NBS Agents >> Merchant Account Agent and ISO Programs

I went to my dentist and was asked to provide my credit card information for them to store in their database in case they needed to bill me for something. As far as I know, they are not allowed to just store my credit card information.

Thanks for the help, my state in case that makes a difference is Pennsylvania.

Yes, they can and usually do store credit card infomation. It’s a security measure for the merchant. If you don’t pay a bill, they’ll charge the account on file.

Which merchant service company would you use if you operated a small business and why?

It’s hard to say since both use independent sales agents to establish accounts. These agents can set their rates to whatever they want them to be so they’ll fluctuate from agent to agent even within the same company. You’ll have to get rates from several agents from each company to see which is better.

As far as EVO , Heartland, and any other company goes they’re all really just about the same as far as services go. Once you’re signed up and running it all just works.

You much be specific.Is cc short for credit card or commercial credit. my answer for the latter should be no.

A Cave of Robbers
JESUS had ample reason to say that greedy merchants had turned God’s temple into "a cave of robbers." (Matthew 21:12, 13) To pay the temple tax, Jews and proselytes from other lands had to exchange their foreign money for acceptable currency. In his book The Life and Times of Jesus the Messiah, Alfred Edersheim explains that money changers used to set up their businesses in the provinces on Adar 15, a month before Passover. Beginning on Adar 25, they moved into the temple area in Jerusalem to capitalize on the tremendous influx of Jews and proselytes. Dealers ran a thriving business, charging a fee for every piece of money exchanged. Jesus’ reference to them as robbers suggests that their fees were so excessive that they were, in effect, extorting money from the poor.
Some could not bring their own sacrificial animals. Anyone who did so had to have the animal examined by an inspector at the temple—for a fee. Not wanting to risk having an animal rejected after bringing it a long distance, many bought a Levitically "approved" one from corrupt dealers at the temple. "Many a poor peasant was well fleeced there," says one scholar.
There is evidence that onetime high priest Annas and his family had a vested interest in the temple merchants. Rabbinic writings speak of "the [temple] Bazaars of the sons of Annas." Revenue from the money changers and from the sale of animals within the temple grounds was one of their main sources of income. One scholar says that Jesus’ action in evicting the merchants "was aimed not only at the prestige of the priests but at their pockets." Be that as it may, his enemies surely wanted to do away with him!—Luke 19:45-48.

Pope calls for peace in 2010 USA TODAY News of Religion. Will the Pope talk about the Bible basic need for peace or just secular money laws? And does he back God’s kingdom or the human U.N. for peace? Are they one in the same or in conflict with each other? He give teeth to the U.N. for peace or just a world secular money fix? Who will the U.N. bite with those teeth? Counterfeit clergy? The Bible says yes! Revelation 17:16 "And the ten horns [nations] that you saw, and the wild beast [U.N.], these will hate the harlot [counterfeit clergy and their church fraud business] and will make her devastated and naked, and will eat up her fleshy parts [money and belongings] and will completely burn her with fire. [put them out of business completely as illegal fraud counterfeiters]" Same in Jesus day!

Just as American culture secularized [pagan] Christmas, it’s secularizing [pagan] Easter." Another counterfeit holiday putting on a show of being Christian! And the clergy get rich from people going to their church and stores [they own!] Note Matthew 6:24 “No one can slave for two masters; for either he will hate the one and love the other, or he will stick to the one and despise the other. YOU cannot slave for God and for Riches." Time to look into who your clergy really love, God and you or your money only? A counterfeit bill religion will not buy anything from God! He is not fooled, are you? Back tax the fraud clergy and their money making secular businesses since it is not a genuine religion, make it a world money Stimulus Plan by way of the U.N.! We will not get life by fraud customs and teachings of counterfeit Christian clergy! So tax them this time!

Jesus would agree with that plan John 2:16, 17 "And he said to those selling the doves: “Take these things away from here! Stop making the house of my Father a house of merchandise!”

How many other counterfeit teachings do they feed us? Look into it! January 13, 2010
Oregon Governor Ted Kulongoski, Religious Fraud Counterfeiters will be punished soon! Governor Ted Kulongoski Fax: 503.378.6827 you are the first to need to know that fact!

I don’t look to the UN to save us from church corruption, if it exists.

Hi There, I’ve given my credit card number to an agency to book a hotel room for me. I found out the agency did not book the right hotel for me, and I advised my credit card company to dispute those charges successfully. Now the hotel go against the agency and ask for the money. Can the agency file a small claim against me even I did not use the room from that hotel at all?

