Q. Can we accept debit cards with a ProcessingPoint Merchant Account?

A. Yes, we connect to all the major ATM debit networks. Your terminal or POS will have to have a PINPad which we will provide to you. Accepting this form of payment reduces risk of fraud and lowers your processing fees.

Q. What type of reporting do we get from ProcessingPoint?

A. One of the things that separate us from our competitors is the detailed reporting we give to all our clients. You will be able to see all your billing statements, real time transactions and batch information via one easy to use online system. Our reporting is free to all our merchants and is the best in the industry.

Q. What is an Internet payment gateway?

A.There are three vital things that an online payment gateway does when a customer attempts to make a purchase from your website using a credit card or a debit check card. These include authorization, settling, and reporting.

The payment gateway captures the credit card transaction, encrypts the transaction information, routes it to the credit card processor and then returns either an approval or a decline notice.

This is a seamless process and your customer does not directly interact with the payment gateway as data is forwarded to the gateway via your shopping cart and a secure connection. There are three vital things that an online payment gateway does when a customer attempts to make a purchase from your website using a credit card or a debit check card.

Q. Do you offer Internet payment gateways?

We even provide our own gateway that can easily integrate into your software or website. Having our own gateway gives our customers all Internet commerce support under one roof and reduces the cost of having to go to an outside vendor.

Q. What is a Virtual Terminal?

A.A Virtual Terminal, sometimes known as a VT, is an Internet based solution for processing credit cards. The VT allows a user to login to a secure website associated with your merchant account and key enter credit card transactions. This gives you the ability to accept payment from multiple locations without having to incur upfront hardware or software costs.

Q. Do you offer recurring billing?

A. Yes, we have a variety of solutions for recurring billing. In our payment gateway and Virtual terminal you have the ability to setup recurring billing for future payments. The program is customizable allowing you the flexibility to schedule your future billing.

Q. Can I use my current credit card terminal or POS System?

A. Yes, our program works with 99% of existing terminals and POS Systems.

Q. How long does it take to switch to or get started with ProcessingPoint?

A. Once we have the complete application it only takes 3-5 business days until you are ready to start processing credit and debit cards. If you need to get going faster, please inquire and we will work with you to meet your goals.

Q. Do you help businesses accept American Express?

A. Yes, we setup all types of credit and debit cards. Visa and MasterCard are the only competitive rates. All other cards are setup up by ProcessingPoint but we have no control over their rates.

Q. How often do we get funded?

A. Merchant's funds are directly deposited into the designated checking account within 48-72 hours after settlement.

Q. Will fees be deducted at the end of the month or during my daily deposits?

A. ProcessingPoint allows you to decide if you want your fees to be collected daily, or once per month.

Q. Do I need to get a new bank account to accept credit or debit cards?

A. No, you can keep your current bank account. We just need a voided business check to deposit receipts to your account.

Q. What type of documents do I need to turn in with my application?

A. This depends on your business type and processing volume. Typically you only need to submit:

• Copy of Voided Check
• Copy of Drivers License
• Copy of Current Merchant Statement

Q. Do you provide 24/7 customer service?

A. Yes, we have a dedicated support team available 24/7 via a toll -free number.

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