Vagaro provides Credit Card Processing for businesses in the United States (US) that charge credit and debit cards as payment from customers. Along with competitive rates and many other benefits, including charging credit cards, storing customers' credit cards on file, setting up recurring membership or package plans, and more.
In the United States, credit card processing fees depend on the amount of business you conduct per month:
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For small merchants that make less than $4000 in a month, this feature is free.
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For large merchants that make $4000 or more in a month, this feature is $10 US per month.
Important
This article covers signing up for credit card processing in the United States. You can also sign up for credit card processing in the United Kingdom, Canada, and Australia.
Signing up for Credit Card Processing will take you out of the free trial.
To help businesses start processing payments, anyone who signs up for credit card processing can order a free credit card reader.
Prerequisites: This feature is available for all Vagaro businesses.
Before you begin the signup process, make sure you have the following handy:
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A mobile device with a camera: You will need a mobile phone or tablet to complete the application. You will also need to scan a QR code. If your device's camera does not scan QR codes, you'll need to download an app that can.
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Valid ID: Examples include your passport, driver's license, ID card, residency permit card, and temporary visa.
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Bank Login Information: To prevent application denials, you must log in to your online bank banking through Plaid. This process is required to verify your banking information before submitting your application.
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SS-4 or 147c Documents from the IRS (Optional): If you're not a Sole Proprietor, you'll need to have a registered legal business name with the IRS.
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Medical License (Optional): Chiropractors, chiropractic offices, medical services, health practitioners, and med spa businesses will need to take a picture of their medical license to complete their applications.
Tip
All customers who sign up for Credit Card Processing can order a free credit card reader.
To begin your application:
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Go to the Credit Card Processing signup page:
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On Vagaro Pro: Go to → .
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On the Web: Hover over Settings, then select Credit Card Processing.
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Select Get Started.
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Choose your Vagaro hardware and then select Continue, or select I'll Do This Later to skip this step.
After choosing your Vagaro hardware, you must enter some information about your business. If you aren't sure what to enter, the sections below can help clarify.
The "type of merchant" is your business's structure and the legal designation for your business required by the government.
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Sole Proprietor (Self-Employed): Someone who owns and runs a business alone; however, if you select Sole Proprietor, this does not mean you have to work alone.
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Limited Liability Company (LLC): A business type that protects business owners from personal responsibility for their business's debts and liabilities while providing better tax advantages than a sole proprietor.
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Private Corporation (Privately Owned Business): Your business must file Articles of Incorporation to create a business entity with the IRS.
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Public Corporation (Publicly Traded on the Stock Market): Your business must file Articles of Incorporation to create a business entity with the IRS.
For all other business types, however, you'll need to register a business name with the IRS. The business name entered here needs to be registered with the IRS. Sole Proprietor businesses do not need to enter a Legal Business Name. Learn more from the Small Business Administration.
The Employer Identification Number (EIN) is a unique nine-digit number assigned by the Internal Revenue Service (IRS) to businesses working in the U.S. It's used to identify taxpayers required to file various business tax returns. Learn more from the IRS.
Sole Proprietorship businesses do not require an EIN to submit their application.
Your Business Category is based on the services and products you sell. Select the best industry type that fits your service/class offerings.
If you are a medical office, use FDA-approved medical devices, perform medical services, or accept FSA and HSA payments, you must select one of the following categories:
Your processing volume determines your merchant size: Small Merchant (less than $4000) or Large Merchant (more than $4000). These two merchant account types have different processing rates and fees. You should review our Credit Card Processing Fees and Rates before continuing.
After entering your business details, you must scan a QR code to continue the application on your phone or tablet.
Vagaro has partnered with Plaid to provide your business with better security and a more streamlined signup process. Plaid will automatically populate your information without the need to fill out any forms.
After verifying your identity, you must connect your bank with Vagaro. To do so, log in to your online banking through Plaid. This helps verify and set up your merchant account for bank deposits and prevent failed deposits and application denials.
Note
You must manually enter your account and routing number if you can't sign in to your online banking through Plaid.
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A medical License is required for businesses accepting HSA/FSA payments.
As stated above, chiropractors, chiropractic offices, medical services, health practitioners, and med spa businesses must take a picture of their medical license to complete the application. You can either take a picture of your license or upload an image from your device.
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Order your products to complete the application.
You can now order the hardware you selected at the beginning of the application. You can select Back to Hardware to modify, add, or remove items from your cart. Keep in mind that you can order your free credit card reader at any time; this offer does not expire.
Both commission-based and paid employees do not need their own merchant account, but self-employed or booth renter employees are encouraged to sign up on their own.
Important
Employees must sign in to their Vagaro account (not the business owner's) to apply. If you sign up for credit card processing while logged as the business owner, the application will be submitted under the business owner.
See Step 1 above to apply for Credit Card Processing as an employee.
Comments
2 comments
Hey, i already have my bank account login in, but my first payment didn’t showed up yet at my bank
Hi, Ludmilla; please check out our Batch Schedule article if you have questions about deposits. You should receive your funds by tomorrow. If you have any further questions, our support team will help!
Thanks,
Jamie
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