Until recently non-bankcards were considered any card types other than Visa and MasterCard including American Express (AmEx), Discover, Diners Club, Carte Blanche and JCB. The recent inception of American Express OptBlue and Discover MAP have allowed card types processed under these programs to be considered bankcards.

All of our merchant account applications come with Visa, MasterCard, Discover, Diners Club, Carte Blanche and JCB and have an option to request American Express. The exception is for Optimal Payments applications which have the option to accept Discover and JCB separately. For American Express, you will have the option to sign up when completing a merchant application or complete a card type addition form there after.

Some benefits of accepting American Express are:

14% of American Express card members carry no other charge card
55% agree that American express is their card of choice

To add a new American Express merchant account, contact our office and we will send you a form that needs to be completed and send back to us. We will then submit your application for approval. Once approved, we will provide you with an American Express account number under the appropriate program described below and add it to your merchant account with us.

ESA (External Sales Agent) American Express program is for merchants that are franchises, process over 500k in American Express charge volume annually, reside outside the 50 US states and belong to certain industries as defined by American Express. American Express makes the decision to approve or decline new ESA applications. All ECE Processors offer this program. Please note that effective December 31, 2015, the American Express ESA program will no longer be available.

Any merchant that is not required to be set up on ESA will be set up for OptBlue if the merchant wants to accept American Express. The American Express OptBlue program makes it easier for you to reconcile your merchant account by generating one statement with transactions and fees for all card types. OptBlue American Express deposits are credited at the same time as all other card types. This program is offered by all of our processors iPayment Inc., Paya Payment Solutions, CardConnect and Intuit Payment Solutions at this time. The participating ESA processors make the decision to approve or decline the American Express OptBlue applications. Merchants who are estimated to process over $1 million in annual American Express Charge Volume are not eligible for OptBlue.

There is no setup fee associated with the OptBlue program. You will pay a discount fee and a transaction fee.

iPayment and Intuit Payment Solutions/IMS require the merchant account to be set up on the Omaha or Nashville platforms. For Paya and Pivotal Payments the OptBlue program only works on TSYS.

OnePoint merchants will be converted to OptBlue automatically.

Yes, you will need to close your existing ESA American Express account with American Express by directly contacting their customer service department at 800-528-5200. Once the old account is closed, contact us and we will send you a form that needs to be completed and send back to us. Our contact information can be found under contact us page. We will then submit your application for approval. Once approved, we will provide you with a new American Express account number under the new American Express OptBlue program and add it to your merchant account with us.

Some benefits of accepting Discover cards are:

JCB cards can now be accepted from any US merchants accepting Discover cards
Customers who prefer to use Discover cards look for vendors accepting Discover cards first

MAP (Merchant Acquiring Program) is our standard offering for all new merchants along with their Visa and MasterCard accounts. With this program, merchants will process under the same discount rates for all card types except American Express and receive one statement for all credit card types except American Express if they are not set up on OptBlue. This program is offered only by our processors iPayment Inc., Innovative Merchant Solutions and Paya Payment Solutions at this time. Optimal Payments merchants should have this option in the near future.

There is no separate monthly fee for Discover MAP accounts. The MAP merchant account is included with the standard merchant account monthly customer service fee. All rates are set by the processor and typically match the Visa and MasterCard discount and transaction rates billed by the processor.

Traditionally these card types were considered non-bankcards but are now processed with all merchants accepting Discover and MasterCard. Hence they are considered bankcards under these programs.

None of our processors charge to set up a non-bankcard account with the exception of Paya Payment Solutions. Paya charges $35 if the non-bankcard account is requested 30 days after the merchant account is approved.

Debit is an electronic payment method that allows cardholders to access funds from their bank account at the point of sale using a debit card and a Personal Identification Number (PIN). The cardholder must enter a PIN to authorize payment of goods, and once the transaction is authorized, the money is debited from the cardholder's bank account and credited to the merchant. This service allows customers to securely purchase products and services using their existing bank account while allowing businesses to expand their online payment options beyond credit cards and significantly reduce their processing fees.

