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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?
  • Yes, because of a suit against Visa/MC, you can now surcharge transactions up to 4%. See this article (http://www.ncsl.org/research/financial-services-and-commerce/credit-or-debit-card-surcharges-statutes.aspx) to learn more on the details but the key factor is to consider how it will affect your customer's perception of your product or service. If you penalize them, but your competitor does not, then you risk upsetting and losing that customer. My suggestion is to price everything as if you were going to get a credit card, then offer up a surprise cash bonus back to the customer in the form of a gift card to Target for example.
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?
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Straightline Processing, Inc. is a registered ISO of PNC Bank, N.A., Pittsburgh, PA
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