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How do I
apply for a merchant account?
How do I request more
information?
When do my transactions get
funded?
Can I be approved if I have bad
credit or no credit?
What all do I get with an
Internet merchant account?
Do I need a shopping cart for
my Internet merchant account?
What if I need help with my
account?
If I buy a terminal do I have
to process with FDIS?
What is your privacy policy?
Will I be trained to use the
credit card terminal?
What types of merchants does
FDIS approve?
How long before I can start
accepting credit cards?
I'm not sure what terminal,
equipment or software is best for my business?
How does LinkPoint API
integrate with my Web site?
How is FDIS International allowed to process credit cards?
How do I get my money?
How is my money protected?
How do I get LinkPoint API?
What is your return policy?
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1. How
do I apply for a merchant account?
Click Here To
Apply For A Merchant Account.
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2. How
do I request more information?
Click Here To
Request More Info.
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3. When
do my transactions get funded?
Usually within two business days after you
submit your batches to FDIS.
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4. Can
I be approved if I have bad credit or no
credit?
We maintain one of the highest approval rates
in the industry. With our free
application you have nothing to lose.
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5. What
do I get with an Internet merchant account?
You get four things:
- A FDIS merchant
account to accept most major credit cards.
- A LinkPoint API Secure Payment Gateway
script to integrate into your Web site so
your customers can make purchases directly
from your site 24 hours a day without you
having to run the transaction manually.
- A LinkPoint
Virtual Terminal to run transactions
manually through your computer.
- 24/7 toll free customer and technical
support along with a dedicated web site
called Mymerchantoffice.com
where you can review all of your
transactions, run reports and download
your monthly statement.
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6. Do
I need a shopping cart for my Internet
merchant account?
No, we provide you with code that passes your
customer's information to our gateway.
However, merchants that have a large number of
products may find it easier to use a shopping
cart. If you only need a virtual terminal then
you don't need a shopping cart.
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7. What
if I need help with my account?
FDIS has 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, FDIS International's merchant-dedicated Web site,
allows you to access your merchant account
information online at any time, from any
location.
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8. If
I buy a terminal do I have to process with
FDIS?
No, you can process with another processor.
While most of our equipment is compatible with
other processors it would be wise before you
make a purchase to make sure that the
equipment you buy is compatible with your
processor.
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9. What
is your privacy policy? Click
Here to review our privacy policy.
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10. Will
I be trained to use the credit card terminal?
Yes. Once you receive your credit card
terminal FDIS representative will
train you on how to use the terminal. In
addition, we provide a toll-free customer
service number you can call 24 hours a day, 7
days a week, so you can get help at any time.
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11. What
types of merchants does FDIS International approve?
First Data Independent Sales processes credit and
debit card transactions for more than 161,000
traditional and Internet businesses. Whether
you are building an e-commerce Web site, a
traditional retail business or a mail
order/telephone order business, you will want
to open a FDIS merchant
account, which enables you to accept payments
for customer purchases.
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12. How
long before I can start accepting credit
cards?
Once your merchant account is approved,
usually within one-two business days, you will be
able to accept cards the very next business
day.
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13. I'm
not sure what terminal, equipment or software
is best for my business?
Whether you are starting a new business or
expanding an existing one, FDIS International has the payment solution to
support your processing needs. FDIS International serves traditional and Internet
businesses, as well as restaurants, mail
order/telephone order and home-based
businesses.
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Suggested services
are:
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14. How
does LinkPoint APi integrate with my Web site?
To manually enter credit card transactions,
you do not need any additional integration.
You log on to a secure Web site and complete
the credit card transaction using your LinkPoint
virtual terminal. In addition, to enable
your customers to make purchases right off
your Web site, we give you API script to
integrate into your Web site. Your customers
will then be able to make purchases from your
site 24 hours a day. When they do make
purchases, you and your customer will receive
an e-mail detailing the transaction.
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15. How
is FDIS allowed to
process credit cards?
FDIS is a registered
service provider for clearing and settlement
institutions that sponsor FDIS 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.
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16. How
do I get my money?
There are four steps to getting your money; 1.
Initiating, 2. Authorizing, 3. Completing the
transaction and 4. Receiving your funds.
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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 FDIS.
- FDIS 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
FDIS in a batch at
the close of the business day.
- FDIS forwards
transactions to each credit card company,
which redirects the transactions to
appropriate banks.
- Bank debits credit cardholder's account
and credits FDIS.
Step 4-Receiving
your funds:
- FDIS credits your
merchant account, usually within two
business days.
17. How
is my money protected?
FDIS is equipped to
address the key protection issues of both
traditional and Internet merchants, including
fraud, loss prevention and chargebacks. FDIS 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.
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18. How
do I get LinkPoint API? Click
Here To Apply Online.
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19. What
is your return policy?
Return Policies* - Your complete satisfaction
is our goal! If for any reason you are not
satisfied with your equipment purchase,
Merchant Account Solutions, Inc. will gladly refund or exchange any terminal
within the conditions outlined below.
Software, Internet accounts, and set up-fees
are non-refundable.
1. We will accept returns within 30 days of
the shipping date and a 15% restocking fee
will apply to all returned credit card
terminal hardware.
2. Terminal must be returned in original
package. All parts, manuals, and cords must be
included.
3. Terminal must not be damaged, although
defective equipment is returnable.
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*Important* Your
merchant account is bound by the terms and
conditions of the merchant agreement and is
not subject to the return policy.
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