Credit Card Merchant Account
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here to find out what some of my customers think about this service
 What is a
credit card merchant account?
A merchant account is a special account that allows your business to accept credit cards as payment in person, over the telephone, by mail order, or over the Internet. You must have a merchant account if you want to be able to accept credit cards from your customers.
What is an acquiring bank?
An acquiring bank is the bank that holds your credit card merchant account. It is also the bank that transfers funds from your merchant account into your local bank.
What credit cards will I be able to accept?
You'll be able to accept Visa, MasterCard, Discover, American Express and Diners Club/Carte Blanche. In addition, you'll be able to accept debit cards that carry a Visa or MasterCard logo, purchase cards, and online checks.
What is the discount rate?
The discount rate is one of the processing fees charged to your merchant account
(merchant account discount). It is a percentage of your gross sales.
What is the "per transaction" fee?
The "per transaction fee" is a nominal charge for processing each transaction through your merchant account service.
What is a charge back?
Charge backs occur when a credit cardholder informs the credit card company
that the charge was not authorized, or that goods or services were not delivered
as promised. Total Merchant Services along with its credit card processors use a
state-of-the-art fraud screening system to help protect you from fraudulent
charges. If a customer claims that you did not deliver the goods or services for
which they paid, you'll have seven days to provide evidence that the goods or
services were received before the cardholder's account will be credited.
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How often will I receive funds from Total Merchant Services?
Total Merchant Services (merchant account company) will transfer funds from your merchant account to any checking account you designate on a daily basis.
What type of equipment do I need to accept credit cards?
If you have a retail storefront, restaurant, hotel, or service business you can use either a hard-wired or wireless point-of-sale (POS) credit card terminal or a personal computer equipped with credit card processing software. If you have an Internet business, or a telephone order or mail order business, you can use a virtual terminal. With a virtual terminal, you do not need to load any software onto your computer. Since this is Internet-Based software, you simply need access to the Internet. Other options includes using credit card processing software. This is software that you load onto your computer. Authorizations are obtained by dialing into the credit card processor with your computer modem. Or, you can hand enter (key in) data into a point of sales (POS) credit card terminal.
Click on any of the links below to view more details
regarding your specific areas of interest:
Business Merchant Account
Merchant Account Credit Card Processing
Online Merchant Account
Retail Merchant Account
Contactless Payments
Merchant Account
Cash Flow Now specializes in electronic payment,
ACH processing services and ACH software for businesses. For
additional information regarding the following services, just click
on any of the following links:
electronic
payment,
bad
check recovery,
check by
phone,
check
guarantee,
automated payments,
electronic check conversion,
merchant
account or adult merchant
account.
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Most merchants will be automatically approved.
Click here for complete details, including
pricing. You can even apply online!
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merchant must ask companies offering
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Pat A. McDavitt, Owner
C. J. & Tuck Consulting, LLC
1422-A West Braker Lane
Austin, TX 78758-3702
Phone 512-837-1358
FAX 512-837-0345
Email Address:
pat@cashflownow.org |
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C. J. Tuck Consulting, LLC is selling Merchant Services under the
registration of Total Merchant Services.
Total Merchant Services (TMS) is a Member Service Provider for HSBC
Bank USA, National Association, Buffalo, NY.
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