Reduced Processing Fees - Merchants are charged a flat fee for each on-line (PIN-based) debit transaction instead of a percentage rate (discount fee) plus transaction fee. Each network may have nominal additional transaction and discount fees.

Reduced Fraud - Purchases are authorized at the time of sale, reducing the potential losses inherent with other types of payments, such as paper checks.

Eliminates credit card chargebacks - PIN-based debits are not subject to chargebacks.

Transactions cannot be downgraded - PIN-based debits are not subject to the downgrade fees that sometimes apply to credit card transactions that did not qualify for the best rate.

To process PIN-based debit transactions, the debit card must be swiped through a PIN Pad that has been programmed with a unique encryption security code. Instead of signing the receipt for the transaction the customer will be prompted to enter his or her PIN number into the PIN Pad. The terminal will encrypt the PIN number and pass it to the bank for verification.

There are two types of debit card transactions: PIN-based (online) and signature-based (off-line). Debit cards that have a VISA or MasterCard logo on them can be processed without entering a PIN code. These types of transactions are referred to as "off-line" debit transactions. In this type of sale the merchant accepts a debit card the same way in which they would accept a normal credit card. The card is swiped through the terminal and the consumer signs the receipt. As far as the merchant is concerned there is no difference in the way a credit card or an off-line debit card is processed. Funds are transferred from the consumer's bank account just as in a PIN-based ("on-line") debit transaction. However, the main disadvantage to the merchant is that the same discount fees charged to credit card transactions also apply to off-line debit transactions, which may or may not increase the expense of processing based on your average ticket.

PIN-based - The cardholders ATM, debit or check card, Personal Identification Number (PIN) and a magnetic-stripe reader are used at the point of sale to provide fast, efficient online debit transactions. The POS terminal dials for an authorization directly to the card issuer, and the cardholders checking account is immediately debited for the transaction. Your customer receives a speedy and convenient payment choice, while you reap the rewards of immediate funding, a possible lower transaction fee and chargeback protection.

Signature-based - MasterCard and Visa-branded debit cards, often referred to as check cards, may be accepted at any credit card POS terminal. Unlike PIN-based debit transactions, signature-based purchases are debited to the cardholders checking account within 2 to 3 business days rather than immediately. With signature-based debit, you'll pay a little more to process a transaction, eliminate the customer cash-back option and receive little protection against potential chargebacks.

Contact your sales representative and request that your account be configured to accept PIN-based (online) Debit/ATM cards. Our customer service will activate the debit payment type for your merchant account. After activating your account and receiving a PIN pad (or if your terminal has a built in pin pad) you can start processing debit transactions using the Process Debit option in your Terminal. This is an additional service which will carry a monthly fee.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. PCI DSS is a worldwide information security standard assembled by the Payment Card Industry Security Standards Council (PCI SSC). The standard was created to help organizations that process card payments to prevent credit card fraud through increased controls around credit card data security.

The standards can be found here on the PCI SSC's Website.

The twelve requirements for building and maintaining a secure network and systems can be summarized as follows:

