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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?
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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?
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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?
  • The merchant account industry is in turmoil right now relating to the PCI-DSS fees that just about everyone is currently experiencing. I would like to make an analysis of why we are all seeing these fees and how this whole situation came about.

    Just to dispel any hopes that these might be going away soon, they’re not. If anything, PCI is going to get much stricter, as congress has openly stated that PCI-DSS is not nearly enough.

    How did we get to this point?

    The entire PCI-DSS concept materialized many years ago when Visa created PCI and MasterCard created a program called SDP. By creating a security framework based on history, logic, and anticipated weaknesses, these programs were designed to be a model for safely storing and transmitting credit card data. Eventually the issuers joined together and created the PCI security council, which was supposed to be an envelope organization in charge of PCI standards. The idea was that it would be far easier for merchants to handle a single version of PCI, rather than Visa, MasterCard, Amex and Discover separately having their own standards. Over time, PCI-DSS gained an adoption time-line, and became much more organized. PCI covers general operating principals, but is primarily geared to network and data security, as the internet and broadband access have created unseen opportunity for thieves to remotely steal large amounts of credit card and sensitive data.

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?
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Straightline Processing is a registered ISO/MSP of Wells Fargo Bank, N.A., PO Box 6079, Concord, CA 95524
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