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| Why should I submit my information & Get a Free Quote from You? |
We know that if you give us the opportunity to show you what we can do for your business, you'll love our products and pricing. Just as importantly, you'll have all the tools you'll need to feel comfortable with your decision to make us the partner you can count on for all of your current and future processing needs.
If you're looking for a processor with low rates and no long-term contracts, cancelation fees or set- up fees, NoblePay is the obvious choice. Click here to gain access to all of our affordable solutions, product demonstrations and downloadable product brochures.
There is plenty of competition within the bankcard industry. Unfortunately, many providers use “smoke and mirrors” to make their costs appear lower than they actually are.
Did you know that many processors use teaser rates or quote select card types to make their rates appear lower than they really are, then charge more in another area to make up for it?
For example, you may see rate quotes that look exceedingly attractive. What is not readily disclosed, however, are a myriad of additional items, such as dues and assessments or rewards surcharges, that offset any savings you may have obtained from the lower rate. These hidden charges make the cost of their seemingly low rate offer much higher than what you'll enjoy with NoblePay.
Our staff has been serving merchants for over 14 years. We don't need to resort to sleight of hand techniques because we’ve always offered extremely competitive rates and fees. We pride ourselves on not just earning your business, but earning your trust.
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What are your rates? |
We have some of the very best rates you'll find anywhere, guaranteed. Rates are determined by your card acceptance method. For example, a traditional brick and mortar store is able to swipe the card and obtain a signature at the time of the sale, which is known as a card- present sale. An order taken over the phone or via the Internet is considered a card- not- present sale. To see our Rates click here.
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Why can't I just use my friend's merchant account? |
Using another company’s merchant account is called factoring or "credit card laundering" and is a violation of Visa and MasterCard regulations. Factoring can result in fines to you and the loss of the merchant account of the person who allowed you to use their account.
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How long does it take to receive money after I run a card? |
All funds are electronically deposited into your checking account and are available within 24-48 hours.
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How long does it take to setup a new account? |
Setting up an account is quick and easy! You can often be approved on the day you apply, and in most cases, we can have you up and running within 24-48 hours. To get started use our secure online application
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Is there a contract or termination fee? |
At NoblePay, we don’t believe in long-term contracts. We offer an extremely competitive program with superior service, so you’ll have no reason to look anywhere else. If you do decide to cancel for any reason, however, you can do so at any time. Just give us 30 days notice and you won't be charged an early termination fee.
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Why should I use your service instead of PayPal? |
PayPal is great for small, hobby type businesses or for individuals who want to transfer funds online. There are no monthly fees, but the rates are very high. Also, accessing your money can be a challenge because it’s not electronically deposited into you account, like a true merchant account. Instead, you need to manually request the transfer. Once that’s done, it can take 4 or more days for the funds to be deposited into your account. Having to manually request the funds transfer is time consuming and can cause cash flow challenges.
PayPal isn't transparent to the user, and won't allow you to promote your brand to your customer. Instead, you're forced to promote PayPal's brand, which can give you a less than professional image. If your company has grown to the point where it’s become a serious business, then PayPal comes up short.
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| How do I apply for a new account and what are the criteria for getting approved? |
| We typically approve 99% all sole proprietor, corporation, LLC & non-profit applicants. You can see the required data for applying at our secure online application HERE. The same fiduciary information you supplied when you established a bank account will be required when applying for a merchant account. As long as you have no recent bankruptcies, outstanding delinquencies or are not listed on a Terminated Merchant File (TMF) we can get you approved. |
| Do you offer a free terminal program? |
No, and here’s why. The old adage “You can’t get something for nothing” was never more applicable than with so- called “free terminal” programs. In this instance, “free” actually means no upfront costs.
What competitors often do is provide a merchant with a credit card terminal at no upfront cost but then charge other fees instead, such as an annual fee, a monthly minimum fee or a termination fee.
Also, you never technically own the terminal. Rather, it’s yours to use only for as long as you maintain your processing relationship with that company. In fact, the terminal is programmed in a manner that prohibits you from taking it to another service provider.
Should you decide to cancel your account, the agreement will usually specify that you return the equipment in the same condition as it was received. Of course, the definition of “same condition” is subjective, and returning equipment in flawless condition after it’s been in continual use is often impossible. The penalty for violation of this provision is usually between $595 and $795, which hardly makes it a free terminal!
The bottom line is that the excessive hidden fees and penalties free terminal providers levy make the costs of these programs far higher than meets the eye. At NoblePay, we don’t believe such practices form the foundation for building lasting partnerships with our merchants. |
| What are rewards cards? |
A full 60% of the credit cards issued in the United States today are rewards cards. Rewards cards have been designed by banks to give cardholders discounts and other perks in an effort to incent them to use their cards more often, and for larger dollar amounts. As this card category grows in popularity, merchants will be seeing charges from rewards cards more and more often on their monthly credit card processing statements.
