Monthly Volume

The maximum monthly dollar volume a merchant is approved to process in Visa and MasterCard transactions. The monthly volume is important for underwriter consideration of the application from the merchant and also helps to determine what type of documentation will be required with the file. American Express processing volume is typically *not* included in the calculated monthly volume. Since a merchant account is basically a 6 month loan or provisional credit for every transaction the bank processes for you, if you are requesting $100,000/month that represents more risk to the processor than a merchant only requesting $10,000/month. Generally, if you are applying for more than $25,000/month, the processing bank’s underwriter will request financials on the company (or the guarantor if the business is new).

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