1. Install and maintain network security controls: Use firewalls and other technologies to control network traffic and enforce policies, adapting to virtual and cloud environments.
2. Apply secure configurations to all system components: Change default passwords, remove unnecessary software, and disable unused services to reduce vulnerabilities.
3. Protect stored account data: Avoid storing payment data unless necessary; encrypt sensitive data and render payment account numbers unreadable if stored.
4. Protect cardholder data during transmission: Encrypt primary account numbers (PANs) when transmitted over public networks to prevent unauthorized access.
5. Protect systems from malicious software: Implement measures to prevent malware infiltration through various vectors like email and internet use.
6. Develop and maintain secure systems and software: Install security patches promptly, follow secure coding practices, and manage system changes carefully to eliminate vulnerabilities.
7. Restrict access to cardholder data: Control access based on job roles and the principle of least privilege to minimize unauthorized access risks.
8. Identify users and authenticate access: Assign unique IDs, authenticate users, and monitor accounts with access to payment data to trace actions to authorized personnel.
9. Restrict physical access to cardholder data: Secure physical access to systems and data storage locations to prevent unauthorized entry or removal of sensitive information.
10. Log and monitor all access to system components: Maintain logs for tracking user activities, detecting anomalies, and facilitating forensic investigations in case of security incidents.
11. Test security of systems and networks regularly: Conduct frequent security tests and assessments to identify and fix vulnerabilities introduced by new software or discovered by attackers.
12. Support information security with policies and programs: Establish and enforce security policies that educate employees about protecting payment data and outline organizational responsibilities for maintaining security standards.

The PCI DSS Compliance check is a procedure implemented to perform a review of your data security practices. This procedure will review if you are currently processing credit cards using approved equipment, POS software and/or hosted Virtual Terminal under the Payment Card Industry Data Security Standards (PCI DSS) requirements. To initiate PCI DSS analysis, go to the following websites based on your processor and complete the preliminary questionnaire. This will then direct you to the appropriate PCI DSS Self-Assessment Questionnaire and a quarterly network scan if applicable.

Paysafe

Paya Payment Solutions

Intuit Payment Solutions - (Please call Control Scan at 1-800-771-8603 to request your username and password)

Optimal Payments - (select Optimal Payments as your Acquiring Bank or Merchant Processor)

CardConnect

Pivotal

Each of our processors has partnered with a certified PCI vendor who will guide you through the PCI DSS analysis. They are also called Approved Scanning Vendors (ASV) since they provide network scanning services. Listed below is the PCI vendor your processor has selected.

Paysafe - Aperia

Paya - Aperia

Intuit Payment Solutions - Control Scan

Optimal Payments - SecurityMetrics

CardConnect - SecureTrust

Pivotal - Aperia

In an effort to reduce fraud and the related cost associated with data breaches, all processors are required to ensure that their merchants businesses are compliant, including the use of compliant payment applications. Processors are also required to report any non-compliant merchants to the credit card associations. The fee associated with this procedure (the PCI DSS analysis fee) is in addition to any fees payable under your agreement with your processor. See below for PCI DSS analysis fees charged by your processor.

Paysafe - Merchants boarded prior to July 1st 2023, will be moved to a monthly PCI Compliance Fee of $12.95 ($50k data breach protection) or $29.95 ($100k data breach protection). Merchants boarded after July 1st 2023 will remain in existing rates between $10 and $20.

Paya - A PCI DSS Analysis fee of $99 will be billed on the June statement.

Intuit Payment Solutions - The PCI DSS validation service costs will be determined based on the number of card transactions you processed in the last 12 months. Merchants that processed from 1 to 24 transactions will be charged $35 per year, merchants that processed from 25 to 99 transactions will be charged $50 per year and the merchants that processed 100 plus transactions will be charged $100 per year. This will be billed on the April statement.

Optimal Payments - The cost of the PCI DSS validation service is $204 per annum, or an equivalent cost in foreign currency. Merchants who do not require vulnerability scan services will be billed only $35 per year. This will be billed on the statement following the month you request access to the validation service, and will renew same month every year.

CardConnect - An annual PCI Compliance Fee of $99.00 will be billed on the July statement for all merchants.

Pivotal - An annual PCI compliance fee of 139.80 will be charged in November, in addition to the 6 dollar monthly Fee.

