Speaking as a former business owner... the easiest (and cheapest) merchant accounts to get are for Visa / MC followed by AMEX and then Discover. We were in business 2 yrs before we got approved for an AMEX merchant account, and never did for Discover although we didn't try again after the 3rd year. There was just very little Discover usage where we were located so it ultimately wasn't worth it.
Merchants also pay a higher transaction fee on debit cards as well as non-swipe transactions.
Mar 2012: 03/31/2012 - FICO EX 599 (auto loan pull) EQ 593 TU 602)
Oct 2012: 10/25/2012 - EX (tenant screening) 655 - EQ (myfico.com) 641 - TU (myfico.com) 622
Aug 2020: FICO 8: EQ 690, TU 685, EX 688
700s or Bust!
