Who Are You, What Do You Do, and How Can You
Help Me?
Who we are: e-onlinedata processes
credit card transactions for virtually every size and type of business.
We are not a "bank" but rather a merchant "processor". We are a Registered
ISO of HSBC, ranked by Forbes magazine as the 7th largest
company in the world. Global Payments, our "settlement"
network, currently process over 2.7 billion transactions per year and
serves more than one million merchant locations.
What we do: Many merchants come to us because
they realize that they must accept credit card payments
in order to start a viable business, maintain a healthy
bottom line, or to increase sales. Others have found
their current processors to be expensive in terms
of money or down-time and turned to our cost-effective,
reliable transaction solutions. We specialize in processing
solutions for non-traditional businesses, perhaps
because we are non-traditional ourselves in our quest
for the most technologically advanced payment technology.
Our advantages to you: The e-onlinedata
team brings you: (1) Quick, effective, reliable credit
card transaction solutions best suited to your
business (2) Non "commissioned" sale professionals
whose focus is to help you get your merchant account
approved and up and running efficiently (3) Cost-effective,
affordable rates and flexible payment options.
Our distinction: We are forward thinkers, scouring
the globe for new technology that will make fast,
accurate transaction processing even better. We are
extremely customer-focused and dedicated to providing
exceptional customer support without exception. Our
goal is to become unequalled in rapid merchant growth,
responsive customer support, and reliable electronic
transaction processing. In other words, we take a
"We must be the best" approach to implementing technological
developments, enhancing our reputation for trustworthiness
and reliability, and giving superior customer service.
Services and products we offer to merchants:
We offer all-encompassing, customized payment processing
solutions for Internet,
MOTO, Auction, and Retail
businesses of all sizes. Our solutions include: (1)
Turn-key Internet payment gateways and virtual terminals
(2) Fraud detection services (3) Call center and shopping
cart solution support and (4) Services for recurring
payments (5) Retails terminals at wholesale prices.
How Private and How Secure Are You?
e-onlinedata is committed to protecting your privacy:
We know the information we collect is very confidential; that is why
we keep it strictly private. Transactions are secure, and passwords
are required to access the system. Only specific
e-onlinedata
employees are permitted to access electronic data. To find out about
how we protect your privacy, please see our
Privacy
Policy.
How Do I Obtain a Merchant Account?
How to obtain an eCommerce, Mail Order or Auction Merchant Account:
We will provide you with a processing solution that
is compatible with hundreds of shopping carts and
store builders.
Click
here to apply.
How to obtain a Retail Merchant Account:
If you want to process transactions for
your retail store or mobile business,
please
click here.
Prices of our services: Our prices are the
most affordable in the industry. Each price is based
upon your custom needs according to your industry,
payment acceptance methods, accepted card types, and
other factors.
Setting up a merchant account does not take long:
As soon as you complete our secure
Online
Application,you will receive your Merchant ID
Number (MID) INSTANTLY. In as little as 24 to 48 hours
after we receive your signed
Congratulations
pages and
voided check,
your account can be approved and set up. For certain
types of businesses considered
High
Risk, and for applications containing errors,
the process may take longer.
Merchant accounts will have approved processing
limits: We approve merchant accounts based on
the projected monthly Visa/MasterCard dollar volume
merchants request on the application, type of business,
personal credit of the business owner and other factors.
e-onlinedata monitors account
activity and reserves the right to review the account
if volume exceeds the approved processing limits.
Review of merchants' credit information: When
a credit card transaction takes place, the cardholder
is debited and you are credited for the amount. However,
the cardholder can dispute the charges for up to 180
days after the transaction occurs. When the cardholder
initiates a chargeback, the transaction amount is
automatically taken from your account and credited
to the cardholder by their issuing bank. Therefore,
we need to ensure that each merchant applying for
an account is in good financial health, has a viable
business, and operates with good faith so that they
and their cardholders can resolve any disputes that
might arise.
