NBS Agents >> Merchant Account Agent and ISO Programs

If you didn’t apply for it then yes. REPORT IT TO THE POLICE!!!!

First Data Merchant Processing is the only one to work with Yahoo
I would love your buisness,Sorry
www.processpremier.com

For example, do online cash advance companies just charge a credit card for cash, pay the transaction fee to the credit card company and charge their own fee to the customer; thus, a cash advance company would take no risk? Then, could a person create a site to do the same and just undercut the margins in this business?

I’m not sure of if you can get a merchant account without a product. What I do know is that my bank’s ATM network is already undercutting YOUR cost for cash advances.

I want to file some formal complaints involving my business merchant account and a credit card company. Trying to figure out the best way to go. Do I file a complaint with the state they are located in via attorney general? Appreciate any ideas.

In my experience the credit card company sets the rules and the merchant accepts them. If you’ve tried to work out your disagreement with the credit card company but couldn’t reach resolution you should turn to whoever is named in an arbitration clause if one is present in your contract. I doubt that an attorney general is going to be interested in your dispute unless it involves fraud or other criminal activity.

What does your company attorney say about this?

Can a merchant decides to transfer their credit card discounts (fees) to the customer? If not, how do you report them? I understand from a number of sources that it is against card association regulations, but can’t find a site to report non compliance

Passing those fees to the customer is against the merchant agreement. Call Visa or Mastercard and report them.

You won’t get a refund but you might make trouble for the merchant.

I went to Huntington Honda dealer in Huntington, NY 11746 and placed the order for brand new vehicle.
Ordered few accessories including 1) Fog Light 2) All Season Mat 3) Cross Bar 4) Cargo Board 5) Backup Sensor
Went to pick up the vehicle on Nov 14, 2005 in the evening.
Gave the cashier’s check for the huge amount and some remaining money ($2149) by credit card
Realized next day that the backup sensor were what I ordered. Went through lot of hassle to get it fixed.
Had to dipute credit card charges.
The credit card bank converted the temporary credit that they had given me to a permanent credit.
They send me a letter saying that their investigation is over and that the temporary credit is now a permanent credit.
Under the terms and condition of the my credit card it mentions that if I am not satisfied with the purchase and tried in the good faith to resolve the issue and not happy with the result, I do not have to pay the amount.
Dealership is suing for $2149 on credit card

Sounds like you eventually got what you ordered and it is working properly? If so I don’t understand what your problem is? You owe them 2149.00, period. Just because the credit card made it a permanent credit doesn’t absolve you from having to pay the debt. Now, if your disputing the amount you owe because of the hassle you had to go through to get what you ordered then that is a different issue entirely and you have to settle with the dealership for that amount. But either way you owe $2149.00 or an amount that you settle for with the dealership.

check on line, each bank has a list of products for merchant facilities they have to offer online.

i am a merchant and i already have a cardnet (from LLOYDS TSB in the UK) to accept card payments. However, i rarely use the machine as sales are normally paid through cheque by our customers. the charges are, i find, very expensive. are there any cheaper options for me available? i know of paypal but does paypal only work over the internet? how about if i want to accept payment over the phone? are there any other cheaper alternatives you know of? thanks

paypal.

I have a business and I need to charge my customers credit card,but don’t have the volume to justify the cost and ongoing exspense to establish a merchant account.Paypal is not an option.

You need a merchant account. VISA, Mastercard, American Express require you to establish one in order to deal with them

What happens when you refund a credit card that does that exist because the first four numbers were inverted with the second four numbers? Does the money come back to me the merchant or do I just have nothing to worry about?

You did this on purpose? or accidentally? umm..no transaction will have occurred. CC companies not bright enough to do the reverse operation. There’s no money coming back to you, and the merchant – bless his heart will get a rejection notice from CC company regarding this transaction. If you got the merchandise, you might be home free.