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I'm not sure what terminal, equipment or software I should
buy. What is best for my business?
![*]() Whether you are starting a new business or
expanding an existing one, First Data Independent Sales has
the payment solution to support your processing needs. FDIS
serves traditional and Internet businesses, as well as restaurants,
mail order/telephone order and home-based businesses.
Suggested services are:
![*]() How long before I can accept credit and/or
ATM/debit cards (i.e., the account is live)?
![*]() Once your merchant account is approved, which
usually takes two business days, you will be able to accept
cards the very next business day.
![*]() What types of merchants does FDIS sign
up?
![*]() First Data Independent Sales processes credit
and ATM/debit card transactions for more than 161,000 traditional
and Internet businesses. Whether you are building an e-commerce
Web site, a traditional brick-and-mortar business or a mail
order/telephone order business, you will want to open a FDIS
merchant account, which enables you to accept credit cards
and/or ATM/debit cards as payment for customer purchases.
![*]() How does LinkPoint®
Connect integrate with my Web site?
![*]() To manually enter credit card transactions,
you do not need any additional integration. You log on to
a secure Web site and complete the credit card transaction
using your LinkPoint® Connect virtual terminal.
![*]() How is First Data Independent Sales allowed
to process credit cards?
![*]() First Data Independent Sales is a registered
service provider for clearing and settlement institutions
that sponsor FDIS to enter MasterCard® and Visa®
transactions into the interchange system. The settlement banks
are our clearing banks and are members of MasterCard®
and Visa® associations; therefore, both card associations
are obligated to guarantee the settlement of merchant funds.
![*]() Can I be approved if I have bad credit
or no credit?
![*]() We maintain one of the highest
approval rates in the industry.
![*]() How do I get my money?
![*]() There are four steps to getting your money.
Initiating, authorizing, completing the transaction and receiving
your funds.
![*]() Step 1 - Initiating
the transaction to verify that a card is active and within
the approved spending limit:
- Brick-and-mortar and retail
or restaurant environments swipe the card or key in the
number through a point-of-sale terminal (i.e., card is
physically present).
- Mail order/telephone order environments
enter the card identifiers the customer has provided you
by mail, telephone or fax (i.e., the card is not present).
- Internet environments where
the customer provides your Web site with card identifiers
(i.e., card is not present).
Step 2 - Real-time
authorizing, which reduces chargebacks and catches card-entry
errors:
- Credit card number is entered.
- Terminal or software transmits
the credit card number and expiration date and sales total
to First Data Independent Sales.
- First Data Independent Sales transmits
data to customer's credit card-issuing bank.
- Customer's issuing bank approves
or declines the transaction.
Step 3 - Completing
the transaction:
- Merchant's terminal or software
transmits transaction details to First Data Independent Sales
in a batch at close of the business day.
- First Data Independent Sales forwards
transactions to each credit card company, which redirects
the transactions to appropriate banks.
- Bank debits credit cardholder's
account and credits First Data Independent Sales.
Step 4 -
Receiving your funds:
- First Data Independent Sales credits
your merchant account, within two business days.
![*]() When do my transactions get funded?
![*]() Within two business days after you submit
your batches to First Data Independent Sales.
![*]() How is my money protected?
![*]() First Data Independent Sales is equipped to address
the key protection issues of both traditional and Internet
merchants, including fraud, loss prevention and chargebacks.
The company uses state-of-the-art security technology, and
the LinkPoint® Secure Payment Gateway uses Secure Sockets
Layer (SSL) technology designed to protect all merchant and
payment information.
![*]() What if I need help with my account?
![*]() First Data Independent Sales has more than 200
customer service representatives available to serve you 24
hours a day, 7 days a week, in more than 140 languages and
dialects. In addition, Mymerchantoffice.com, First Data Independent Sales's
merchant-dedicated Web site, allows you to access your merchant
account information online at any time, from any location.
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