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Merchant account FAQ
- What is a merchant account? Why do I
need one?
A merchant account gives a business the ability
to accept credit cards as payment for the company's goods and
services. It provides your customers with an extremely popular
payment option, beyond cash and checks.
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- How does it work?
The merchant
account provider authorizes the credit card transfer from your
customer and deposits the funds for their purchases directly into
your business checking account, typically within two business
days.
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- How do I get a merchant account?
Merchant accounts are available from some banks and other
independent providers such as Cardservice International.
Cardservice is a leading transaction service provider. Last year
the company serviced over 125,000 merchants and processed over $8
billion in bankcard volume.
Cardservice International
offers small-to-medium-sized business merchants a variety of
services including credit card services, electronic checking,
Internet transaction services, and more. Phoenix Web Service offers an
exceptional merchant account program through Cardservice. Click on
the link above for more information.
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- Would it be easier to go to my local
bank to get a merchant account?
Companies such as
Cardservice International actually handle the merchant account
business of many local banks. In addition to offering outstanding
programs, Cardservice International works with the kinds of
businesses that most banks consider risky, such as new
enterprises, Internet businesses, and phone and mail order
businesses.
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- How long does it take to get a
merchant account?
Application approval and set up can be
completed in as little as 24 hours through the special Cardservice
program available to Phoenix Web Service customers.
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- Which credit cards can I accept?
You can accept the most popular credit cards: MasterCard,
Visa, and American Express. Cardservice can also support all other
major credit cards, including Discover and Diners
Club.
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- What kind of equipment do I need to
process credit cards?
A computer terminal or PC with
Internet access can be used for Internet, mail, and telephone
orders. In the retail environment, a specialized terminal/printer
designed to read the magnetic strip on the back of the customer's
credit card is used. This device provides the customer with a
paper receipt at the time of purchase. An imprinter, which takes a
physical copy of the customers credit card, may also be
used.
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- How do I know that I'm getting a "good
deal"?
The Cardservice program offers an outstanding value
across the board: functionality, security, reporting, initial
set-up and low residual costs.
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- Can I use my merchant account to
accept credit card payments in my online store? Is it safe to
process credit cards over the Internet?
Yes, Cardservice
International's Secure Socket Layer Application Programming
Interface (SSL API) offers an encrypted connection to its Secure
Payment Engine. By using the LinkPoint Secure Payment Gateway
technology, all Cardservice International merchants receive fraud
screening on each transaction and real-time reporting via their
Web browser.
For the merchant who wants to get online
fast with a limited start-up budget, Cardservice International is
the best choice.
Using Cardservice International's
SSL API, all orders and payment information sent from the
merchant's web site will be encrypted using industry standard RC4
1024-bit encryption with SSL Version 3. This secure data is routed
to Cardservice International, where it is decrypted and processed.
All processed information (Approved/Declined transactions) is then
re-encrypted and sent securely back to the Web site, where it is
decrypted and displayed to the consumer. Order confirmation
e-mails are sent to the consumer and to the merchant. The
Cardservice International SSL API guarantees that the orders and
payment information generated by the merchant's Web site remains
totally secure.
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- The fraud protection features sound
great, but what about other features?
The Cardservice
merchant account includes e-commerce modules that allow Web
customers to order products, pay for them, and make shipping
arrangements in real-time. These modules include :
- Fraud Protection
- Shipping
- Tax Calculation
- Business Reports
You also have the option of
choosing between auto-settlement and merchant settlement
procedures. By taking advantage of the Cardservice International
Business Reporting module, you can view critical ordering and
financial information all from a single source: your Web
browser.
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- What kind of payment solutions are
available through Cardservice?
Three unique and
user-friendly payment solutions are available:
Virtual
LinkPoint allows merchants to manually enter credit card
transactions on a PC through a secure connection to the Internet.
Virtual LinkPoint is the Internet equivalent of a point-of-sale
(POS) terminal or PC-based transaction software - without the
hardware and software and maintenance expenses. Virtual LinkPoint
provides sales, returns, authorizations and real-time
reports.
LinkPoint HTML is a simple, yet sophisticated
product that requires a little hands-on setup work by the
merchant. It wraps around the merchant's existing Web site,
allowing shoppers to select and order products and securely pay
for them with a credit card. The same services provided by the
Virtual LinkPoint are available with LinkPoint
HTML.
LinkPoint API is the most sophisticated level of
service, enabling software companies, Commerce Service Providers
(CSPs), Internet Service Providers (ISPs), or cyber-wise merchants
to add secure sockets layer (SSL) payment capabilities to their
products, services, or custom storefronts. Additional features,
such as tax and shipping calculations and electronic softgood
download (ESD) (software, pictures or text) are included.
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- Will the Cardservice LinkPoint Secure
Payment Gateway work with my shopping cart?
The
Cardservice LinkPoint Secure Payment Gateway works with a wide
variety of shopping carts. In fact, Phoenix Web Service offers a ready-to-use
shopping cart that has already been integrated with the
Cardservice LinkPoint Secure Payment Gateway.
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- Internet technology changes so fast,
will I be able to use my merchant account with my Internet store
in the future?
Yes, absolutely. As Cardservice upgrades
its LinkPoint products in the future, you will receive free
upgrades to keep you on the cutting edge.
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