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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?
  • Straightline will save you a very significant amount in total true-cost because of our extremely low markup rates. ALL card processors/acquirers must EQUALLY pay the same base costs for each Visa, Mastercard and Discover card type. These rates are called Interchange Rates which fluctuate very slightly from year to year. For example, a swiped Visa rewards card has an Interchange rate of 1.64%, plus $0.10 per item. This is the bank's profit which is why they are in the business of issuing credit cards to customers. The only thing that you can control is what you are willing to pay above these Interchange Rates. Straightline does Interchange Plus Pricing which is a very fair way of charging the same markup on every type of credit card regardless of volume or number of transactions. You are not surcharged for any types of Mid-Qualified or Non-Qualified items which is where other companies inflate their rates to earn a larger profit.
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?
(704) 523-1212 | FAX (704) 631-4758 | info@straightlineprocessing.com
Straightline Processing, Inc. is a registered ISO of PNC Bank, N.A., Pittsburgh, PA
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