Paysafe: If PCI DSS compliance is not completed by the 22th of the current month, Merchants boarded prior to July 1st 2023, will be moved to a monthly PCI non-Compliance Fee of $39.95 ($50k data breach protection) or $89.95 ($100k data breach protection). Merchants boarded after July 1st 2023 will remain in existing non-complilance fee of $35.00.a non-compliance fee of $39.95 per month will be charged to your statement. Paysafe will continue to charge this fee monthly until the PCI validation process is completed. You must complete the entire PCI process (including scanning if required) by the 24th of any given month to avoid the monthly PCI non-action fee. For example, to avoid this fee for the month of October and subsequent months, you must complete the PCI DSS analysis by October 24.

Paya: Effective July 2023, Paya will bill a PCI Non-Compliance Assessment Fee calculated as 0.0015 (15bps) multiplied by the previous month's processing volume, in addition to the monthly PCI Non-Compliance Fee. This fee is only applicable to merchants who are deemed PCI non-compliant. Additionally, if PCI DSS compliance is not completed by the last day of the month after your current compliance expires, a monthly Non-compliance fee of $35 will be added to your statement. For example, if you are billed for the PCI DSS fee on the June statement, you have until July 31st to complete your PCI DSS validation process. If you do not become PCI Compliant by July 31st, you will be billed a $35 Non-compliance fee on the July 2013 statement. Paya will continue to charge this fee monthly until the PCI DSS validation process is completed. You must complete the entire PCI DSS process before the last day of any given month to avoid the monthly Non-compliance fee. NOTE - If you notice that you were billed the Non-compliance fee in error for any month, please contact Paya to have it waived.

Intuit Payment Solutions - Intuit currently does not charge for non compliance. However, merchants must comply with the applicable standards. A merchant that has his or her security compromised and is found to be non-compliant is subject to fines from the card associations as well as other financial and business losses, such as brand damage, and loss of customer trust.

Optimal Payments - A monthly non-compliance fee of $25.00 will be billed effective 90 days from your account activation and Optimal Payments will continue to charge this fee monthly until the PCI DSS validation process is completed.

CardConnect - A monthly non-compliance fee of $19.95 will be billed and CardConnect will continue to charge this fee monthly until the PCI DSS validation process is completed. You must complete the entire PCI DSS process before the end of the month to avoid the monthly non-compliance fee.

Pivotal - You will be charged a month non compliance fee of $19.99.

Yes all new merchants, regardless of who their processor is, have to get PCI compliant within 90 days of their new merchant account approval.

Only some of our processors require PCI compliance on the mobile merchant accounts. Please see the below:

Paysafe - You will need to follow the same procedures above as a regular Paysafe merchant to get PCI compliant. You will complete the SAQ and run a scan using the IP address on your phone or tablet. The annual PCI Compliance fee and the PCI non-cCompliance fee will be the same as mentioned above for Paysafe merchants

Paya - Mobile merchants are not required to go through the PCI compliance process at this time. SAQ or scan is not required to be completed and the annual PCI Compliance fee or the PCI non-Compliance fee will not be charged.

Intuit Payment Solutions - Mobile merchants are not required to go through the PCI compliance process at this time. SAQ or scan is not required to be completed and the annual PCI Compliance fee or the non PCI Compliance fee will not be charged currently.

CardConnect - You will need to follow the same procedures above as a regular CardConnect merchant to get PCI compliant. You will complete the SAQ and run a scan using the ip address on your phone or tablet. The annual PCI Compliance fee and the non PCI Compliance fee will be the same as mentioned above for CardConnect merchants.

Pivotal - You will need to complete the PCI checklist to avoid non-compliance fees, however the monthly fee is waived.

Paysafe. - You will have an option to link multiple merchant accounts to your scans and your self assessment questionnaires once you get your first account compliant provided all the additional accounts have the same Federal Tax Identification number and share the same processing procedures and security policy enabling them to get compliant in the assessment even if the additional merchant accounts are for different locations. However, the PCI DSS analysis cost and the non compliance fees explained in the above sections will be billed to each merchant account separately.

