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Company Who are the parties involved in the whole system? Who are our processors? Who are TSYS/TransFirst, Global Payments, Elavon and First Data? What is a Processor? What is an acquirer? What services does Straightline offer besides unbeatable rates on merchant accounts? Who do I call for support? Who pays for airline miles and other rewards? Who can qualify for accepting credit cards? Who should I trust in this very confusing industry? Who has the best rates? What are the fees involved with accepting credit cards? What is a Downgrade? What is a Virtual Terminal? What is a Terminal? What type of terminal do I need? How can I get the best possible rates while processing cards? Can I surcharge my customers who pay with a credit card? Sometimes we need to store credit card numbers, so how do we do it? How long does it take for my deposits to become available in my checking account? What do I do to get started? What is the turnaround time for getting everything set up? Processing Who is not allowed to accept credit cards? What is a Chargeback? How do Chargebacks work? What is an Authorization Fee? What is an Assessment Fee? What is a Settlement Fee? When will my money be available in my checking account? How can I determine my True Cost? How many terminals can I use simultaneously? Customers payments with gift cards are not processing How can I secure my wireless connection? Can I charge a surcharge fee for those who use credit cards? Can I offer a discount for those that don/'t use a credit card? Securing Customer Credit Card Data What is PCI Compliancy? What does PCI mean? Do I have to comply with PCI? What information does Visa offer about payment applications and PCI compliancy? How do I contact the payment card brands? What are the consequences to my business if I do not comply with the PCI DSS? The PCI Security Standards Council encourages all businesses that store payment account data to comply with the PCI DSS to help lower their brand and financial risks associated with account payment data compromises. The PCI Security Standards Council does not manage compliance programs and does not impose any consequences for non-compliance. Individual payment brands, however, may have their own compliance initiatives, including financial or operational consequences to certain businesses that are not compliant. February 2008 Article Number 1015

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