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I’m not sure what terminal, equipment or software I
should buy. What is best for my business?
![*]() Whether you are starting a new business or
expanding an existing one, FDIS has
the payment solution to support your processing needs.
FDIS serves traditional and Internet
businesses, as well as restaurants, mail order/telephone
order and home-based businesses.
Suggested services are:
![*]() How long before I can accept credit and/or
ATM/debit cards (i.e., the account is live)?
![*]() Once your merchant account is approved, which
usually takes two business days, you will be able to accept
cards the very next business day.
![*]() What types of merchants does FDIS sign
up?
![*]() FDIS processes credit and ATM/debit card transactions
for more than 161,000 traditional and Internet businesses.
Whether you are building an e-commerce Web site, a traditional
brick-and-mortar business or a mail order/telephone order
business, you will want to open a FDIS merchant account,
which enables you to accept credit cards and/or ATM/debit
cards as payment for customer purchases.
![*]() How does Global Gateway
Connect integrate with my Web site?
![*]() To manually enter credit card transactions,
you do not need any additional integration. You log on
to a secure Web site and complete the credit card transaction
using your Global Gateway Connect virtual terminal.
How is FDIS allowed to process
credit cards?
FDIS is a registered service provider
for clearing and settlement institutions that sponsor
Cardservice to enter MasterCard® and Visa® transactions
into the interchange system. The settlement banks are
our clearing banks and are members of MasterCard® and
Visa® associations; therefore, both card associations
are obligated to guarantee the settlement of merchant
funds.
Can I be approved if I have bad credit or no credit?
We maintain one of the highest approval rates in the industry.
How do I get my money?
There are four steps to getting your money. Initiating,
authorizing, completing the transaction and receiving
your funds.
Step 1 - Initiating the transaction to verify that
a card is active and within the approved spending limit:
- Brick-and-mortar and retail or restaurant environments
swipe the card or key in the number through a point-of-sale
terminal (i.e., card is physically present).
- Mail order/telephone order environments enter the
card identifiers the customer has provided you by
mail, telephone or fax (i.e., the card is not present).
- Internet environments where the customer provides
your Web site with card identifiers (i.e., card is
not present).
Step 2 - Real-time authorizing, which reduces chargebacks
and catches card-entry errors:
- Credit card number is entered.
- Terminal or software transmits the credit card
number and expiration date and sales total to Cardservice
International.
- FDIS transmits data to customer’s
credit card-issuing bank.
- Customer’s issuing bank approves or declines the
transaction.
Step 3 - Completing the transaction:
- Merchant’s terminal or software transmits transaction
details to FDIS in a batch at
close of the business day.
- FDIS forwards transactions
to each credit card company, which redirects the transactions
to appropriate banks.
- Bank debits credit cardholder’s account and credits
FDIS.
Step 4 - Receiving your funds:
- FDIS credits your merchant
account, within two business days.
![*]() When do my transactions get funded?
![*]() Within two business days after you submit
your batches to FDIS.
![*]() How is my money protected?
![*]() FDIS is equipped to address
the key protection issues of both traditional and Internet
merchants, including fraud, loss prevention and chargebacks.
The company uses state-of-the-art security technology,
and the First Data Global Gateway payment gateway uses Secure
Sockets Layer (SSL) technology designed to protect all
merchant and payment information.
![*]() What if I need help with my account?
![*]() FDIS has more than 200 customer service representatives
available to serve you 24 hours a day, 7 days a week,
in more than 140 languages and dialects. In addition,
Mymerchantoffice.com, FDIS merchant-dedicated Web site,
allows you to access your merchant account information
online at any time, from any location.
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