Paya - You will have an option to link multiple merchant accounts to your scans and your self assessment questionnaires once you get your first account compliant if all the additional accounts have the same Federal Tax Identification number and share the same processing procedures and security policy enabling them to get compliant in the assessment provided the additional merchant accounts are for the same location as the first merchant account. Only one PCI DSS analysis fee will apply to all accounts. However, the SPS Compliance fee and the non compliance fee explained in the above sections will be billed per merchant account.

Intuit Payment Solutions - You will need to follow the exact same procedures and pay the same fees as the first merchant account to get each additional merchant account compliant even if they all have the same Federal Tax Identification number.

Optimal Payments - You will have an option to link multiple merchant accounts to your scans and your self assessment questionnaires once you get your first account compliant if all the additional accounts have the same contact name and have the same email account on file even if the additional accounts are for different locations and use different hardware and software to process. Only one PCI DSS analysis fee will apply to all accounts.

CardConnect - You will have an option to link multiple merchant accounts to your scans and your self assessment questionnaires once you get your first account compliant provided all the additional accounts have the same Federal Tax Identification number and share the same processing procedures and security policy enabling them to get compliant in the assessment even if the additional merchant accounts are for different locations. However, the PCI DSS analysis cost and the non compliance fees explained in the above sections will be billed to each merchant account separately.

Pivotal -Multiple assessments will be done for multiple payments methods (online + terminal). Each account will be charged a month PCI fee.

We recommend using your processors PCI vendor, but if you choose not to you can select any PCI SSC Approved Scanning Vendor (ASV). We recommend and offer PCI Compliance analysis with Comodo.

Paysafe - No.

Paya -Yes, you will need to upload the PCI DSS AOC provided by your ASV to the Aperia site. A $10.00 processing fee applies for the manual validation process.

Intuit Payment Solutions - Yes, you will need to submit the PCI DSS AOC provided by your ASV to Intuit at imPayantrelations@intuit.com.

Optimal Payments - Yes, you will need to submit the PCI DSS certificate provided by your ASV to PCICompliance@OptimalPayments.com. Optimal Payments will then waive the PCI DSS validation service fee.

CardConnect - No, You will need to go thru Trustwave for PCI compliance. No other vendor’s certificates will be accepted.

Pivotal - No, you need to call in and get certified through Aperia.

NOTE: If a quarterly scan is required, you must run the scan (either manual or scheduled) every 90 days and forward results to the processor in order to stay in PCI compliant status and avoid the non-compliance fee.

If you initiated PCI DSS analysis through the PCI vendor your processor has selected and successfully passed, your processor will be notified that you are PCI Compliant and no further action is needed on your part.

NOTE: If a quarterly scan is required, you must run the scan (either manual or scheduled) every 90 days in order to stay in PCI compliant status and avoid the non-compliance fee.

Contact your on site technical staff or your IT, web development, hosting or other technical providers for help remediating any issues with your PCI vendor. If they are unable to help, contact your processor at the number below. Finally, if you still need help, contact our office to find out if our technical support team can assist with remediation or recommend alternative solutions.

Even though your processing software or equipment is compliant, it does not mean you as a merchant are PCI Compliant. You will still need to proceed with a PCI vendor to ensure all of your systems are processing and/or storing data correctly and have no vulnerabilities.

Click on the appropriate links below for complete lists of PCI validated payment gateways, equipment and software -
Validated Payment Applications Includes payment gateways, POS software and payment applications

Please contact your processor at the phone numbers below with any questions regarding PCI Compliance.
Paysafe Merchant Services – PCI Compliance help line 1.888.277.0998
Paya Merchant Services – Aperia 1.888.329.3171
Intuit Payment Solutions - Control Scan 1.800.771.8603
Optimal Payments Merchant Services – Security Metrics 1.877.705.6069
CardConnect - SecureTrust- 1.800.363.1621
Pivotal - Pivotal PCI care - 1.877.772.3346

Typically setup is quick and easy. The merchant or webmaster simply establishes a link between the Gateway secure server and the merchant's website. Examples of the linking HTML code can be found in the Integration guides. Many applications have already Integrated our Secure Payment Gateways.