The good thing about rewards cards is that consumers are using them in greater numbers, which mean more sales volume. The bad thing is that it’s more expensive to process these types of cards, which means merchants are forced to pay higher rates than necessary by some card processors.
One of the most common misunderstandings between merchants and card processors is related to the discount rate. When you look for a merchant account you’re quoted a base rate, such as 1.69% for card- present and 2.24% for card- not- present transactions. What isn’t usually discussed is the rate you’ll be charged for other card types, such as rewards cards and business cards.
Most processors have a three- tier system, which means the card- not- present rate will be applicable for most rewards cards. However, if you’re primarily a card- not- present merchant, some providers will initiate a rewards- based surcharge, which can be as much as 1 - 1.9% above the base rate. Some even tack on .09-.13 cents per transaction as an additional fee.
At NoblePay, all rewards cards fall to the card- not- present rate, with NO rewards- based surcharges or additional fees of any type.
Larger processing merchants may qualify for a lower rewards.
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BACK
III. Second Chargeback and Second Reversal Phase
(MasterCard only):
Once a Reversal (and the subsequent debit) is
received back at the Issuing Bank, they will
then forward the “Merchant’s Letter" back
to their Cardholder for a response. If the Cardholder
wishes to pursue the dispute further, they then
send in a “Rebuttal Letter" back
to the Issuing Bank and if the Issuing Bank feels
that their response is valid, will submit a Second
Chargeback. A Second Chargeback functions
just like a First Chargeback, except a Chargeback
fee is not assessed and the disputed amounted
is immediately debited out of the Merchant’s
business checking account. The Merchant is sent
another letter explaining what, if any, documentation
is required to pursue this dispute further. This “Second
Chargeback" phase of the dispute is then
considered “Resolved to the Merchant" and
will remain closed until the Merchant responds
back to the letter sent to them. If the Merchant
does indeed respond to the letter sent to them
a ‘"Second Reversal" phase
of the dispute is opened. An Acquirer Chargeback
Analyst will then review the letter and one of
two scenarios will occur:
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| 1. |
If the Chargeback
Analyst deems the Merchant’s response
as invalid, they will close
out this phase as “Request Denied" and
will mail a letter to the Merchant explaining
why the Chargeback cannot be pursued further
at that time. |
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| 2. |
If
the Chargeback Analyst deems the Merchant’s
response as valid, they
will submit a “Pre-Arbitration" letter
directly to the Issuing back advising that
the Acquirer believes the Merchant’s
claim is valid and that Acquirer will request
MasterCard to make an Arbitration ruling
on the dispute if the Issuer disagrees with
the Merchant’s claim. |
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| a. |
If the
Issuing Bank agrees with the Merchant’s
claim, they will simply forward the
funds back to the Acquirer and the
Acquirer will then credit the Merchant’s
business checking account accordingly.
The dispute at this point is considered “Successful" and
cannot be re-opened. |
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| b. |
b.
If the Issuing Bank disagrees with
the Merchant’s claim, they will
send a letter back to the Acquirer
advising of such. The Acquirer will
then send a form to the Merchant requesting
that they sign the form which makes
the Merchant liable for Arbitration
filing fees. (When MasterCard makes
an Arbitration ruling, it assesses
a $400.00 filing fee to the loser of
the dispute) If the Merchant does not
agree to the fees, the Acquirer simply
closes out the Second Reversal phase
of the case as “Unsuccessful".
