The Procedure Vendors wishing to accept cards as payment for goods/services need to register with their bank as a 'Card Merchant'. New merchants: Contact your bank's Merchant Services Division. Explain that you wish to accept card's as payment. That you wish to become a 'eCommerce' merchant and that you will be using 'Virtual Card Services' to submit your transactions and therefore do not require an Electronic Data Capture (EDC) terminal. The Bank will send a consultant to visit you with the necessary forms to be completed. The legal issues associated with being an eCommerce merchant must be discussed with the consultant and are not affected by the 'Virtual Card Services' agreement. The bank levies a charge of approximately six percent but this can be negotiated with the bank. Once the bank has approved your application they will give you a Merchant Number and terminal Id. Complete the Virtual Card Services Online Application Form. (Applications, Application Form) We will provide you with Interfacing Instructions (sample code etc.) on approval of your application. Existing merchants: Complete the Virtual Card Services Online Application Form. (Applications, Application Form) We will provide you with Interfacing Instructions (sample code etc.) on approval of your application.