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Many factors determine the kind of hardware you will need, including: type of merchant account you want to establish (e.g., ecommerce, retail or direct market), the type of industry you're in, how many transactions you have a day, type of transactions you'll be processing, how many locations your business has, etc. Once we have all of this information, we will be better able to advise you on the type of equipment you'll need to be able to process credit cards. To get started contact us and we'll help you evaluate your options.
In many cases, you may be able to use the equipment you already own. Otherwise we have a variety of terminals that we can offer you.
Because each of our customers has unique needs, our processing services are customized according to the specifics of their business. Pricing is based on factors such as type of industry, method in which payments are accepted, card types accepted and a number of other variables.
If you're already a UMSI merchant, a separate merchant number will be provided for your online store. Please contact your Sales Representative to handle the add to your account..
The time it takes to establish a merchant account depends on several factors including: completeness of the application submitted, accuracy of the information provided and any required additional paperwork. After your application has been approved, it usually takes just a few hours to establish the actual account.
MasterCard® and Visa® Card Association rules and regulations govern liability with respect to disputed transactions. In general, you, the merchant, are not liable for disputed retail transactions if a card was swiped through a terminal, the cardholder's signature was obtained and an authorization was obtained. When the card is not present at the time of the transaction, the merchant assumes liability for any disputed charges. Such disputes may be reversed depending on the timing and nature of the cardholder claim. UMSI provides products and services to help our merchants manage this process efficiently.
UMSI offers several online and offline tools to access information about your merchant account. With these tools you can view, download and import account information such as transaction activity, deposits, funding, chargebacks, retrievals and statement information.
Money is deposited in merchants checking account within 48-hours of the batch settlement.
Mail-order and telephone orders. This means your business accepts a majority of credit card sales by mail or telephone.
The answer is "Yes" just like storefront merchants we want to make sure they are a legitimate business. Just extra measures to protect the merchant and buyers.
Your business will have the ability to accept all major credit cards such as Visa, MasterCard, American Express, Discover, Diners Club, JCB, and other government cards. You'll also have the ability to accept debit cards, atm cards, EBT (Electronic Benefits Transfer), and checks.
Merchant accounts are approved based on actual or projected dollar volume. UMSI monitors account activity and reserves the right to review accounts at any time should volume be significantly above or below the level represented on the merchant application.
FlexGift™ is a trademark of United Merchant Services, Inc.
United Merchant Services, Inc. is a registered ISO/MSP of HSBC Bank USA,
National Association, Buffalo, NY and Wells Fargo Bank, N.A., Walnut Crrek, CA.
American Express requires separate approval.