If the Merchant does indeed agree to
the fees and submits the signed form,
the Acquirer then submits an Arbitration
Request to MasterCard directly. |
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| i. |
If
MasterCard rules in the Merchant’s
favor, the Issuer is immediately
debited and the Acquirer is credited
for the amount in dispute and
forwards the credit to the Merchant’s
business checking account. The
Issuing Bank is also assessed
the $400.00 in filing fees and
the Acquirer closes this phase
of the dispute as “Successful" |
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| ii. |
If
MasterCard rules in the Merchant’s
favor, the Issuer is immediately
debited and the Acquirer is credited
for the amount in dispute and
forwards the credit to the Merchant’s
business checking account. The
Issuing Bank is also assessed
the $400.00 in filing fees and
the Acquirer closes this phase
of the dispute as “Successful" |
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BACK
IV. Issuing Bank Pre-Arbitration Phase (Visa
only):
Once a Reversal (and the subsequent debit) is
received back at the Issuing Bank, they will
then forward the “Merchant’s Letter" back
to their Cardholder for a response. If the Cardholder
wishes to pursue the dispute further, they then
send in a “Rebuttal Letter" back
to the Issuing Bank and if the Issuing Bank feels
that their response is valid, will submit a “Pre-Arbitration" letter
directly to the Acquirer advising that they feel
that their Cardholder’s claim is valid
that they will request Visa make an Arbitration
ruling on the dispute if the Acquirer disagrees
with the Cardholder’s claim. The Merchant
is then sent another letter along with the Cardholder’s
rebuttal advising that they need to respond within
10 days. If the Merchant does not respond to
the letter within the specified timeframes, the
Acquirer Chargeback Analyst will credit the Issuing
Bank back for the disputed amount and in turn
debit the Merchant’s business checking
account. This phase of the dispute will then
be closed as “Unsuccessful". If the
merchant does indeed respond within the specified
timeframe, one of two scenarios will occur:
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| 1. |
If the Chargeback
Analyst deems the Merchant’s response
as invalid, they will close
out this phase as “Request Denied" and
will credit the Issuing Bank back for the
disputed amount and in turn debit the Merchant’s
business checking account. The Chargebacks
Analyst will also mail a letter to the Merchant
advising of the debit and will also explain
why the Chargeback cannot be pursued further
at that time. |
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| 2. |
If
the Chargeback Analyst deems the Merchant’s
response as valid, the Acquirer
will then send a form to the Merchant requesting
that they sign the form which makes the Merchant
liable for Arbitration filing fees. (When
Visa makes an Arbitration ruling, it assesses
a $400.00 filing fee to the loser of the
dispute) If the Merchant does not agree to
the fees, the Acquirer simply closes out
the Pre-Arbitration phase of the case as “Unsuccessful" and
will credit the Issuing Bank back for the
disputed amount and in turn debit the Merchant’s
business checking account. If the Merchant
does indeed agree to the fees and submits
the signed form, the Acquirer then responds
to the Issuing Bank advising them that they
do not agree with the Cardholder’s
claim. The Issuing bank then submits an Arbitration
Request directly to Visa. |
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If Visa
rules in the Merchant’s favor,
all funds remain where they are and
in addition, The Issuing Bank is assessed
the $400.00 in filing fees. The Acquirer
then closes this phase of the dispute
as “Successful" |
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If
Visa rules in the Issuing Bank’s
favor, they are immediately credited
for the amount in dispute and the Acquirer
is immediately debited for the same
amount and in turn this amount is immediately
debited from the Merchant’s business
checking account along with the $400.00
in filing fees. The Acquirer then closes
this phase of the dispute as “Unsuccessful" |
BACK
Preventing Chargebacks
Most chargeback situations arise at the point
of transaction—at the time the transaction
is completed—and most can be prevented
with a little training.
Consider these tips to avoid potential chargebacks...
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Card Present Transactions |
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Do not
complete a transaction if the authorization
request was declined. Do not repeat
the authorization request after receiving
a decline. |
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| 2. |
If
you receive a “Call" message
in response to an authorization request,
call your authorization center. Be
prepared to answer questions. The operator
may ask to speak with the cardholder. If
approved, write the authorization code
on the sales receipt. If declined, ask
the cardholder for another Visa card. |
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| 3. |
Make
an imprint for all card-present transactions. If
you have a point-of-sale terminal with
a magnetic-stripe reader, swipe the card
through the reader for every face-to-face
transaction. If the terminal isn’t
working or a card’s magnetic stripe
cannot be read, key-enter the account information
and make an imprint of the embossed information
onto the sales receipt using a manual imprinter.
Even if the transaction is authorized and
the cardholder signs the receipt, if the
receipt does not have an imprint of the
embossed account number and expiration
date, the transaction may be charged back
to you for “no imprint" if
the cardholder later denies participating
in the transaction. |
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| 4. |
Obtain
cardholder signature. The cardholder’s
signature on card-present transactions
is required. Failure to obtain the cardholder’s
signature could result in a chargeback
for “no signature" if the cardholder
denies authorizing or participating in
the transaction. Always compare the signature
on the sales slip and the signature on
the back of the card. If the card does
not carry any signature, ask the customer
to show you a picture ID, and have him
sign the card at the time of purchase. |
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| 5. |
Make
only one imprint of the card for each transaction. Making
more than one imprint can lead to duplicate
deposits and increase the chance of a chargeback.
