Merchant Service Provider         

What credit cards can I accept?

We support all major credit cards, including Visa, MasterCard, American Express, Diner’s Club, Discover, JCB and POS/ATM debit cards. We also support private label cards, including gift cards and loyalty programs.

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What is Interchange Plus?

This is the most transparent pricing model with the most understandable terms and fees. Interchange-plus itemizes wholesale fees and markups and clearly lists them on your monthly statement. It may make your statement a bit more difficult to read, but it’s worth it since you’ll know exactly what the difference between your wholesale fees and markups are.

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How long does it take to set up a merchant account?

Most often, it is the same day. However, the time it takes to establish a merchant account depends on several factors including: completeness of the application submitted, accuracy of the information provided and any required additional paperwork.

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How long does it take to set up a merchant account?

Most often, it is the same day. However, the time it takes to establish a merchant account depends on several factors including: completeness of the application submitted, accuracy of the information provided and any required additional paperwork.

Find out more

What is NFC?

Near Field Communication (NFC) is a form of wireless communication that allows the flow of information between two devices. This technology is used to allow for contactless payment options for those customers who own phones, watches, or other NFC-enabled devices.

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What is NFC?

Near Field Communication (NFC) is a form of wireless communication that allows the flow of information between two devices. This technology is used to allow for contactless payment options for those customers who own phones, watches, or other NFC-enabled devices.

Find out more

Questions About Your Terminal

We have knowledgeable representatives that are available during regular business hours to stop by your business in person or provide training over the phone.  Schedule an appointment today.

“Declined” is a valid response from the card holder’s issuing bank. You will need to request a different form of payment.

Press F4 until the desired language is selected (English/Spanish).

Try power-cycling the terminal by unplugging the power cord and leaving it unplugged for 30 seconds. If the power cycle fails, contact Customer Support

The card issuing bank is requesting that the card be authorized over the phone. Please call 800-944-1111 to obtain a voice authorization before running the sale.

It is possible that the paper is loaded upside down or that the paper in the terminal is not thermal paper.

Contact our Customer Care Team immediately so that we can ensure that your customer will not be charged more than once.

All merchants are set up to accept American Express. If you are experiencing issues processing an American Express card, please call our Customer Care team.

Please contact us to send you an application and answer any questions you might have. Contact our Customer Care team here

Please contact us to send you an application and answer any questions you might have. Contact our Customer Care team here

Our Support team would be happy to transfer the account to the new owner’s name. If you sell your business, please contact Customer Care to begin the process. This will require the new owner to fill out an application to establish an account under his/her name. Contact our Customer Care team here

Questions About Payments & Banking

We have next day funding available for approved accounts, otherwise funds are typically deposited 2 business days from when the batch is settled.

Fees are outlined in the merchant processing agreement. Fees vary by card type, entry method and other factors.

The bank account provided will be debited between the 1st and 3rd of every month for the previous month of processing.

No, we can set your account up to pull a percentage of the fees out of every transaction settlement that you process.

Visa, MasterCard, Discover and American Express.

Questions About Pricing Models

When it comes to selling merchant accounts, there are four popular ways of pricing: interchange-plus, tiered pricing, subscription/membership, and blended.

The first is referred to as an interchange plus pricing model. This is the most transparent pricing model with the most understandable terms and fees. Interchange-plus itemizes wholesale fees and markups and clearly lists them on your monthly statement. It may make your statement a bit more difficult to read, but it’s worth it since you’ll know exactly what the difference between your wholesale fees and markups are.

If you aren’t lucky enough to be on interchange plus pricing, chances are you’re tied up in a tiered or ‘bundled’ pricing model. In fact, the vast majority of business owners are on a tiered plan, which may make it more difficult to review and understand some statement charges.

Tiered pricing plans categorize credit card transactions into three categories – qualified, mid-qualified and non-qualified Generally, qualified rates are the lowest, and the transaction rates increase for mid-qualified and are highest for non-qualified transactions. Qualified transactions must meet all of the processor’s criteria for processing, such as a swipe in-person with a batch settlement the same day. Failure to meet one or more standards may result in a ‘downgrade’ to mid-qualified or non-qualified tiers.

Although tiered pricing plans aren’t necessarily a bad thing, some dubious merchant account processors will take advantage of this more complicated price plan to charge merchants excessive fees. You may end up paying a lot more than you want to with little way of determining exactly what you are paying for. This is because processors often fail to disclose which tiers the merchant’s transactions are falling into, making it near impossible to determine the markup rates.

This is a fairly new pricing system, but it’s catching on. It is similar to interchange-plus in that the actual cost of the transaction is charged separately from the mark up. But the difference is that you do not pay any percentage markup, just a small transaction fee. For merchants with large transactions especially, this kind of pricing can save a lot of money without decreasing transparency. Check out Payment Depot for a great example of this kind of pricing.

This is like tiered pricing, but without the tiers. Instead all transaction cost the exact same percentage and transaction fee, regardless of the wholesale cost. All costs are blended together to create one consistent rate and fee. This tends to make the transaction cost very high, especially for debit transactions. But since processors using blended rates (like Stripe and PayPal) usually do not charge a monthly fee, this pricing model often makes sense for low-volume businesses.

Questions About EMV & PCI

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that any company that processes, stores, or transmits credit card information maintains a secure environment that protects cardholder data. The standards were developed by the PCI Security Standards Council (PCI SSC), which consists of MasterCard, Visa, Discover, American Express and the Japanese Credit Bureau. For more information regarding this subject please visit our website compliancefacts.com.

EMV cards (AKA chip cards) have a computer chip that securely stores the credit card data that resides on the magnetic strip. This makes it nearly impossible for a criminal to create a counterfeit EMV card.

Most credit card companies mandated that merchants accept EMV chip cards as of November 2015. Merchants who do not accept the EMV chip card component when a customer presents it for payment may be subject to liability for counterfeit credit card fraud.

Yes! We are fully EMV compliant. All off our clients have been successfully transitioned to the new world of EMV.  We are experts in this field and can make your transition as quick and painless as our countless other clients.

EMV cards have a computer chip on them that securely stores the credit card data that resides on the magnetic strip. This makes it nearly impossible for a criminal to create a counterfeit EMV chip card.

The strip can only be used if there is an error when attempting to read the chip. The terminal will advise when the strip should be used as a backup. Keying in the card is still available when the card is not present.

EMV transactions will still require a signature or a PIN, with the exception of approved QSR or card-not- present situations.

Ask us a Question

Feel free to ask any physical therapy related questions over the phone, or get send your question via this form below. Your message will be dispatched directly to our staff who will answer as soon as they can.