That would make your rate total for the month $4.34. Since you didn’t meet the $10/month processing fees minimum, you’ll owe an additional $5.66.
  • If you don’t charge anything in a month, you would owe $10 in total fees in order to meet the monthly minimum.

What is the web-based virtual terminal?

SAGE Payment Processing enables you to accept credit cards anywhere you have a computer and internet access with our advanced, web-based virtual terminal application. This virtual terminal not only gives you the ability to process sales but also view transactions in the current batch waiting to be settled and post credits for transactions that have already settled. You also have the ability to view reports such as view/search transaction history and view transactions for the last settled batch.

What is Merchant Focus?

Merchant Focus Processing, Inc. is a full service merchant account and payment gateway provider, providing the ability to accept credit card payments for internet, mobile, mail/phone order, and retail businesses. Merchant Focus is dedicated to providing the highest level of service in the industry.

How do I process payments in SAGE Mobile?

You must be a SAGE Total Access subscriber to use SAGE Mobile. With Payment Processing, you can view your transactions and process payments any time within SAGE Mobile. If you would like to make processing payments with SAGE Mobile even more convenient, you can purchase an optional card reader from SAGE for a one-time fee of $45.

How do I sign up to accept American Express cards?

Please contact American Express directly to accept this card type and open an American Express Merchant Account. American Express can be contacted by calling 1-855-TAKE-AXP (855-825-3297).

If you already accept American Express under the same Legal name as you are applying under with Merchant Focus (even if you are applying under the same Legal Name but with a NEW or DIFFERENT DBA Name) then you must contact American Express as they will require a new MID (Merchant Identification Number) and will not allow Merchant Focus to apply for you. This is not applicable to Discover Card acceptance. Furthermore, if you already accept American Express at a retail location with the same DBA or Legal name as you are applying for with Merchant Focus, please contact American Express as well, and request a second Merchant ID.

Get Started

It takes only a few minutes to apply online for your merchant account. Once your application is approved, you'll receive your login information for your SAGE Virtual Terminal. Then you're ready to start taking credit and debit cards! Getting started with SAGE Payment Processing is easy. Simply complete our online application!

Merchant Focus

1. Become a SAGE customer
If you are a current SAGE customer, please proceed to Step 2. If you are not a current SAGE customer, please click here and complete the SAGE Payment Processing application to create an account with SAGE. If you have any questions regarding this application please call 800-925-7243. You must complete an application to create an account with SAGE (regardless of which card types you want to accept).

2. Apply for your merchant account

U.S. Applicants: Click here to complete the Merchant Focus application. If you have any questions regarding the application process, please call Merchant Focus at 800-895-4085.

Canadian Applicants: Click here to complete the web form and Merchant Focus will contact you.

3. Underwriting

Most merchant account applications are processed within a few business days, although some may take longer depending on the information that you have entered. If any additional information is needed, Merchant Focus will contact you directly.

4. Receive your welcome email

Once your account is approved and set up in our system, you will receive a welcome email from us. When you receive this email, you're ready to start using your new merchant account! It will contain all of the information you need to get started, including information on accessing the SAGE Virtual Terminal. The SAGE Virtual Terminal is a web-based application that allows you to quickly and easily process transactions and view reports. Information will also be included regarding integrating your applications with the payment gateway using our XML API.


Local Phone:
Toll Free Phone:
800.925.7243 (SAGE)
Office Hours:
8:00 am - 7:00 pm CT

Quick Technologies, Inc.
16301 Quorum Drive, Ste. 200A
Addison, TX 75001


SAGE is the leading provider of research and business management tools for the promotional products industry. SAGE provides product research tools, websites, e-commerce solutions, printed end-buyer catalogs, artwork services, payment processing, tradeshows and tradeshow services. With a database of 1 million promotional products from 4,300 promotional product suppliers, SAGE makes doing business easier.

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