If you need to redo a sales receipt because
of an error, write “VOID" across
the incorrect sales receipt, inform the
cardholder, and tear up the incorrect sales
receipt in view of the customer. |
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| 6. |
Ensure
that transactions are entered into point-of-sale
terminals only once—and deposited
only once. Entering the same transaction
into a terminal more than once, or depositing
both the merchant copy and the bank copy
of the sales receipt with your acquirer,
or depositing the same transaction with
more than one merchant bank can all result
in “duplicate transaction" chargebacks. |
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| 7. |
Ensure
that incorrect sale receipts are voided
and that transactions are processed only
once. |
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| 8. |
If your
establishment has policies regarding merchandise
returns, refunds, or service cancellation,
disclose these policies to the cardholder
at the time of the transaction. Your
policy should be pre-printed on your sales
receipts within ¼ inch of cardholder’s
signature; if not, write or stamp your
refund/return policy information on the
sales receipt near the customer signature
line before the customer signs (be sure
the policy shows clearly on all copies
of the sales receipt). Failure to disclose
such policies at the time of the transaction
will be to your disadvantage should the
customer return the merchandise. |
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| 9. |
Deposit
sales receipts with your merchant bank
as quickly as possible, preferably within
one to five days of the transaction date—do
not hold on to them. Failure to
deposit in a timely manner can result in
chargebacks for “late presentment." |
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| 10. |
Deposit
credit receipts with your acquirer as quickly
as possible, preferably the same day as
the credit transaction is generated.
Failure to process credits in a timely
manner can result in chargebacks for "credit
not issued." |
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| 11. |
Keep
customers informed on the status of their
transactions. |
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| 12. |
If the
merchandise or service to be provided to
the cardholder will be delayed, advise
the cardholder in writing of the delay
and the new expected delivery or service
date. |
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| 13. |
If the
merchandise ordered by the cardholder is
out of stock and delivery will be delayed
or this item is no longer available, advise
the cardholder in writing and offer the
cardholder the option of purchasing a similar
item or canceling the transaction. Do
not substitute another item unless the
customer agrees to accept it. By giving
the customer notice and the option to cancel,
you may help avoid a customer dispute regarding
the merchandise and a possible chargeback. |
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| 14. |
Ship
merchandise before depositing transaction. Don’t
deposit transactions with your merchant
bank until you have shipped the related
merchandise. If customers see a transaction
on their monthly Visa statement before
they receive the merchandise, it could
lead to a preventable chargeback. |
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| 15. |
When
refunding a customer, always credit the
same card that was used for the corresponding
sale. |
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| 16. |
Respond
to all sales draft requests. Should
you receive a request for copy of sales
draft, respond immediately. Failure to
send in copy will result in a chargeback
with no representment rights |
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| 17. |
Change
printer ribbon frequently- illegible sales
drafts can also initiate chargebacks. |
BACK
Card-not present Transactions:
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| 1. |
Do not
complete a transaction if the authorization
request was declined. Do not repeat
the authorization request after receiving
a decline. |
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| 2. |
If
a customer requests cancellation of a recurring
transaction which is billed periodically
(monthly, quarterly, annually), always
respond to the request and cancel the transaction
immediately or as specified by the customer. As
a customer service, advise the customer
in writing that the service, subscription,
or membership has been cancelled and state
the effective date of the cancellation.
Failure to respond to customer cancellation
requests almost always leads to chargebacks. |
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| 3. |
If the
merchandise or the service to be provided
to the cardholder will be delayed, advise
the cardholder in writing (e-mail for e-commerce
merchants) of the delay and the new expected
delivery or service date. Also, if the
item is out of stock or no longer available,
offer the cardholder the option of purchasing
a similar item or canceling the transaction. Do
not substitute another item unless the
customer agrees to accept it. By giving
the customer notice and the option to cancel,
you may help avoid a possible chargeback |
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| 4. |
Ship
merchandise before depositing transaction. Don’t
deposit transactions with your merchant
bank until you are about to or have shipped
the related merchandise. If customers see
a transaction on their monthly Visa statement
before they receive the merchandise, it
could lead to a preventable chargeback. |
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| 5. |
When
refunding a customer, always credit the
same card that was used for the corresponding
sale. Do not offer a check or
other form of payment in place of a refund. |
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| 6. |
Use
the Address Verification tool (AVS) and
require a perfect match on cardholder’s
billing address. Partial AVS match
will not stand in a “non authorization" chargeback
scenario. If you need assistance in setting
the AVS properly on your Gateway, contact
your payment gateway provider or the Loss
Prevention department of your credit card
Processor for assistance. |
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| 7. |
Make
sure the billing and the shipping address
are the same. If not, make sure
you verify the shipping address. You can
search through the Yellow-White pages,
ask for a copy of a utility bill, or a
copy of a Driver’s License to validate
the shipping address. You can also ask
the customer to call the Issuer and add
the new address to the billing information |
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| 8. |
Obtain
and verify the Card Code (CVV2/CVC2). This
is the 3-4 digits number on the back of
your card (on the front for American Express).
This information can be captured only if
your shopping cart, and your gateway are
set up for it. Please, contact your webmaster
and/or Gateway provider for details. |
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| 9. |
Cancellation/Return
Policy needs to be acknowledged by cardholder. Policy
needs to be acknowledged by the customer.
