We work with you through the entire process from application to activation, including the lease or purchase of equipment, programming it to suit your needs, and step-by-step instructions for accepting card payments.

Yes, we can set you up to accept debit or check cards as well as credit cards.

Interchange is the clearing process that card associations such as Visa® and MasterCard® facilitate to settle transactions between banks that issue credit cards and banks or service providers that process card transactions for merchants.

The interchange process makes it possible for customers with credit cards from hundreds of different banks to make purchases at thousands of merchant locations. As part of the interchange process, card associations charge banks or service providers that process card transactions an interchange fee for each transaction.

This fee goes to the cardholder's bank, known as the issuer, as compensation for expenses incurred in providing lines of credit to cardholders. Interchange fees make up a part of your merchant discount rate. The other part of your discount rate—the processing fee—compensates the bank that provides authorization, deposit, and settlement services for your transactions.

To apply for an account, just complete our online form. A representative will contact you within 1 hour.

If you're an existing Bank of America merchant, call your account manager to get pricing information on everything from equipment to value-added services. If you're not currently a Bank of America merchant, complete the online form and include your pricing request in the section labeled "Additional Comments and Questions." A representative will contact you within 1 business day.

A chargeback is a processed credit card transaction that is reversed (charged back) to a merchant because the customer or customer's bank finds something wrong with the transaction.

There are several reasons a transaction can be reversed:

• Authorization error—a transaction was allowed even though the authorization was declined
• Processing error—incorrect calculation on the sales draft, invalid account number, or expired card
• Customer disputes—the customer denies taking part in the transaction, claims purchased merchandise or services were never received and an attempt was already made to resolve the dispute, mail order merchandise was defective, or a promised credit was never processed

• Just follow the steps detailed in your Merchant Guide

Selling online offers "brick and mortar" retailers a terrific opportunity to grow their businesses through a cost-effective additional sales channel. Open 7 days a week, 24 hours a day, an online store it is not limited by time or geography. And, electronic commerce offers many new avenues for building a broader customer base.CONTACT US FOR PRIVATE WEBINAR FOR DETAILS!!!