The transaction forms can be configured from within the virtual terminal. For additional help or information, please e-mail us.

Our service needs to be compatible with the merchants shopping cart software. Most Payment gateways can integrate with several shopping cart programs; however some companies "Lock Out" competing payment services such as QuickCommerce. Contact our Customer Service team for compatibility of shopping carts or click here to see a partial list of integrated carts.

Credit card transactions can fit into one of three different categories: Level 1, Level 2 or Level 3 processing. With each level of processing, there is a certain amount of data and requirements needed for verification and authorization. This data can range from very limited to very detailed, depending on the type of customers or clients your business serves. The more data fields required, the lower the processing rates.

Level 1 credit card processing refers to business-to-consumer (B2C) transactions, during which consumers use their personal credit cards to make purchases both large and small. The data required for a Level 1 transaction to go through is small, with just the merchant name, transaction amount and date needed.

Level 2 credit card processing refers to a more detailed transaction designed to support business-to-business (B2B) payment processing. Business or government clientele require business-specific payment methods, with the ability to monitor and control corporate and employee spending. Level 2 credit card processing simplifies the B2B transaction, improving customer service for your business clientele and providing them with more accurate transaction reports.

The data required for a Level 2 transaction includes:
Merchant name
Transaction amount
Date
Tax amount
Customer code
Merchant postal code
Tax identification
Merchant minority code
Merchant state code

Level 3 credit card processing requires the most detailed data, and the transactions are often made with government or corporate purchasing cards. Government agencies and businesses use purchasing cards for enhanced reporting and more control over employee purchases. The data fields required for Level 3 processing includes those from Level 2 transactions, in addition to a number of others such as item product codes, item descriptions and quantities, item tax rate, ship from postal code, freight amount, duty amount, destination postal code, destination country code, and more.

Check Services are payment services that allow online and traditional merchants to accept and process checks from consumer and corporate bank accounts safely and securely.

By accepting checks you can increase your credibility, customer convenience, and best of all, your sales. Statistics say 40% of the population is totally check dependent!

This is determined by the type of service you sign up for. You could accept personal, Business, Government, Traveler’s, Cashier’s, Certified, Equity Lines of Credit checks and Money Orders. Or even cash Corporate Payroll checks.

Checks are automatically deposited in your bank account electronically within 2-3 business days. You will not need to go to the bank.

Most check services are set up for auto settlement. Paya Services and CrossCheck merchants can request the time on auto settlement of batches be changed to their preference for certain types of services only. E-check.net merchants can set up auto settlement of batches by logging into their account online.

For Paya Services merchants, the batch settlement cut off time is 10:00 PM PST.

In most cases you can approve checks without purchasing any additional equipment. With a check service in place, you can accept checks on your existing POS terminal, Web-Based Virtual Terminal, over the phone and/or over the Internet. However, depending upon how you are set up and the type of check service you choose, you might need a check reader or an imager.

The fees are usually lower than credit card processing fees and are dependent on various factors like the monthly volume, type of business etc. You can go through the application or call a sales consultant to find out the exact fees.

Yes, depending upon the service provider you are set up with, there could be monthly fees and monthly minimums billed to your account.

For Paya Services merchants, the monthly fees will be waived for the first month if you are set up after the 25th of the month. For Crosscheck merchants, and E-check.net merchants, the monthly fee will be prorated for the first month.

There is no annual fee for CrossCheck and E-check.net merchants. Paya Services merchants will be charged the annual fee on their December statement every year, in some cases we can provide special pricing to get that waived based on volume of the account. Inquire with a sales associate for more detail.

Paya Services merchants are charged an annual fee of $59.95. None of the other check service providers charge the annual fee at this time.