Merchants' liability for disputed transactions:
Mastercard
® and Visa
®
Card Association rules decide liability in case of
disputes. The merchant is liable for disputed charges
if the credit card is not present during the transaction.
However, disputes of this kind might be reversed,
depending on the circumstances.
How you receive payment for submitted transactions:
To receive funds from your MasterCard and Visa transactions
into your Personal or Business checking account, we
use the ACH system (Automated Clearing House). However,
American Express and Discover will remit funds directly
to your checking account if you have service agreements
with them.
If you are switching from another payment processor
to e-onlinedata: Please do not close
your current merchant account until your account with
us is set up to process. When you are ready to process
with
e-onlinedata, then
close the account with your former processor.
What Gateways and Software Can I Use?
e-onlinedata solutions for processing transactions:
We have many ways of processing your transactions,
no matter what your circumstances. We have solutions
for PC as well as Internet transactions. Please see
our
Processing
Solutions.
What Training and Support Do You Offer?
Our training is designed to suit each merchant's needs:
We gladly provide telephone and email training not only when
you first start using
e-onlinedata
services but later on as well. We will also keep you updated
on industry regulatory changes. Please see our
eCommerce
Best Practices including examples of refund, cancellation
& warranty policies.
Our technical support hours: Contact info and tech
support hours are listed in the
Customer Support
section.
How Is Information Processed?
You can see transaction information right away:
Obtain up-to-date transaction information via reporting
tools such as Authorize.Net's merchant interface.
Interchange fees: We pay credit card "Issuers"
Visa/MasterCard interchange fees for being
allowed to process their cards. MasterCard and Visa
base interchange fees upon the industry and
the transaction method.
Merchants can accept multiple credit cards: e-onlinedata
supports Mastercard, Visa, Discover, Diners Club/Carte
Blanche, American Express, and JCB. We actually process
payments for our merchants for their MasterCard and
Visa transactions. When a transaction is processed,
the transaction is authorized, the data is captured,
and the funds are settled into the merchant's checking
account at their local bank.
Commercial cards: These are corporate, purchasing,
and business cards which MasterCard and Visa provides
to certain card issuers. Businesses can use them as
an alternative to purchase orders, using them to buy
items such as office supplies and T&E. Commercial
card holders receive the benefit of itemized records
of purchases. This facilitates tracking expenses and
getting reimbursed for expenses.
Private label cards: They are issued by certain
merchant organizations as an incentive for merchants
to purchase from their members. The cards carry the
organization's name along with the issuer's insignia.
Card holders are awarded for using the cards, receiving
discounts, deferred payment, usage points and so on.
How Do I Apply Online?
To get started you must be the principal owner of
the business and have the following information:
- Business located within the United States of
America
- US Federal Tax ID# (For Corporations)
- U.S. Social Security Number of the principal
signer
- U.S. checking account and routing numbers (see
"voided check" details below)
- You must be 18 or older to be eligible to apply
for an Internet Certified merchant account
The Online Application Process:
- Please Complete and Submit the Online Application
to establish your VISA/MasterCard Merchant Account
INSTANTLY!
- After completing the Online Application, you
will be presented your Congratulations pages with
your Schedule of Fees and Merchant ID Number (MID)
with instructions on how to proceed.
- DOCUMENTS:
- Please: 1) Print 2) Sign (twice) and 3)
Fax your Congratulations
page and a Voided Check to
us immediately.
- If you currently have a
Merchant Account, in order to EXPEDITE your
approval by our Underwriting Department, please
fax your previous two months complete Visa/MC
Statements to us, along with your signed Congratulations
pages and Voided Check.
- PLEASE FAX ALL DOCUMENTS
TO:
FAX#
877.292.3405
- VOIDED CHECK:
- If you have TEMPORARY BUSINESS
OR PERSONAL CHECKS (because you have
not yet received your Pre-Printed checks)
please have your bank write a BANK
LETTER stating your business name
(DBA), Account Number and Transit Routing
Number, and fax that to us (do not fax your
temporary check for security reasons).
