Frequently Asked Questions

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Topic Index

General

• What is a merchant account?
• Do I need a merchant account?
• How fast can we get this done?
• What if my credit is bad?
• What do I need to qualify?
• Can I use a personal checking account?
• Can I use a savings account?
• How long does it take to get my money?
• Become a Bankcard Central merchant
• What does it mean to “process” a credit card?

eCommerce

• What is an Internet Merchant Account?
• How do I get an Internet Merchant Account?
• How do I accept credit cards online?
• Can I use my account on multiple web site?
• Do I Need a Shopping Cart for Online Sales?
• Do I need a secure certificate for the order form on my web site?
• If I already have a retail account, can I use it to process Internet orders?
• How long does it take to get an Internet Merchant Account?
• Why should I automate the acceptance of credit cards at my Web site?
• Are there Web businesses like mine that are successfully accepting credit cards?
• What is Search Engine Optimization? Why is it important?
• I'm having trouble attracting customers to my Web site to make purchases. What am I doing wrong?

Merchant Related Terms

• ABA Transit Routing Number
• Automated Clearing House (ACH)
• Acquiring Bank
• What is AVS?
• Affinity Card
• Age Verification
• Arbitration
• Authentication
• Authentication (AUTH)
• Capture
• Card Associations
• Cardholder
• Cardholder Fraud
• Card Not Present ( CNP)
• Credit Card Generator
• Card Present
• Card Validation Value (CVC)
• Card Verification Value (CVV)
• Card Verification Value 2 (CVV2)
• Cash Reserves
• Chargeback
• Chargeback Period
• CISP
• Credit Card Processor
• Data Encryption Standard (DES)
• Dynamic Currency Conversion (DCC)
• Demand Deposit Account (DDA)
• Direct Deposit
• Discount
• Downgrade
• Electronic Check + Related Topics
• Gateway
• High Risk Merchant
• Mail Order Merchant
• MasterCard Secure Code
• Merchant Sales Agreement
• Mid-Qual
• Non-Qual
• Payment Gateway
• PIN Based Debit
• POS
• Processor
• Reason Code
• Recurring Transaction
• Reserves
• Retrieval
• Retrieval Request
• SSL
• Settlement
• Shopping Cart
• Store & Forward
• Swipe & Capture
• Switch
• Terminal
• Transaction
• Transaction Fee
• Truncation
• Underwriting
• USA Patriot Act of 2001
• VBV
• Virtual Terminal
• Voice Authorization
• Void
• Wireless Terminal
• Cash
• Discount Rate
• Transaction Fee
• High Risk Merchant
• Merchant Account
• Payment Gateway
• POS Device
• Secure Socket Layer (SSL)
• Terminated Merchant File (TMF)
• Virtual Terminal
• Chargeback
• Issuer
• Credit Card Authorization
  

Merchant Support Help

• Terminal Support Questions
• Updating Merchant Information

POS Terminal Types

• Hypercom T7P - Adobe PDF Format
• ICE 5500 - Adobe PDF Format
• Nurit 2085 - Adobe PDF Format
• Ingenico Elite 710 - Adobe PDF Format
• Tranz 330 - Adobe PDF Format
• Omni 3200 - Adobe PDF Format
• Omni 3750 - Adobe PDF Format
• Talento IPP - Adobe PDF Format

Credit Card Security and Risks

• What to look out for when accepting credit cards
• Security Risks when sending out emails
• Accepting Order from Foreign Locations
• Importance of AVS
• How can I verify card holders name and address with Visa and Mastercard
• Federal Trade Commission Best Business Practices

The following steps should be taken to avoid additional transaction expenses and/or reduce potentially disputed sales.

• Retail Merchants
• Mail / Telephone Order Merchants

Start Accepting Credit Cards Today!

• Apply Online
• Download our PDF Application