What kind of
businesses do you accept?
We accept retail, Internet based, including online pharmacies,
trade shows, mail order, telephone order, and home based
businesses.
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What credit cards will I be able to
accept?
Initially, you will be able to accept MasterCard, Visa and bank
ATM debit cards. You will need to apply for American Express and
Discover at the same time. We will assist you with the application
process. There is no set up fee for American Express and Discover
Card.
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I am a new
merchant. How can Your Company Services help me to start growing?
Few businesses are able to prosper if they are not able to accept
credit cards from their customers. If you are opening a new
business we strongly suggest that you fill out an application so
that we can discuss with you the many ways that we can help your
business grow. We will provide you with the ability to accept
credit cards, whether you are opening an on-line business or a
physical store. We'll provide you with access to our customer
service line that will help you save time and money for your
business. Your Company Services is here to help you understand how
fast, easy and profitable it can be to accept credit cards.
Be aware of some processors out there who are offering merchant
services which may appear to be similar to that of Your Company.
They may charge you high application and discount fees, offer
leasing with no cancellation terms, or sign you up for services
that you just don't need. There are literally hundreds of web
sites out there selling you unnecessary services.
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I already have a merchant account.
Why should I consider changing my merchant account to Your
Company?
Your Company will be able to offer you the latest technological
advances in credit card processing whether it is done via desk top
computer or personal digital assistant. In addition, we will beat
any merchant processing rate that you currently have.
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What if I have less than
perfect credit?
Our approval rate is 95%, so even if you have bad credit
you have an excellent chance of being approved anyway.
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Do you offer a merchant gateway?
Yes, our Payment Gateway is VeriSign 128 bit Secure. After
successful authorization of an order, Your Company gives you total
control of the options that you can choose for the transaction.
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The options
available to you are:
• Pending
by default, the transaction is kept on 'Pending' mode, and
remains so for twelve days, to enable you use any other option. If
you fail to use any of the options, then the transaction is
automatically deleted from the entire system.
• Shipped/Order Executed
If you select the 'Shipped/Order Executed' option, only then is
the transaction is captured, your customer's credit card charged,
and your account credited.
• Cancel
If, for some unforeseen reasons, you are unable to fulfill your
customer's orders, you can utilize the 'Cancel' option and the
entire transaction is cancelled.
• Partial
Execution
Also, if you are able to execute the order partially only,
only your desired partial amount will be charged to your
customer's credit card and the balance will be cancelled. No
cancellation fee, with regards to the cancelled amount, will be
charged to you.
• Your Company
Variable Amount Interface
Ideal for merchants with a web storefront, The Your Company Web
Link uses a easy-to-use HTML form post interface for credit card
and net banking transaction authorization.
• Your Company Shopping Cart Interface
For merchants without web developing resources, the Your Company
Shopping cart allows the sub-merchant to integrate a shopping cart
directly into their website in a matter of a couple of hours.
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Do I need a
business license?
No, you do not necessarily need to have a business license or
trade name registration, but you do need to have a business that
has been duly incorporated according to local applicable law.
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What is the
discount rate?
Every bank charges a discount rate. The discount rate is the
percentage of each transaction that the processing company charges
to handle the transaction for you, Our discount rates are
exceptionally low for both retail (swiped) merchants and for mail
order/telephone order and Internet merchants.
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What is the Address Verification
System?
If you sell mail order/telephone order, or through the Internet,
you don't want to send a product to a false address and have a
risk of receiving a chargeback. The Address Verification System
(AVS) lets you enter the customer's home address and compares it
to the address on file with their credit card company. If someone
uses a stolen card, and wants products shipped to a false address,
AVS will detect this for you.
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Will I receive a statement?
Yes. You will receive a comprehensive merchant statement on a
monthly basis. It will list all your bank deposits, credits,
debits, and total sales volume. If you should have any questions
about your statement we encourage you to call us on our toll free
number at 1-800- 573-6268 and a customer
service representative will be more then happy to discuss it with
you.
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How will I get my
money?
Your money will be deposited directly into your current business
checking account. Funds are usually available within 2 business
days (sometimes slightly longer if your business is considered
high risk).
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How do I apply?
Just fill out the free, no obligation, online Merchant
Account Application. We will contact you within 24 hours (not
including weekends and holidays) to discuss it with you. After we
discuss your preliminary application, if you wish to proceed we
will send you a simple to fill out, application package. Once the
application has been completed and returned to us we will let you
know the ultimate results within 48 hours
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How long does the approval
process take?
Once we receive all the paperwork you will be notified of the
outcome in 48 hours. If you are approved, and this is very likely,
we will quickly begin the startup process to get you up and
running as quickly as possible.
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Is there a service phone number that I can call if I
need help?
Yes! You will have live, toll-free merchant assistance
available to you between the hours of 9:00 AM and 5:30 PM EST,
Monday through Friday at 1-800-573-6268.
After regular business hours we can still be reached by E-mail and
will respond immediately to any urgent request for help.
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