They can file a claim. The question would be can they WIN it. I don’t think they can win against you since YOU did not book the room. I would refer them to the travel agent or whoever actually booked the room on your behalf. I would not ignore them and I would keep records of all contacts you had with them.

If by some means they do win a suit against you, you can go after the booking agent for reimbursement. If need be, you can take them to small claims court to recover your losses.

I saw a report on the news that said credit card companies do not like that when merchants do that. They said to call their customer service line and inform them of which businesses are doing that.
But it ends up hurting the business in the long run. If I go to a store once and they deny me from using my credit card, I won’t ever go back there again even if I have cash in the future. They’re losing a repeat customer.

Technically no, they can’t require a minimum. Their merchant agreement with VISA/MC/Discover/Amex will require them to accept all amounts without charging the customers extra or enforcing a minimum. They do not get to pick and choose which transactions they will accept. They either accept credit cards or they don’t.

However, many small businesses do require a minimum amount in violation of these rules and count on the customers not raising a fuss over it. Why do they do this? VISA charges a percentage of each transaction as a fee but there is also a minimum charge per transaction. I don’t know the exact numbers but it’s something like a quarter or fifty cents minimum processing fee. On sales smaller than $3 or $5, the store is probably paying more to VISA in processing fees than they are making in profit on the sale. Large grocery stores can absorb these costs, small businesses can’t.

You can raise a fuss and try to make them process the transaction but I seriously doubt complaining to VISA will cause them to lose their merchant agreement. Or you can realize that they are just trying to make their business profitable. I never carry cash on me so I’ve run into this many times. If you are polite and reasonable and explain that you just don’t have cash but you HAVE to have the $1.29 soda put on your card or you will walk out the door and go to their closest competitor, they may just take care of you in the name of customer service.

It’s not a question of legality since this type of thing is not really governed by federal, state, or local laws. It’s a question of contract breach between the merchant and VISA

This is to clarify an earlier question.
I disputed a credit card charge from a merchant with my Credit Card company. The dispute was found in my favor, not in court, but by my credit card company and the merchants bank. The merchant is now threatening to send it to collections or take legal action. Doesn’t disputing a charge and having it found in your favor take care of any legal or collection action? Otherwise merchants would do that all the time and there would be no point of credit card disputes and no consumer protection. Isn’t this also coverd by the FTC?
Thanks!

You need to understand that the credit card company only acts as a 3rd party in this transaction. If this is a "border line" dispute they would prefer to just give back the money and back out of it.

But your transaction is with the merchant, not with the credit card company. Therefore if your merchant feels you are liable, he can take whatever action is necessary. If you still feel you are right, make him take you to court and dispute it.

If he turns it over to collections, immediately dispute the charge and demand validation. Otherwise, they may put a hit on your credit report. If that happens (and you are still certain you could win in court) then file an action against them for posting unvalidated information on your credit report. You could win $1000 in such a lawsuit.

Wish I would help you more, but without more details I can’t give much more advice.

I just curious to know, if not, how should I move the bed into my home? How much do I need to pay? (Bay Area)
If I buy from IKEA (East Palo Alto)

Free Delivery and Installation – Are You Getting What You Paid for?
http://www.stlbeds.com/articles/2008/03/03/free-delivery-and-installation-are-you-getting-what-you-paid-for/
The answer is yes. I do not think the old saying “you don’t get nothing for nothing but nothing” applies in the case of the furniture industry, customers could very well be getting what they paid for and a whole lot more when it comes to delivery.

We are a new merchant planning on launching an online auction website. Our business falls into higher risk category because it is an online auction plus it involves reserve deposit, capture deposit, and then transfer of deposit. My boss wants me to come up with a solution for the payment process by the end of the week. Our business model violates the rules of various third party processors such as Amazon FPS, Braintree, etc. Authorize.net has APIs to support our business model but I am yet to receive a reply from them. Paypal and GoogleCheckout are off the list because of bad reviews.

The problem is I am not 100% clear on issues such as PCI compliance, how to store the credit card information, etc (I just recently learned about merchant accounts and gateways). What would be a good place to start? How should I go about with my research? Any suggestion would be very helpful(By the way, although my boss is from US I am from Asia so it is not possible for me to make phone calls to various providers. I am trying to communicate with them through emails)

If you are to be dealing with lots of international transactions as well as large sums of money, I would recommend you checking out Global Collect and talking with one of their agents to see if they offer the services you will be needing.