Commerce Technologies also offers products and services from other check service providers like Paya Services, E-Check.net and Crosscheck and the statements may have their name on them.

Simply, link to our online application and submit the requested information. You may also email or call us at 1-800-477-5363 for further assistance on setup, or other processing related questions.

Within a few working days your company will be able to accept credit cards from your customers. Our processing department specializes in expediting your application so you can start accepting checks from your customers as soon as possible.

Business Funding provides small to medium size business owners with access to the needed capital such as Merchant Cash Advance, Business Loans, and Line of Credit. The company providing the funds advances the cash by purchasing a pre-determined amount of the business sales volume sold through credit/debit card sales.

Approval is usually obtained as fast as 24 hours once the required documents are sent to underwriting. Funding usually takes 6-10 days, from the date an application is submitted.

The criteria to determine the total cash advance amount depends on a number of factors including the type of business, monthly credit/debit cards sales volume, the funding company etc. See the below general qualifying amounts with our Cash Advance Companies:

RapidFinance: $300,000 up to 2 million per location.

Processing volume is not the only factor determining the cash advance amount. However, each funding company has a set qualifying amount based on the processing. See below for details:

RapidFinance: 200% of the monthly processing volume.

The amount of receipts purchased is determined by the average credit card volume processed over a 180 day period. Submission of any documentation (bank statements, sales tax receipts) that supports total sales volume is encouraged in order to be approved for the highest amount possible. Approval for the largest amount possible will be based upon the documentation provided.

Yes, but this information won’t carry as much weight as it does in traditional financing scenarios. With a Merchant Cash Advance, having a damaged personal credit history is not an automatic disqualifier. Many businesses that have trouble with banks and other similar traditional financial institutions can qualify and enjoy continuing success with a Merchant Cash Advance

There is typically no set time limit, however, loans take from three up to sixty months, this may have an effect on future cash advance funding approvals or may lower the amount of approved for future funding. MCA PAyments are based on the business recievables so there is no fixed payment term. LOC Amortization from 3-18 months (the term may reset every time you draw capital)

We currently work with RapidFinance. Here are the requirements to qualify:

Split funding is the normal cash advance payback structure where a small portion of your batch amount is transferred to the cash advance company directly from the processor bank. This is only offered for merchants processing with those processors listed below.

Lockbox is offered by RapidFinance for merchants that do not process with the below processors. With this program, the entire batch amount is transferred to the lockbox and you receive your funds from the lockbox after the cash advance company gets their portion of the batch amount.

There is also ACH offered by all 3 funding providers where a fixed amount is withdrawn from your account everyday towards repayment of your cash advance regardless of the amount you processed. This payback structure is usually used for Loan programs.

One of the above mentioned automated processes is designed to collect a small percentage of each MasterCard and Visa credit card transaction through your bank. You keep all cash, checks, and all nonbank card volume.

The percentage is collected based solely on credit card sales. Usually if there are no credit card sales that month, no fees are collected. In this case, the funding vendor will contact the merchant to check and see why credit card sales have been slow. If business is consistently slow and merchant falls below a set threshold, the funding vendor will contact merchant and begin an investigation.

Merchants who are qualified for an initial funding are typically eligible for a second funding which is called as re-up based on the below criteria:

For RapidFinance: Renewal eligibility is 60% paid off of existing advance.

With RapidFinance, the remaining balance of the previous cash advance is deducted from the total amount of the re-up or second cash advance.

See above table. Fee is based upon: underwriting guidelines, length of time in business, length of lease, monthly credit card volume, average monthly sales volume and past business history.

There are no processing fees with RapidFinance.

No, the fees stay fixed until repayment has been completed.

This may be necessary depending on the funding source.

Yes, current processing rates are typically matched and at times lower.