For telephone or mail order merchants,
policy must be acknowledged with a signature
on the order form, contract, or invoice.
For e-commerce merchants, policy can be
incorporated in the online Terms and Conditions
of the sale, and require the cardholder
to click on an “I agree" button
before completing the order. |
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| 10. |
Generate
an RMA number for submitted cancellations. |
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| 11. |
Obtain
signed proof of delivery. Tracking
numbers without a signature are not considered
valid proof of delivery. |
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| 12. |
Verify
the Internet Protocol (IP) address. Even
though the IP verification is not a 100%
guarantee, adding this feature will help
you detect fraud. Your Gateway provider
and/or other software vendor should be
able to help you get started with this
validation process. There is a variety
of IP validation software that can be downloaded
at no cost. |
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BACK
12 potential signs of Card Not Present Fraud
Keep your eyes open for the following fraud indicators.
When more than one is true during a card-not-present
transaction, fraud might be involved. Follow
up, just in case.
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First-time
shopper: Criminals are always
looking for new victims. |
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Larger-than-normal
orders: Because stolen cards or
account numbers have a limited life span,
fraudsters need to maximize the size of
their purchase. |
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| 3. |
Orders
that include several of the same items: Having
multiples of the same item increases a
criminal's profits. |
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| 4. |
Orders
made up of “big-ticket" items: These
items have maximum resale value and therefore
maximum profit potential. |
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| 5. |
“Rush" or “overnight" shipping: Crooks
want these fraudulently obtained items as
soon as possible for the quickest possible
resale, and aren’t concerned about
extra delivery charges. |
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| 6. |
Shipping
to an international address: A
significant number of fraudulent transactions
are shipped to fraudulent cardholders outside
of the U.S. Visa/MC address verification
(AVS) can't validate non-U.S., except in
Canada and the United Kingdom or few other
banks who participate in the US AVS program. |
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| 7. |
Transactions
with similar card account numbers: Particularly
useful if the account numbers used have
been generated using software available
on the Internet. |
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| 8. |
Shipping
to a single address, but transactions placed
on multiple cards: Could involve
an account number generated using special
software, or even a batch of stolen cards. |
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| 9. |
Multiple
transactions on one card over a very short
period of time: Could be an attempt
to "run a card" until the account
is closed. |
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| 10. |
Multiple
transactions on one card or a similar card
with a single billing address, but multiple
shipping addresses: Could represent
organized activity, rather than one individual
at work. |
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| 11. |
In online
transactions, multiple cards used from
a single IP (Internet Protocol) address: More
than one or two cards could definitely
indicate a fraud scheme. |
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| 12. |
Orders
from Internet addresses that make use of
free e-mail services: These e-mail
services involve no billing relationships,
and often neither an audit trail nor verification
that a legitimate cardholder has opened
the account. |
BACK
Visa – MasterCard Card Not Present fraud
prevention tools
Appropriate preventive action can help reduce
fraudulent transactions and potential customer
disputes. Make use of these Visa tools and controls
to verify the legitimacy of the Visa cardholder
and the card in every card-not-present transaction.
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Description |
| Address Verification
Service (AVS) |
Allows card-not-present merchants
to check a cardholder’s billing address
with the card Issuer. The merchant includes
an AVS request as part of the authorization
and receives a result code indicating whether
the address given by the cardholder matches
the address on file with the Issuer. |
| Card CodeVerification
(CVV2- CVC2) |
This is a three-digit number
imprinted on the signature panel of Visa-MasterCard
cards to help card-not-present merchants
verify that the customer has a legitimate
card in hand at the time of the order. The
merchant asks the customer for the card code
and then sends it to the card Issuer as part
of the authorization request. The card Issuer
checks the card code to determine its validity,
then sends a result back to the merchant
along with the authorization. |
| Verified by Visa
(VbV) |
Enables e-commerce merchants
validate a cardholder's ownership of an account
in real-time during an online Visa card transaction.
When the cardholder clicks "buy" at
the checkout of a participating merchant,
the merchant server recognizes the registered
Visa card and the “Verified by Visa" screen
automatically appears on the cardholder’s
desktop. The cardholder enters a password
to verify his or her identity and the Visa
card. The Issuer then confirms the cardholder’s
identity. |
| MasterCard SecureCode |
MasterCard enables e-commerce
merchants to actually validate that a MasterCard
cardholder is authorized to use the card
and qualify the transaction for a guaranteed
payment that protects against cardholder
unauthorized chargebacks.
MasterCard SecureCode runs on your website
and interacts with both the customer and
their card Issuer. When your customer is
checking out, a simple pop-up box appears
asking them to enter a private code that
has been registered with their bank.
