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FAQs

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.

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).

Call us for information.

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.

We offer several options that will allow you to process credit cards through your website.
  • Authorize.net
  • Our co-branded gateway
  • Verisign Payflow Link
  • Verisign Payflow Pro

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

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.

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.

Must have a physcial location in the US. If outside US then you must use an offshore merchant account.
 
Application Requirements for all businesses:
  • Physical Location in the US.
  • Checking account with an American bank in the name of the business or the merchant account signer.
  • Explanation of business type (ie: LLC, Corporation, Sole Proprietorship, etc.).
  • Federal Tax ID Number (EIN).
  • Owner or Merchant Account signers SSN.
  • Owner or Merchant Account signers address information.
  • Product or Services LTD being sold information.
  • Exchange and Refund policies.
  • Intended method of accepting transactions (ie: swipe, internet, keyed, etc.).
  • General business location type (ie: Shopping Center, Home Based, etc.).
  • Copy of a voided check from merchants checking account.

Additional Requirements for some businesses:
  • Marketing material (ie: business card, brochure, advertisement, etc.).
  • State or Federal Business License.
  • Proof of business existence (ie: phone bill, utility bill, etc.).
  • Proof or financial stability (ie: profit and loss statements, bank statements, etc.).

Requirements for all internet businesses:
  • Active website with DBA of website listed on application.
  • Product delivery methods and timeframe clearly stated on website.
  • Product prices in US dollars.
  • Privacy Policy listed on website.
  • Customer Service telephone number listed.
  • Secure checkout system.
  • Domain name registered to merchant.

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.

  • Retail Businesses (Swiped Transaction): The total setup time is around 3 - 4 days.
  • Internet and Keyed Entry Businesses: The total setup time is around 3 - 4 days.
  • Wireless Processing Businesses: The total time to be setup is 5 - 6 days.

          *These are only estimates some may vary.