- APPROVAL:
- For PAYMENT GATEWAY INTEGRATION
and TESTING, we
will send your Login ID and Password by email
as soon your merchant account has completed
the Underwriting process. However, if you
process transactions funds will not be released
until your merchant account receives Final
Approval.
- Your merchant account will receive FINAL-APPROVAL
as soon as we receive all required documentation
and your WEB SITE is active and able to accept
credit cards. If you are a Mail Order
or Auction business planning to use
the Virtual Terminal to process credit cards,
you must include this information in the Additional
Comments section of the Online Application.
- If you are a RETAIL merchant
and have selected to purchase either a retail
credit card Terminal or Mobile Wireless solution
to swipe your customer’s cards face
to face, your equipment will be programmed
and shipped to you upon approval. You will
then receive a call from our Terminal Deployment
team for training.
The application approval process: All submitted
applications are electronically reviewed and may
be approved automatically. If so, you will receive
an Approval email from our Underwriting Department
and you can start to use our system within 24 to
48 hours. If further review is required by our Underwriting
Department, we will contact you via email if additional
information is required.
Once your application is approved:
When your application has been approved, we will
email you to confirm it. We will then email you
your Login ID and Temporary Password and instructions
when using Authorize.Net or another payment gateway.
Your application information is secure:
Your information is safe with us. It is held in
a secure environment and encrypted for safety.
Application review: Your application
will be reviewed by our Underwriting Department.
Be assured that they will keep your information
confidential.
Submitting the application: If
you are experiencing difficulty in completing your
application or sending it online, please contact
us at 1-877-685-6271 or ecommerce@e-onlinedata.com.
We will be happy to assist you promptly.
What Will a Payment Gateway Do for Me?
Definition of Gateway: A third-party service
such as Authorize.Net that securely transmits eCommerce
transactions to a payment processor for authorization.
Why your business needs a Payment Gateway:
Payment Gateways benefit eCommerce businesses in many
ways. Gateways allow businesses to expand their potential
by reaching new customers. Your sales will likely
increase as a result of offering customers an easy,
secure means of buying online. Also doing business
online can be cheaper and more convenient than using
a frame relay, dial-up, or leased line connection.
In addition, Gateways allow you to review batches
and exceptions as well as access your transactions
any time you like.
Typical Payment Gateway Online Reporting:
- Search features – Allows
you to define a set of criteria with which to
perform an advanced search through all existing
transactions. This information can be downloaded
to your computer for future reference. You can
also use this feature to import data into third-party
systems.
- Settlement Date – View
ALL Settled transactions or click the From: and
To: drop-down boxes to view Unsettled transactions
or choose a range of settlement dates in which
to search.
- Payment Method – Click
the drop-down box and choose the payment method:
ALL (default), Visa, MasterCard, American Express,
Discover, JCB, Diners Club or eCheck.
- Credit Card Number –
Enter a full credit card number or use a wildcard
(ex., *5555).
- Bank Account Number –
Enter a full bank account number or use a wildcard
(ex., 5555).
- Customer Name – Enter
the customer's first name and/or last name.
- Customer ID – Enter the
customer's ID number.
- Transaction Status –
Click the drop-down box to search for transactions
with a particular status:
- ALL (default)
- Authorized/Pending Capture
- Captured/Pending Settlement
- Could Not Void
- Credit/Pending Settlement
- Credited
- Declined
- Expired
- Pending Final Settlement
- Review Failed
- Settled Successfully
- Under Review
- Voided
- Transaction ID – Enter
a specific transaction ID number.
- Transaction Invoice Number
– Enter a specific invoice number.
Operating a business can take up much of your days
and nights. Therefore, we enable you to access important
transaction information when it is convenient for
you, the Merchant Interface and Virtual Terminal
24 hours per day, 7 days per week.
The Virtual Terminal is for "key entered"
or "card not present" transactions:
It does not support "card swipe" transactions.
It does support authorization, authorization and
capture, refunds, and voids. Extended order data
can be entered for reconciliation and tracking.