Their bank then validates that code and provides
you with a means of achieving a fully guaranteed
transaction. For more information, visit http://www.mastercardmerchant.com |
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What is Authorize.Net?
Authorize.Net is the preferred payment gateway
among resellers and merchants for managing payment
transactions using the power and speed of the Internet.
Authorize.Net also provides other business enhancing
products that help merchants manage their transactions.
What is a payment gateway?
A payment gateway is a complex system of computer
technologies and processes that allow merchants
to electronically submit payment transactions
to the payment processing networks (i.e., the
Credit Card Interchange and the Automated Clearing
House Network) via the Internet. More specifically,
payment gateways provide the necessary Internet
infrastructure that enables merchants to accept
credit card and electronic check payments from
Web sites.
BACK
What does Authorize.Net do?
Authorize.Net facilitates the submission and
routing of credit card and eCheck.Net® payment
transactions on behalf of its client merchants
to the processing networks in real-time—24
hours a day, seven days a week. The Authorize.Net
Payment Gateway supports all types of merchant
business models, including: from Web sites, at
retail (physical locations where payment is presented
directly to the merchant by the customer at the
time of purchase), mail order/telephone order
(MOTO) call and fulfillment centers, and from
wireless devices.
Authorize.Net also provides merchants with business
and transaction enhancing products, such as eCheck.Net®,
Automated Recurring Billing™, and Fraud
Detection Suite™.
BACK
What services and products
does Authorize.Net provide?
Primarily, Authorize.Net provides payment gateway
or IP payment processing services to Web sites,
retail (physical location where payment is presented
directly to the merchant by the customer at the
time of purchase), MOTO, and mobile merchants.
Authorize.Net also provides other value adding
payment processing products that help merchants
enhance transaction processing, streamline their
business, and save time and money. Some of Authorize.Net’s
value-products are: Automated Recurring Billing™ (ARB),
Fraud Detection Suite™, and support for
Verified by Visa and MasterCard® SecureCode™.
In addition, Authorize.Net offers an exclusive
electronic check payment option, eCheck.Net®.
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What type of merchants
use Authorize.Net?
The Authorize.Net Payment Gateway supports all
types of merchant business models, including:
from Web sites, at retail (physical locations
where payment is presented directly to the merchant
by the customer at the time of purchase), mail
order/telephone order (MOTO) call and fulfillment
centers, and from wireless devices for mobile
merchants.
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Where does Authorize.Net
fit in the credit card payments process?
In the credit card payments process, Authorize.Net
sits between the merchant and the payment processing
entity (e.g., FDMS, TSYS Acquiring Solutions
(SM), Global) that does business with the merchant’s
bank. Authorize.Net also has a relationship with
the payment processing entity, which allows Authorize.Net
to pass transaction information on behalf of
the merchant via the Internet (over a proprietary
and secure connection).
A typical Authorize.Net credit card transaction
flows in the following way:
- A credit card transaction is
submitted to the Authorize.Net Payment Gateway
either from a merchant Web site or directly
from a merchant.
- Authorize.Net automatically
passes the transaction to the Acquiring Bank’s
Processor (the payment processor that does
business with the merchant’s bank).
- The Acquiring Bank’s
Processor passes the transaction to the Credit
Card Interchange System (an entity that routes
payment information to the parties involved
in settling a credit card transaction).
- The Credit Card Interchange
System routes the transaction to the appropriate
Credit Card Issuer (the bank or organization
that issued the customer their credit card).
- The Credit Card Issuer approves
or declines the transaction and passes both
the transaction results and the appropriate
funds back through the Credit Card Interchange
System.
- The Credit Card Interchange
System relays the transaction results to the
Acquiring Bank’s Processor.
- The Acquiring Bank’s
Processor relays the transaction results to
Authorize.Net.
- Authorize.Net stores the transaction
results and sends it back to the merchant and
customer.
- The Credit Card Interchange
System also passes the appropriate funds for
the transaction to the Acquiring Bank (the
merchant’s bank).
- The Acquiring Bank passes remaining
funds to the merchant’s bank account.
On average, steps 1-8 take only 3 to 4 seconds!
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What credit cards does
Authorize.Net support?
Authorize.Net supports all major credit cards:
Visa, MasterCard, Discover, American Express,
Japan Credit Bureau (JCB), Diner’s Club.
Authorize.Net also has an exclusive electronic
check solution, eCheck.Net®.
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How secure is submitting transactions over the
Internet?
Submitting transactions over the Internet can
be as secure as providing credit card or check
payments in person. All parties involved with
processing any payment transaction—including
customers, merchants, merchant service providers
or businesses that handle customer payment information,
and payment gateways—should be vigilant
about protecting customer payment information.
