Bad credit history can often affect merchant services provider’s decision. Many merchant account providers choose to deny merchant applications from signors with poor financial history. Poor credit history, or no credit history translates into risk for merchant account providers. While many merchant processors choose to stay away, here at MagicPay we believe that every legitimate business owner deserves reliable payment processing.
Having a bad credit may be a result of multiple situations. Whether you simply have no credit history (due to new credit), previous bankruptcy, foreclosure or other similar unfortunate scenarios, MagicPay can help. We evaluate each application individually, giving the best chance to get approved by working one-on-one with the customer. Generally speaking your personal credit would not influence our approval decision. Things we look for is a verifiable business that has a potential.
Businesses with low credit scores or past financial challenges can still get approved. Specialized underwriting focuses on overall business performance rather than just credit history, opening doors that traditional providers often close.
Access to reliable payment processing ensures you can accept card payments without interruption. Faster settlements and consistent processing help maintain steady cash flow, even for higher-risk businesses.
Support for credit cards, debit cards, online payments, and mobile transactions allows you to serve customers conveniently. This flexibility enhances customer satisfaction and helps maximize sales opportunities.
Built-in fraud protection tools, chargeback management support, and secure payment gateways help protect your business from financial losses and disputes, even in high-risk industries.
With scalable solutions, you can expand into new markets, accept international payments, and grow your revenue without being held back by credit limitations.
User-friendly dashboards, automated reporting, and integration with existing systems reduce administrative workload, allowing you to focus more on running your business.
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MagicPay Merchant Services, LLC. ® 2026
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Hours of Operation: 24/7 Customer Service Sales: Sunday – Thursday: 24 Hrs Friday: Closing at 4:00 PM EST Saturday: Closed
Using the short questionnaire below, you will find the correct phone number to call for assistance.
For sales, upgrades or additional services please call 855-891-2600 ext 1.
Or email us at info@MagicPay.net
Or, click here to fill out our contact form and one of our representatives will contact you within 24 hours.
BankCard USA Customer Service / Technical Support
During regular business hours (M-F 10:00AM-8:00PM EST) - 800-589-8200
After hours:
First Data (MID starts with 4195) please call 888-339-0674.
FDR (MID starts with 5349) please call 866-597-5721.
TSYS (MID starts with 8867) please call 800-552-8227.
Blackstone
Customer Service / Technical Support: 305-718-6520 or 305-639-9590
Clover Support (VI & PR): 844-864-5449
Clover Support (US): 855-853-8340
First Data Support: 800-858-1166
Choice Merchant Solutions
Customer Service / Technical Support: 800-539-9116
Elavon
Customer Service / Technical Support: 800-819-6019 x1
Elavon - Activation: 866-451-4007 x4
Electronic Merchant Systems
Client Services: 800-615-1330
Group ISO
During regular business hours (M-F 10:00am - 9:00pm) - 800-410-4476
After hours: 800-228-0210
Maverick BankCard
Customer Service / Technical Support: 800-464-9777
NetPay BankCard
Customer Service / Technical Support: 800-366-1841
Signature Card Services
Regular Business Hours (M-F 10:30AM - 9:00PM EST): 800-631-3072
After Hours:
If your MID starts with "4":
Customer Service / Technical Support: 800-228-0210
Voice Authorization: 800-228-1122
If your MID starts with "8":
Customer Service / Technical Support 800-622-2315
Voice Authorization: 800-944-1111
Switch Commerce / Sage
877-550-1310
Total Merchant Services (USA)
888-848-6825
Total Merchant Services (CA)
855-839-7280
Volt Merchant Solutions
Customer Service / Technical Support: 877-232-8503
Operator
If you do not know who is your merchant account provider please call our operator or email our support team to locate your account and direct you to the right phone number to call.
Diall 855-891-2600, EXT 0.
Email: info@MagicPay.net - make sure your business name is in the subject line.
MagicPay Payment Gateway
For training, billing and basic gateway questions: 855-891-2600 EXT 3.
For integration and higher level technical support: 800-617-4850.
Forgot Your Password?
Call either number above, or, for after hours, please send an email to info@MagicPay.net and one of our representatives will reset your password and send you a new password creation link.
In your email please include your name, business name, username for gateway and phone number.
Authorize.Net
866-682-4131
eProcessing Network
800-971-0997
USAePay
866-872-3729
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