FAQ

What is a Gateway? 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. Top

What does the Gateway provide? Your Authorize.net gateway provides 24 hour access to a Virtual Terminal (manual order entry screen), detailed reporting, processing online checks, and more. Top

How long does it take to setup my Authorize.net Gateway? Hours. Yes, your Authorize.net gateway is generally setup within a few hours of completing the online application. Top

How long does it take before I see the funds deposited into my bank account? Funds are deposited daily, 2-3- business days after the batch closes. Top

How do I enter orders into the gateway? Orders can be entered via your website, manually via the virtual terminal, or batch uploaded. Top

I/we already have Amex and/or Discover accounts. Can we add them to a new merchant account and use Authorize.net's gateway? Absolutely, when you apply for a new merchant account, simply add your existing Amex/Discover Merchant ID number into your application. When your new account and gateway are set up, your existing Amex and Discover accounts will automatically be added. Top

What happens to my Authorize.net gateway if I change Merchant Account providers? Once you are setup with your Authorize.net gateway, you OWN it! It belongs to YOU! You can use it with any merchant account provider that you choose. Top

Is there a recurring billing option available? 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. Top

We have a shopping cart, will the gateway work? 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. Top

How difficult is integrating my Authorize.net gateway with my website? Web developers have found the website integration to be rather simple. Detailed Integration specs are available at any time by clicking HERE. Top

What credit cards can I accept? Visa, MasterCard, Amex, Discover, Diners, and JCB are all available. Top

What do I need to get started? A checking account located in the U.S. Be at least 18yrs old, and have a SSN or EIN. Top

Is this account for my High Risk Business? No. This merchant account is for non- adult, product/service based businesses. Top

How often do I receive funds from my merchant account? Funds are deposited DAILY, after 2 business days. We can even get you setup for next-day funding! Top

What Terminal will I be setup with? We will set you up with WAY Systems wireless terminal. It will arrive pre-configured and ready for immediate use. Top

How long has Paybyweb been in business? Paybyweb has been in business since 1992. Top

What is my total cost to get started? Zero! You pay nothing to get started. Top

What name will appear on my customer's credit card statement? Your business name! Whatever name you use on your application will appear on their statement. Top

Who will my merchant account be set up with? Paybyweb has relationships wiht several Merchant Service Providers. In most cases, your Merchant Service Provider will be PowerPay. Top

What happens if I apply for the Retail account but use it for my non retail business? 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. Top

What is my total cost to get started? ZERO! There is no fee for the merchant account. Top

How long will it take to get my account up and running? Your account can be up in as little as ONE day. This is based on your application being complete. Top

What Gateway will I be setup with? Once approved, we will email you notification. We will then build your Authorize.net gateway. Top

How long has Paybyweb been in business? Paybyweb has been in business since 1992. Top

Can I have a merchant account AND accept Paypal? Certainly. Top

Do most shopping carts support Paypal? Yes. Most shopping cart providers either provide an API or code in their systems so that their customers can accept Paypal. Top

How do I cancel my merchant account? Paybyweb offers different merchant accounts with different providers. Simply email us your request and we will provide you with the instructions. Be sure to include your name, business, name, and Merchant Service Provider with your request. Top

Are there any additional services offered through the Authorize.net Gateway? 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. Top

How do I contact Paybyweb? You can reach us several ways:
By Phone: (727)289-7009
By Fax: (866)231-4063
By email: info@paybyweb.com
IMPORTANT
When using Fax or Email, be sure to include your business name and phone number. Top

We did not originally request Amex when we applied. How do we add Amex to our account? To Add American Express (Amex) to your merchant acct, Click HERE Top

Why is Grass Green? A very good question. We're not sure but we think it has something to do with Chlorophyl. Top

How long does it take for funds to be deposited into my bank account.? That is up to your merchant service provider. Some providers offer 24hr funding while most deposit funds within 3-5 business days. Authorize.net does NOT deposit the money. They simply connect your merchant acct to a website AND provide a virtual terminal. Funding is done by your Merchant Service Provider. Top

Is my personal or business credit a factor in getting a merchant acct? 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. Top

Can I change my banking information (DDA)once my account is established? Complete a phone number update form found HERE Top

Does Authorize.net integrate with QuickBooks? Absolutely! You can view and save the Authorize.net QuickBooks Integration User Guide Top

Where can I find integration information for Authorize.net? You can find everything you need at Authorize.net's Developer Center. CLICK HERE Top

How do I change the telephone number that appears on my customer's bank statement? Complete a phone number update form found HERE Top