For merchants and merchant service providers
that may handle customer payment information,
there are many payments industry security initiatives
and programs in place that are designed to safeguard
customer payment and other sensitive information—programs
with which in many cases they are required to
prove compliance. As you seek merchant service
providers to work with, be sure to find out about
their efforts to meet industry standard security
requirements and practices. A professional organization
will do everything in their capacity to meet
and maintain the highest levels of Internet security—which
is why Authorize.Net is compliant with maintaining
the highest industry security standards.
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Does Authorize.Net store
customer payment information?
For the purpose of risk management and to be
able to process certain types of subsequent transactions
(e.g., recurring billing, refunds), yes, Authorize.Net
will store customer payment information in a
highly secured database for a limited period
of time. However, all sensitive or personally
identifying customer information that is stored
by Authorize.Net is masked in the Merchant Interface
and in merchant reporting. In addition, in order
to maintain compliance with several card association
regulated security compliance programs, internal
access to customer information is highly restricted.
Once customer payment information has been stored
for 120 days (from the date it was originally
received), the Authorize.Net purges the full
information and stores only masked information.
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How secure
is Authorize.Net?
Authorize.Net is uncompromising when it comes
to providing merchants with secure, trustworthy
payment processing services. For receiving and
transmitting customer payment information Authorize.Net
implements the most advanced Internet security
protocols including 128-bit Secure Sockets Layer
(SSL). On top of that, Authorize.Net consistently
employs an extensive number of strong practices,
procedures and industry leading technologies
to maintain tight security for the entire payment
gateway platform. We also maintain compliance
with high quality security programs developed
by the card associations, such as Visa Cardholder
Information Security Program (CISP) and MasterCard
Site Data Protection (SDP); and are continually
investing time and money to maximize the security
surrounding the payment gateway.
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What is Secure Sockets
Layer (SSL)?
Secure Sockets Layer (SSL) is an Internet protocol
that safeguards electronic communications between
two or more computers. For a communication or
transaction that is transmitted over an “end
to end" SSL connection, the computer initiating
the transmission will open an SSL connection.
This means that when Computer A sends a request
to Computer B to transmit information, Computer
A will include a digital certificate—a
complex authentication tool that is basically
a third-party issued certification that Computer
A is a trustworthy source. Computer B then accepts
the transmission and, in the event that Computer
B has information to return to computer A, the
SSL connection may remain open until the transaction
between the two computers is complete.
Server-side SSL can also be used in the event
that Computer A doesn’t have the necessary
digital certificate or the ability to open an
SSL connection to submit a communication to Computer
B. However, Computer B may have some other means
of authenticating the trustworthiness of Computer
A or other computers that are submitting communication
requests. Any transmissions sent to other computers
by computer B will be transmitted via an SSL
connection to those computers. In this case,
the SSL connection is terminated once Computer
B has completed its transmission.
When transmissions are sent over an SSL connection,
they cannot be intercepted, viewed or modified
by other parties on the Internet. As such, customer
payment information is transmitted securely.
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What does Internet Protocol
(IP) mean?
Internet Protocol (IP) is the method of transmitting
information and communications between computer
systems and networks via the Internet. For the
payments industry, the ability to use IP to transmit
customer payment information directly to the
processing network has revolutionized the way
merchants run business—opening doors to
a wide range of new payments acceptance opportunities,
including from Web sites and wireless devices,
to helping store-front merchants cut costs and
speed up checkout lines.
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What does Authorize.Net
do to protect merchants from fraud?
Authorize.Net recognizes that fraud may well
be the biggest challenge facing our merchants—which
is why helping merchants protect themselves from
fraud is one of our highest priorities. There
are several ways Authorize.Net protects merchants
from fraud:
- Unlike other payment gateways,
Address Verification Service (AVS) and Card
Code Verification (CCV) tools come with our
standard payment gateway accounts—helping
merchants build their fraud protection program
from the ground up.
- Authorize.Net has an established
and dedicated Fraud Management Department,
dedicated to the daily monitoring of merchant
accounts and development of merchant protection
practices and program.
- Based on extensive research
and criteria developed by our dedicated Fraud
Management Department, the Authorize.Net Fraud
Detection Suite (FDS) provides an unrivaled
set of transaction filters and tools that empower
merchants to identify, prevent and manage potentially
fraudulent transactions.
Authorize.Net is continually investing money
and resources into providing merchants with the
tools and information they need to protect themselves
from fraud.
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How do I connect my Web
site to Authorize.Net?
Connecting your Web site to the Authorize.Net
Payment Gateway requires some additional code
and development for your Web site. To do this,
you will need to make arrangements with your
company’s Web developer or a contracted
Web developer. See the Auhthorize.net Connection
Methods page for more information about our
secure connection methods. Your Web developer
may be able to help you choose the connection
method that is right for your business.
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Can Authorize.Net process
my point-of-sale (POS) transactions?
