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Merchant Account FAQ
What types of merchants does Cardservice
International sign up?
Whether you are building an e-commerce Web site, a traditional
brick-and-mortar business or a mail order/telephone order business,
you will want to open a Cardservice International Cardservice
Merchant Account, which enables you to accept credit cards and/or
ATM/debit cards as payment for customer purchases. We accept
applications from almost all types of business without restriction.
How long before I can accept credit and/or ATM/debit cards and go
live?
You will be able to accept
Visa, MasterCard, American Express and Discover for your products
and services within 24 hours upon completion of the online
application and approval.
I’m not sure what terminal, equipment or software I should buy.
What is best for my business?
Whether you are starting a new business or expanding an existing
one, Cardservice International has the payment solution to support your
processing needs. Cardservice International serves traditional and
Internet businesses, as well as restaurants, mail order/telephone
order and home-based businesses. The application process will
determine the most appropriate processing solution.
How does LinkPoint Connect integrate with my Web site?
Integrating LinkPoint Connect into your Web site is simple. You just
add a few hypertext markup language (HTML) tags to the order form on
your Web site. See the LinkPoint Connect User Manual for full
instructions.
How is Cardservice International allowed to process credit cards?
Through Cardservice International, a registered service provider for
clearing and settlement institutions that sponsor Cardservice to
enter MasterCard and Visa transactions into the interchange system.
The settlement banks are our clearing banks and are members of
MasterCard and Visa associations; therefore, both card associations
are obligated to guarantee the settlement of merchant funds.
Can I be approved if I have bad credit or no credit?
Yes. We have one of the highest approval rates in the industry.
How do I get my money?
There are four steps to getting your money—initiating, authorizing,
completing the transaction and receiving your funds.
Step 1—Initiating the transaction to verify that a card is
active and within the approved spending limit:
Brick-and-mortar and retail or restaurant
environments—swipe the card or key in the number through a
point-of-sale terminal (i.e., card is physically present).
Mail order/telephone order environments—enter the card identifiers
the customer has provided you by mail, telephone or fax (i.e., the
card is not present).
Internet environment—Customer provides your Web site with card
identifiers (i.e., card is not present).
Step 2—Real-time authorizing, which reduces chargebacks and
catches card-entry errors:
Credit card number is entered. Terminal or software transmits the
credit card number and expiration date and sales total to
Cardservice. Cardservice transmits data to customer’s credit
card-issuing bank. Customer’s issuing bank approves or declines the
transaction.
Step 3—Completing the transaction: Merchant’s terminal or
software transmits transaction details to Cardservice in a batch at
close of the business day. Cardservice forwards transactions to each
credit card company, which redirects the transactions to appropriate
banks. Bank debits credit cardholder’s account and credits
Cardservice.
Step 4—Receiving your funds:
Cardservice credits your Cardservice Merchant Account, usually within two to
four business days.
When do my transactions get funded?
Usually within two to three business days after you submit your
batches to Cardservice.
How is my money protected?
Cardservice is equipped to address the key protection issues of both
traditional and Internet merchants, including fraud, loss prevention
and chargebacks. The company uses state-of-the-art security
technology, and the LinkPoint Secure Payment Gateway uses Secure
Sockets Layer (SSL) technology—designed to protect all merchant and
payment information.
What if I need help with my account?
Cardservice has more than 200 customer service representatives
available to serve you 24 hours a day, 7 days a week, in more than
140 languages and dialects. In addition,
Mymerchantoffice.com,
Cardservice's merchant-dedicated web site, allows you to access your
Cardservice Merchant Account information online at any time, from any location.
Click Here to Apply Now
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Testimonials
"We were looking for a service with fast response, a
professional look, flexibility, easy for the customers to use, and
easy for us to maintain. We chose Cardservice International for our
baseball glove business and couldn't be more pleased with the
service. Setup was quick and easy, and operation has been very
smooth with no problems at all. Their system includes many great
features not included with many other services and our customers
have reported that the ordering process has been very satisfactory.
I would recommend Cardservice International to anyone wanting to
open an online business...it's a winner!"
-- James Jones
"I own a few carts in a couple of the malls in South Florida and I'm
new to this whole Internet thing. My friend helped me build a
website which had everything I needed except for a credit card
processing system. I called your office and spoke with Sean. I just
wanted to say that he was so helpful and friendly and explained
everything so clearly, that I was able to set up your system on my
website by myself. I'm really excited! Thanks for having a staff
that actually cares."
-- Yaron Mergui
"It was SO quick and easy to sign up; none of the costs and
difficulties the banks wanted to impose on us. You guys were
definitely the fastest, cheapest, easiest, and I haven't had a lick
of trouble since we signed up 6 months ago. Our trust was
well-placed. Thank you!"
-- Renee Taylor
"I just wanted to write and tell you how happy I am to have come
across your company. After searching the Internet for hours to find
the best deal, I have to admit that your deal sounded almost too
good to be true. But what was I suppose to think? I saw some of your
freebies like your free shopping cart and free check software and it
was hard for me to believe that you really offered all of this for
free. I have to tell you, I was surprised to find out that you
really do offer everything you say! I'm definitely a believer.
Thanks again."
-- Seth Gisser
"You guys have been very quick to respond and A++++ on Customer
Service! Being new to the whole Online CC processing thing, the
Customer Service is greatly appreciated."
-- Scott Merrill
"I'd like to tell your readers that if they are skeptical, they
shouldn't be. I was, but you really do make good on every offer!"
-- Bob Ibrahim
"I appreciate your no-nonsense approach. This industry has been
waiting for an offer like this. You have earned my vote."
-- Eric Ben-Mayor
"Thanks for the account, our trust was well placed"
-- Shachar Ginzburg
"I thought "small price, small service", boy was I wrong!"
-- Jess Coburn
"I will recommend your company to all of my fellow eBayers"
-- Ty Hartley
"It was like.. how can they offer all of this? And then you really
did deliver! Awesome!"
-- David Huddlestone
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