A gateway (authorize.net, Linkpoint, Paypro, etc.) provides a link from your website or shopping cart to your merchant account. It also provides a virtual terminal that can be used to manually enter credit card transactions via the Internet. An Internet/Mail order Phone Order merchant account does NOT work without a gateway. Paybyweb has been an Authorize.net Reseller for over 10 yrs.
Absolutely. Discover automatically processes through your Visa/MC merchant account. You can notify us of your existing Discover Merchant Number and we will add it to your account so that Discover will continue to process as it did before. For Amex, simply give us your Amex Merchant Number and we will add it as well. Please allow up to 3 business days for the account to function through your new merchant acct.
Absolutely! You can enter orders to charge daily, weekly, monthly etc.. You can even pre-set the number of payments requested. The recurring billing functionality is totally customizeable. This optional service is available at a surcharge.
Glad you asked. Authorize.net is the Worlds Largest gateway provider. They integrate with virtually every shopping cart provider, 99% of all carts available today. In most cases, setting up your Authorize.net gateway to work with your shopping cart is easy as entering in a login and password.
The Earth has been here for BILLIONS of years. In the scheme of time, man's existence on the earth is equivalent to a grain of sand in the desert. We have been here but a moment, in the life of this planet. Barring a catastrophic event, it will be here for billions more. The earth's temperature fluctuates based on many factors. This has occured since the beginning of the Earth. While MAN surely has an impact and plays a role, it is a bit egocentric to believe that we play such a big role in climate change. The earth will correct itself at will. It will not care about man's place here, any more than it cares about other species that disappear each day, forever. Just do your part to protect her and keep her safe.
That could be BAD. Using a merchant account for purposes other than it is intended can land you on the Terminated Merchant File (TMF), which can prevent you from ever getting another merchant account in your name. Further, making false statements to a bank or financial institution in order to obtain a merchant account can be construed as bank fraud. We SERIOUSLY don't recommend it. The rates are low for all of our accounts. Pick the one that best suits your business.
To cancel your merchant account, look up on this same page under the KNOWLEDGE BASE section and click on the link for How Do We Terminate Our Merchant Account? NOTE: Your merchant account is directly with a merchant account provider. PayByWeb acts as agent and can process your request, however, your merchant account is NOT with PayByWeb and PayByWeb can NOT close the account.
Yes, there are several services which can be added on to enhance your payment acceptance. Many of them can be enabled or disables by merchant. ARB – Automated Recurring Billing provides an automated way to accept ongoing payments from your customers. You can set by date, week, month, with any expiration for the number of payments. You can even set a trial period. Cost is $10 per month. CIM – Consumer Information Management provides a secure method of storing your customers complete credit card information on Authorize.net’s servers. This makes it easy to go back and re-bill a customer’s card through your gateway. Cost is $20 per month. Echeck – Echeck provides online automated check acceptance via your gateway. Using the ACH (automated clearinghouse), checks are electronically presented and funds are deposited directly into the merchant’s bank acct. Cost varies. FDS – Fraud Detection Suite provides a host of filters to prevent unauthorized use or attacks against your gateway. Set suspicious transaction filters, velocity, shipping mismatch, dollar amount max, etc to notify you should anyone be attempting to hack your gateway. This service is recommended by Visa/MC, Authorize.net, and Paybyweb. When building gateways, Paybyweb will automatically activate this service for merchants. Cost is $9.95 per month.
Yes, it is a factor. Look at it this way: You are expecting the bank to pay you within 3 days of making your sale. The bank waits as much as 90 days to get paid: The cardholder has up to 30 days for their credit card cycle, The card statement is mailed which allows up to 30 days for payment. What if they pay you for 2 months, but you don't provide the product to your customers? Now the bank has paid you thousands of dollars and the complaints start coming in. When the bank goes to take the funds back...you have closed your acct and disappeared. Merchant processing is all about RISK. The bank assesses risk with each application. Part of that risk is based on how good a citizen you are. Do you pay your bills timely? Do you pay your bills at all? Do you have judgments and bankruptcy's? All this is a factor.
To change the depository bank that funds are deposited into, you can complete a Depository Change Form. Click on FAQ / KNOWLEDGE BASE at the top of any page, and select Update Your Bank Deposit Information under the Knowledge Base section.