Why It Matters
Merchant accounts are approved by a processor (e.g., iPayment) that imposes limitations in order to minimize its risk, and is also subject to Visa/MasterCard regulations. Not adhering to these rules could result in the termination of your merchant account.

Transaction Size/Monthly Volume
Market America E-Commerce accounts are approved for a transaction size ("ticket size") of up to $500 per total sale, and a total Visa/Mastercard monthly sales volume of up to $10,000. Please do not run sales exceeding these amounts; even if they are electronically approved, they may result in your funds being held by the processor. Please note that multiple charges to the same credit card are considered by processors to be a "split ticket," i.e., multiple parts of a single sale.
     If you anticipate needing higher limits, please contact iTransact in advance of the sales; we can put you in touch with the processor to request the higher amounts.
     Also, if you are expecting a sudden spike in transactions - even within your approved limits - please contact iTransact in advance of the sales so that we can help alleviate the processor's fraud concerns.

Approved Sales
Your merchant account is approved for the sale of Market America products, including Motives and Nutrametrix products. It is not approved for the sale of non-Market America products or services.
     Your portal, of course, lists many non-Market America items offered by Partner Stores. When your customers buy Partner Store items, they are buying directly from the Partner Stores; you are not making these sales through your merchant account.
     If you would like a separate merchant account for the sale of non-Market America products or services, we can help; please contact iTransact to apply.

Sales to Yourself
Please do not charge any of your own (or your spouse's) credit cards through your Virtual Terminal, and do not buy Market America products from your own portal. This is considered a cash advance and is prohibited by Visa/MasterCard regulations. (Besides, it accomplishes nothing, since you are both paying out and receiving the same funds.)
     It is perfectly fine to buy Partner Store items through your portal since you are paying the Partner Store, not yourself, for these items.

Sales on Behalf of Others
Your merchant account is only for you to collect payment on your sales to your own customers. It is a violation of Visa/MasterCard regulations (as well as a risk for you) to let anyone else use your merchant account for their transactions.

Ticket Sales
If you have an iPayment merchant account (see Who's Who?), you may sell your own tickets to Market America's official corporate-sponsored events, as long as the event is no more than 90 days away. You may not use your merchant account to sell tickets on behalf of other distributors, your district, your region, etc.
     If you have a Nova merchant account, your account is not approved for any types of ticket sales.
     If your district or region would like a merchant account for its event ticket sales, we can help; please have a leader contact iTransact to apply.

Sales of Web Sites
Your Webcenter has its own built-in method to take payment for web site sales. Your distributor merchant account is not approved for the sale of web sites. However, if you would like a separate merchant account specifically for the sale of web sites, we can help; please contact iTransact to apply.