Transactions can be processed from many
locations: Transactions can be processed
from Web sites, mail-order departments, and call
centers--any "card not present" channel.
Simply integrate your order processing with our
APIs and specifications.
What Will a Virtual Terminal Do for Me?
Definition of Virtual Terminal: The Virtual
Terminal is a major feature of your Authorize.Net
and Plug'n Pay gateway system. The Virtual Terminal
processes much like a physical terminal, since it
is a REAL TIME point-of-sale terminal on which transactions
can be
keyed entered. It has a broad array
of features and requires only a computer with an Internet
connection and web browser.
A
Virtual Terminal has many features: No extra
phone lines or unnecessary hardware is required; only
an Internet connection and web browser are needed.
It includes: (1) "Key enter" processing functions
for credit card transactions, authorization, refunds/credit
returns, voids, etc. (2) Payment management functions,
such as retrieve, review, and settle batches, settle
marked transactions. (3) The option of either settling
batch transactions automatically at day's end - or
- using the Virtual Terminal to manage the settlement
process manually whenever it is convenient for you.
(4) Simple order research and retrieve facility (5)
Secure log-in.
The
Virtual Terminal has fraud detection and other
benefits: All our payment gateway systems support
AVS (Address Verification System) and Card Verification
Value (CVV) services:
- AVS - Enter a customer's billing address, and
the system will compare it to the address the
card issuer has on file. Therefore, if someone
is trying to use a stolen card to buy and ship
items to a false address, this illegal activity
will be detected before it occurs.
- CVV - This is the Visa/MasterCard process involving
a 3-digit number printed on the card near the
signature. It also is used for authorizing credit
cards when the card is absent during the transaction.
A Virtual Terminal can have multiple users with
separate log-ins: Merchants who have the Plug
'n Pay system can also have many log-ins with restricted
access. For example, the merchant can act as the administrator
and can allow one user to authorize only and another
user to authorize and capture, as well as issue a
refund.
A Virtual Terminal can be used almost anywhere:
It can be used at trade shows or anywhere an Internet
connection and web browser are present to access the
Virtual Terminal.
Some merchants use the
Virtual Terminal only to
authorize transactions: Some "card not present"
merchants can authorize items with the Virtual Terminal
and settle them using another processing interface.
They should note that when settling, merchants must
still include the original authorization code, date,
order number, merchant ID, card number, and date from
the Virtual Terminal.
Some merchants use the
Virtual Terminal only to
settle transactions: In addition, merchants can
obtain a Voice Authorization over the phone and capture
the transaction for settlement using the Virtual Terminal.
A Virtual Terminal can store transaction history
for six months: Search items by a variety of means,
such as card account number, order number, and date
range. You can search either by transaction or batch
level.
Customer Support staff are here to assist you:
The support center is available during business hours.
When the account is being set up, you will be given
a toll-free number and e-mail address for contacting
us with questions. Or you can see our
Customer
Support section.
What is a "Qualified" or "Non-Qualified"
Transaction?
Certain conditions must be met for an Internet transaction
to Qualify for the 2.29% (or applicable) discount
rate. If a transaction doesn't Qualify, it becomes
a Non-Qualified transaction and the discount rate
will increase (please check your Schedule of
Fees). Due to increased RISK, Visa/MasterCard increases
the COST to merchants for Non-Qualified transactions.
Here are Visa/MasterCard's rules for Internet transactions:
* QUALIFIED TRANSACTION CONDITIONS FOR INTERNET ACCOUNTS
- The transaction must be electronically captured
no later than 24 hours from authorization.
- The authorization code must be included in settled
transaction (this is done automatically by the
system when using a Payment Gateway such as Authorize.Net
to "authorize" the card).
- The authorization request message must include
matching Address Verification
Service data (AVS) data such
as Zip Code and/or Street Address.
- The transaction/shipping date must be within
7 calendar days of the authorization
date.
- The authorized transaction amount must match
the settled transaction amount.
- The settled transaction data must include the
merchant's customer service telephone number,
the order or invoice number, and the total authorized
amount.
