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FAQs

Question 14. How long does it take for funds to be deposited in my account?

Funds will be available in your bank account normally between 24 to 48 business hours from the time that a batch is received by the processing bank. It is a common misconception that funds will be available 24 to 48 hours after a transaction, but this time is actually measured from the time of the batch.

Question 13. What is a chargeback?

A chargeback is where a customer is disputing a charge listed on their credit card statement. A chargeback may get the customer their money refunded, but it is not a refund. Common Chargeback Reasons: Not recognizing merchant's name on credit card statement. Customer charged more than once for the same purchase. Merchant did not deliver the agreed upon service. Customer unsatisfied with product or service. Fraudulent orders (mainly internet businesses).

Common Chargeback Reasons:

  • Not recognizing merchant's name on credit card statement.
  • Customer charged more than once for the same purchase.
  • Merchant did not deliver the agreed upon service.
  • Customer unsatisfied with product or service.
  • Fraudulent orders (mainly internet businesses).

Question 12. What is a refurbished terminal?

A refurbished terminal is a terminal that has been remanufactured to restore it to its original condition. Refurbished terminals carry the same warranty as new terminals, but they are cheaper then the new terminals.

Question 11. Can I buy a terminal from another company?

Yes. We can prorgram all the machines supported by First Data.

Question 10. Can I process over an IP based, or ethernet connection?

Yes a variety of credit card terminals support internet processing. Other options are Authorize.net which is online payment gateway or software is available for the computer. PC Charge is an example of this software.

Question 9. Should I purchase or lease equipment?

If you can afford to pay up front for the equipment that you are looking to obtain, you should definitely do it. Purchasing will save you a considerable amount over leasing.

Question 8. What if my business is not based in the US?

Call us for information.

Question 7. Can I process through my website?

We offer several options that will allow you to process credit cards through your website.

Question 1. What is a merchant account?

A merchant account serves as an agreement between a retailer, a merchant bank and payment processor for the settlement of credit card and/or debit card transactions.

Question 2. What are the requirements for a merchant account?

Must have a physcial location in the US. If outside US then you must use an offshore merchant account.
 
Application Requirements for all businesses:
Additional Requirements for some businesses:
Requirements for all internet businesses: