What is a charge back?
Charge backs occur when a credit cardholder informs the credit card company that the charge was not authorized, or that goods or services were not delivered as promised.

How often will I receive funds from Total Merchant Services?
Total Merchant Services will transfer funds from your merchant account to any checking account you designate on a daily basis.

What type of equipment do I need to accept credit cards?
If you have a retail storefront, restaurant, hotel, or service business you can use either a hard-wired or wireless point-of-sale (POS) credit card terminal or a personal computer equipped with credit card processing software. If you have an Internet business, or a telephone order or mail order business, you can use a virtual terminal. With a virtual terminal, you do not need to load any software onto your computer. Since this is Internet-Based software, you simply need access to the internet. Other options include using credit card processing software. This is software that you load onto your computer. Authorizations are obtained by dialing into the credit card processor with your computer modem. Or, you can hand enter (key in) data into a point of sales (POS) credit card terminal.

Why do I need a separate account for orders I accept over the phone, fax, mail or Internet?
Because you never take physical possession of a credit card so that you can swipe it through a magnetic strip reader, both Visa and MasterCard use different criteria for evaluating risk and have different fee structures for card-not-present transactions.

What is a payment gateway?
A payment gateway links your web site to the credit card processing companies and your merchant account. When your customer enters his or her credit card number on your web site, the payment gateway obtains authorization for the charge and later handles the transfer of funds into your merchant account. Total Merchant Services works with the industry's most widely used and reliable gateways including the Total Pay powered by Authorize.Net, Plug N Pay, and VeriSign Payment Systems.

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