- Additional data is required in the settled transaction
on all Purchasing and Commercial cards at non-T&E
locations (Purchasing card - customer code and
sales tax; Commercial card - sales tax)
** NON-QUALIFIED (NQ) TRANSACTION CONDITIONS FOR INTERNET
ACCOUNTS
- One or more of the Qualified conditions were
not met. (OR)
- The transaction was electronically settled more
than 24 hours from the authorization
date. (OR)
- Commercial card, World MasterCard, or Visa Signature
card accepted at a T&E location. (OR)
- No additional data in the settled transaction
on Purchasing and Commercial card at non-T&E
locations. (Purchasing Card - customer code and
sales tax; Commercial Card - sales tax). (OR)
- Visa Infinite card accepted. (OR)
- Transaction was not electronically authorized
(voice authorization) or the
authorization code was not included in the settled
transaction.
- The customer is using a Corporate or
Government-issued credit card.
- The customer is using a credit card issued by
a Foreign Bank.
How does Authorize.Net integrate to online
Shopping Carts?
Authorize.Net offers two methods of direct integration
to their Payment Gateway: Advanced Integration Method
(
AIM) and Simple Integration Method
(
SIM). Authorize.Net offers toll
free tech support at 877.447.3938 and is
"pre-integrated"
to most available shopping cart software.
For detailed information about Authorize.Net including
both SIM and AIM Integration Guides, and a comprehensive
list of "certified and compatible" pre-integrated
shopping carts, please
click
here.
What is a Chargeback and How do I Protect
Against Them?
Customer
disputes
and
chargebacks
are very costly to eCommerce merchants in terms of
both time and money. Disputes are time consuming to
resolve, and when left unresolved... turn into expensive
chargebacks! There are two primary causes for cardholder
disputes:
- Customer expectation not met due to misinterpretation
of products or services.
- Refund/Exchange/Warranty/Cancellation policies
missing, unclear or unreasonable.
Both can be
effectively
addressed with clear and specific Product/Services
info and clear Policies and Procedures. It is important
to keep in mind that as a Visa/MC merchant you have
agreed to abide by Visa/MC's regulations. To that
end, you sometimes have to throw "common sense" out
the window when creating "policies" and marketing
your products or services.
Visa/MC will allow any cardholder to chargeback a
purchase if the customer can demonstrate to ANY degree
that they have not received the products or services
promised by your company in the
quantity,
quality & time frame promised. In
other words, if your company promises product or services
delivery on Tuesday, but the product or service is
not delivered until Wednesday (a day late), that cardholder
can probably charge that sale back with little you
can do about it.
Likewise, if the quantity or quality of products or
services delivered are not
exactly as
described on your Web site or in other
marketing materials, the cardholder will be allowed
to chargeback the purchase. It is not always fair,
but if anything is left unclear, it almost always
falls to the favor of the cardholder. For your protection
and success, we strongly encourage you to spell everything
out clearly and take nothing for granted, even the
obvious.
Merchants accepting
"gift" credit cards may experience an Address Verification System (AVS) rejection based on a default filter setting for their
Authorize.Net Payment Gateway account. (AVS allows merchants to validate the customer's billing address before accepting a credit card transaction.)
However, for gift credit cards, the actual customer's billing address often will not be associated with the gift card, or will not exist on file at the
issuing bank. With the default payment gateway AVS settings in place, this may result in a rejected transaction. To allow for the smooth processing of gift credit cards during increased post holiday shopping, please take the following steps to turn off the appropriate default payment gateway setting:
1. Log into your Authorize.Net Merchant Interface
2. Click
Settings and Profile in the main menu
3. Click
Address Verification System (AVS) in the Security section
4. Click to deselect the checkbox labeled
Address information for cardholder is unavailable (U)
5. Click Submit
Your
AVS settings are now updated to allow the processing of gift credit card purchases with unavailable address information.
To reach
Authorize.Net Tech Support, call 877-447-3938 Ext 5.
For additional
Authorize.Net information please
click here.