You'll need Internet access so Intuit Payroll Services can download the latest payroll tax rates for your automatic paycheck calculations.
Also, the federal government requires every person or company paying wages to have an Employer Identification Number (EIN). Employers must include it on all federal forms and returns. You can apply for an EIN and get it immediately at the IRS Web site at https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online
You can no longer purchase Intuit QuickBooks Assisted or Intuit Enhanced Payroll separately, they only come with QuickBooks Enterprise Gold, Platinum or Diamond. If you choose to buy QuickBooks Online Payroll separately, you need to use QuickBooks Online.

Yes. But, if you've already paid employees this year, you'll need to enter your year-to-date payroll history, so our calculations are correct. Our step-by step guide can help you.
If you're paying employees for the first time this year, there's no payroll history to enter. So, it’s easy to get started.

Yes.

Intuit Payroll Service handles all of these, plus other many other wage types.

Yes. You can pay both employees and independent contractors only with Enhanced Payroll.

Just enter employees' hours, and Intuit Payroll Service will calculate paychecks, subtracting payroll taxes and deductions. Then print paychecks instantly or use our convenient Direct Deposit. You can also pay groups of employees on different days. For example, you may pay salaried employees monthly, while paying hourly employees every two weeks.

You can deposit pay into U.S. bank accounts with Intuit's Direct Deposit. You can also deposit pay to Intuit Pay Cards (ATM/debit cards that don't require bank accounts). With our flexible Direct Deposit, you can add or remove an employee, or edit their banking information, anytime. You can also choose to pay some employees by direct deposit and others by check. You must send Direct Deposit transactions to us by 5pm (Pacific Time) two business banking days before the paycheck date. You can deposit paychecks into up to two different accounts per employee. By using Direct Deposit, you no longer need to print pay stubs, since employees can view their paystubs online.

Intuit Payroll Service tracks vacation time, sick time, paid time off, medical and dental insurance, 401(k) and other retirement plans, cash advances, and more. You can choose different deductions for different employees.

Only Assisted and Enhanced Payroll help you apply the right workers' compensation codes, so you can generate detailed reports of exactly how much you owe. You can also use our pay-as-you-go workers' compensation service to automatically pay exactly what you owe each pay day. (Extra fees apply.)

• Intuit QuickBooks Assisted Payroll
• Intuit handles your payroll tax payments and forms for you. Guaranteed accurate and on-time. If a tax issue comes up, Intuit will resolve it for you.
• Enhanced: (Comes only with QuickBooks Enterprise 2021 Gold and Platinum)
• Federal and state payroll taxes are calculated for you. Just click to e-pay your taxes.
• Automatically fills in the latest federal and most state payroll tax forms. Then just click to e-file.
• Full Service:
• Intuit handles your payroll tax payments and forms for you. Guaranteed accurate and on-time. If a tax issue comes up, Intuit will resolve it for you.

Intuit Payroll service completes these federal payroll tax forms for you: W-2, W-3, 940/Schedule A, 941/Schedule B, 944/945a, 943/943a, 1099-MISC and 1096.
Enhanced Payroll includes many state forms. For state forms not yet supported, we provide a State Tax Summary report with all the payroll data you need.

On paydays, all online transactions are protected using the same kind of encryption used by leading banks.

You can e-mail reports and your company files to your accountant. You can also grant them the access to your payroll service account.

If after consulting our technical manual you still require additional support, we ask that you email us detailing the question at hand (please include with question your business name, phone number, and contact name). Our technical service advisor will research the question and get back to you. We offer two support options - for details click here.

We offer your business multiple options for processing credit card and check orders: Click here to see our product list. We have the software or terminal(s) your business will require at competitive lease and purchase prices.

Most equipment has a 1 year manufactures warrant which will cover product defects and other standard warranty coverage.

At Commerce Technologies we offer an equipment and software replacement policy as long as you have services with us for any equipment you purchased from us or others. We will replace it within 24 hours until we can get yours repaired. All shipping and repair costs must be agreed to and paid up front by the customer.