Yes! Retail merchants can harness the power and
speed of the Internet to submit payment transactions,
cutting costs and speeding up checkout lines.
Authorize.Net offers a variety of POS solutions
for all types of retail merchants through our
partner POS solutions providers. In fact, many
of our partner POS solutions providers offer
POS hardware and software that is already integrated
to the Authorize.Net Payment Gateway.
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I want to process transactions
via IP from my retail store, how do I get started?
To process your retail transactions via the Authorize.Net
Payment Gateway, you will need an Authorize.Net
Card Present Payment Gateway account, and a Card
Present merchant bank account (a type of bank
account that allows you to collect proceeds from
retail transactions). To obtain these services,
you can choose one of many of our partner point
of sale (POS) solutions providers.
Many of our partner POS solutions providers offer
POS hardware and software that is already integrated
to the Authorize.Net Payment Gateway. If you
would like more information about what is necessary
to integrate directly to the Authorize.Net Payment
Gateway yourself, please see the Authorize.net Card
Present Implementation Guide.
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I already have an Authorize.Net
Payment Gateway account for processing transactions
online—do I need another one to be able
to process retail transactions using Authorize.Net?
Yes, you will need a separate Authorize.Net Card
Present payment gateway account.
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What is a merchant bank
account?
A merchant bank account is a type of financial
institution or bank account that allows merchants
to collect proceeds from consumer bank account
or credit card payment transactions. A Card Present
(CP) merchant account is used by merchants that
process IP transactions received at a physical
location, where payment is physically presented
to the merchant by the customer at the time of
the transaction. A Card Not Present (CNP) merchant
account is used by merchants that receive payments
electronically or in situations where payment
is not physically presented to the merchant by
the consumer at the time of the transaction.
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What does an Authorize.Net Payment Gateway account
include?
A standard Authorize.Net Payment Gateway account
includes the following:
- Connection Methods – Several
options including AIM, SIM and Card Present.
- Merchant Interface – A
password-protected Web site that allows merchants
to manage transactions, change security and
account settings, and generate reports.
- Virtual Terminal – Included
in the Merchant Interface, the Virtual Terminal
allows merchants to manually key in and submit
transactions easily and quickly.
- Batch Upload – Included
in the Merchant Interface, the Batch Upload
feature allows merchants to upload multiple
transaction at once and facilitates uploads
from a spreadsheet or proprietary business
application.
- Address Verification Service
(AVS) – A fraud prevention tool that
allows merchants to filter transactions that
are submitted with billing addresses that do
not match the cardholder’s billing address
on file at the card issuing bank.
- Card Code Verification (CCV) – A
fraud prevention tool that allows merchants
to filter transactions that are submitted with
a card code that does not match the cardholder’s
card code on file at the issuing bank.
- Free Customer Support – Authorize.Net
provides live technical and account support
seven days a week, as well as access to online
documentation and user guides.
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What is the Merchant
Interface?
The Merchant Interface is a password-protected
Authorize.Net Web site that allows merchants
to manage transactions, change security and account
settings, generate reports, and sign up for value-adding
products.
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What is the Virtual Terminal?
The Virtual Terminal is a feature of the Merchant
Interface that allows merchants to manually key
in and submit transactions easily and quickly.
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What is Batch Upload?
Batch Upload is a feature of the Merchant Interface
that allows merchants to upload multiple transactions
at a time from a spreadsheet or proprietary business
application.
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What is eCheck.Net®?
How do I sign up for it?
Authorize.Net’s exclusive electronic check
payment solution. eCheck.Net® allows merchants
to post charge and refund transactions directly
to a customer’s bank account from their
Web site. For merchants already processing credit
card transactions using Authorize.Net, using
eCheck.Net is easy. Authorize.Net provides combined
transaction management, reporting and customer
support.
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What is Automated Recurring
Billing™ (ARB)?
ARB is an Authorize.Net value-add product that
allows Web and MOTO merchants to create a recurring
billing schedule or “subscription" for
the purchase of goods or services. Merchants
enter transactions and customer billing information,
specify a billing amount and billing interval
and ARB does the rest—automatically generating
subsequent transactions for the duration of the
subscription.
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What is Fraud Detection
Suite™ (FDS)?
FDS is a powerful, rules-based set of transaction
filters and Internet Protocol (IP) address tools
designed specifically to help Web merchants identify,
manage and prevent costly fraudulent transactions.
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What processors does Authorize.Net
support?
Authorize.Net has a relationship with CardSystems
Solutions, Concord EFSnet, First Data Merchant
Services (Omaha and Nashville processing platforms),
Global Payments, RBS Lynk, Nova Information Systems,
Paymentech (Tampa processing platform), and TSYS
Acquiring Solutions (SM).
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