http://www.merchantcashadvance.com merchant card services, merchant cash advance, online payment processing, fast loan, unsecured small business loan, merchantcashadvance.com
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http://www.merchantcashadvance.com merchant card services, merchant cash advance, online payment processing, fast loan, unsecured small business loan.
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If i use paypals merchant account on my website can a customer pay me with a credit card without him having a paypal account?
They will still need a Paypal account, because the screen typically shows the shopping cart with the item the customer wants to buy AND the Paypal login screen. They will need to login to Paypal before they can hit the submit button
1. If someone stole other people’s credit card and make a purchase on a web site, and the victim filed a dispute with the credit card company, the website merchant will receive a chargeback. What should the merchant do to avoid this type chargeback record, especially the web site offers online services which is not tangible goods?
2. Even the merchant proved that this is someone else’s fraudulent transaction, will the fraudulent transaction amount counted toward the charegeback amount in the merchant’s merchant account? Who will suffer as a victim here – the merchant service bank or the merchant or the credit card issuer? It doesn’t make sense to hold the merchant responsible for the fraud since this is an online transaction and there is no way the merchant can prevent this, especially the fraudulent transaction has the correct 3-digit or 4-digit number and correct street address.
3. what should you do? report to the police and get the police to catch those people?
1) Avoiding this kind of chargeback comes down to good fraud screening by the merchant. You need to start with AVS and CVV and then move on to better tools. There are tools out there that can reduce your exposure to these kind of chargebacks. It is called Verified by Visa and MasterCard Securecode. If you use these tools you can never lose a chargeback because the person claims they didn’t make the purchase. The reason being they have to use a special PIN number and if they use it that proves they are the cardholder and cannot claim it was stolen or they didn’t authorize the purchase. I suggest looking into them. (Keep in mind you still can get chargebacks but these tools will reduce the kinds you can get which means less chargebacks overall).
2) When it comes down to online sales the customer ALWAYS wins the chargeback dispute. This is because only swiped transactions (i.e. face-to-face transactions) are merchants given the benefit of the doubt. But online the merchant always loses their funds with Visa and MasterCard. (With American Express you may win under very rare circumstances). Basically the burden of verifying the user falls entirely on the merchant. That’s why you need to make sure you have the right tools in place when processing online.
3) You can report them to the FBI (since it most likely occurs over state lines) but it is a waste of time. Unless the total amount is very large they won’t even investigate it. They don’t consider it worth their resources.
Apparently they sell terminals to businesses so that they can accept credit cards as payment. I answered an ad on Craigslist about the position and it’s apparently an at-home position where I would be calling 3 different states trying to set appointments and the guy I would be working for, would then do the selling. Apparently whatever he sells, I would get half of. I apparently also have to obtain a business license and in doing so, I would then be able to hire my own employees. Is this legitimate? Does anyone have any information on Total Merchant Services? It sounds almost too good to be true and seems slightly scammish but perhaps I’m just paranoid. Any info would be great!
Total Merchant Services is a legitimate business. However you won’t be working for them. You will be working for a sales agent of theirs and that means it is the sales agent you need to learn more about. The sales agent doesn’t actually work for Total Merchant Services and is responsible for their own employees which is what you would be. If you decide to work for this sales agent you should get a signed contract specifying what you’ll be paid and you’ll have to very clearly state that they must provide documentation of their revenue they generate from the merchants they acquire through your efforts.
http://www.merchantcashadvance.com card services, merchant cash advance, online payment processing, fast loan, unsecured small business loan, small business loan.
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Yesterday I had my vehicle serviced at a local transmission shop (I live in Dallas, Texas) I paid my bill with a Master Card, they ask for my driver license. I found this to be redundant, because a credit card is a form of ID. Then they proceeded to make a photo copy of both, my DL and my credit card. When I questioned this, I got the popular, “It is company policy” response. Is this illegal, or at the very least does it violate Master Card policy?
Long answer but…..
As others have said it is perfectly legal to ask for an ID. Some places don’t bother but many do and they ave that right. Actually it is disirable that they do in case someone steals, clones or finds your card. Many people, including myself take a marker and write "see ID" over the signature on the back…… for the same purpose.
Now the one answer you got about photocopying a license is thought provoking. Though they have the right to SEE an ID I seriously doubt that they are doing the right thing regarding photocopying both.
The credit card info is sent and recorded electronically and the merchant can retrieve this information anytime….. so there is no need to photocopy it. Plus copying it would also show what bank or company issued it (say Capital One or Citibank) making it so much easier to know who to call and say they are you or clone the card.
Reciepts and service records usually show only that it was a Mastercard, expiration date and only the last 4 digits of your account number with the rest of the digits shown as an "X". This is because anybody viewing a record or reciept would have all that they need. If the merchant needed this info they have to call in with a merchant # and such…….. which only those in authority have the final #. What? Your info is in a paper file that anybody can get to or what if someone broke in?
As an aside if they copied the back of the card as well I would go to town. With the 3 or 4 digit number on the back and an account number anybody could order stuff off of the net. In your complaints to whomever you could say "how do I know that they did not copy the back?".
Now copying the license and this is the same paper file? No way. You legally showed ID and that is supposed to be enough. License and card info in one place? That is a ready made do-it-yourself idenity theft kit. Address, birthdate, license number, etc…….. shoot, anybody with $15.00 could figure out your mothers maiden name on the net.
You have every reason to get angry (but leave out a card is ID thing). If you are irritated enough or just to cover your butt……. call Mastercard and speak with someone. Not the first person you get but get to something like a "senior resolution" person. That person will have to look into things. If you have to change your info all the better as it is an inconvience….. all the better.
If the place is part of a chain or franchised (like Goodyear)contact the main company. Inall that you do get names, times, case numbers, what was said etc.
You could just go down there and demand the copies since why would they need them once the charge has cleared? If they refuse again all the better.
If you really want to get to it call some local TV station. In this day and age of theft and post 9-11 stuff they would hop on this in a heartbeat. Though this may not be your aim I am betting that regardless of what you do you will get some or all of your money back. Is this wrong….. no as you spent time dealing with it. And they will have to change things and maybe even one person will not have to spend years repairing their credit.
I just set up a merchant account with CSI (Card Services International). They come with a free shopping cart for eBay. I sell only on eBay. My question is do I also need a Gateway as well to be able to integrate my merchant account with the shopping cart on eBay or does the free shopping cart on eBay give me a Gateway already. I’m very confused!
Check with your CSI rep if the program you signed up with them already includes their LinkPoint Secure Payment Gateway http://www.cardservice.com/linkpoint_01.aspx – that is their payment gateway system. If not, ask if this is needed and how much it costs
HI. i recently just purchased Merchant Services , where you sell credit card machines to businesses.
I regret to say I didn’t do any research before purchasing, my instructions on how this all works comes in a few days..
Just curious if anyone has had any luck ?
Or curious to hear from ANYONE who has experience with Merchant Services.
Thank you.
Lulou, what do you mean?
meaning noone’s answering or…
have you had experience with Merchant Services?
Thanks
Too bad, it looks like you got a solo act going. Might want to go to ask.com with this question, you might get a better answer or at least some info!!
Read on video screen.