I am trying to help a friend out whom owns their own plumbing & heating business, to look for some type of way for them to accept credit cards over the phone or by mail if they decide to pay that way. I’ve never done this and their a home based operation so we’re wondering if anyone has any experience or suggestions for this like who to go through or how much it typically costs.
This white lady gets on my bus and ask me what the fare is. And I tell her, so she gives me her credit card. And I said we dont accept credit cards.
And she said buses dont accept credit cards. I ask her do you see a damn credit card machine on the farebox??
•Have I to have an account with each one of the credit cards I accept in my reader?
•If I have not account with “XX” credit card I can not accept “XX” credit cards?
•Does my credit card reader have one identification code, the same for all credit cards I accept, or one identification code for each credit card account I have?
•Does the credit card reader by itself have its own identification and unique code?
•Do I, or does the credit card company assign the identification code for the reader?
•Is There a minimum value for the transaction to be accepted by the reader and or the credit card? A total charge of {content}.20 could be possible? Could it be accepted and processed by the reader and credit card company?How much cost to open an account? For how long time is it valid? Do I have to pay monthly/yearly fee. How much is the charge/transaction?Do I get reports of transactions?Where to buy a book /literature to learn on?
I have had for the last 3 months ACH Card Services take money from my account. Each time I have disputed this with my bank, and got my money back, but the company has since just been changing the amount of the withdraw and my bank cant stop them because there is NO company listed, phone number or addresss….they have told me that is it a ‘phantom company’. So as long as they request a different amount each time they cant stop it, but I can dispute it and get my money back….which takes weeks. They started with .50 the first month, then 38.52 the next and this month 38.56! WTF……So I am in the process of closing my account but with all my bills that are due to come out (which this charge is NOT one of them, and NO I didnt just forget about it) its taking a little while. It will be 100% closed by the 15th of Feb, but has anyone had this problem and found out where it has came from? It the bank cant find out who it is and get their money back and I can’t either I will be charged the amounts by the bank….PLEASE!!! Any ideas…..I dont have credit cards set up as auto bill just my mortgage, insurance and phone…thats it…and they are no where near that amount.
I havent signed up for anything, and when i pay bills its from my debit card…this is coming as a check using my acct. number
I run my business from my home office and would like to accept credit cards from my customers. I use my cell for everything, so, not sure if this is even possible or if I need to get a land line? Any details ( specifics) would be greatly beneficial. Thanks in advance.
From time to time, in our monthly statement envelopes we receive from our credit cards or from mortgage companies, there is a small double sided advertising leaflet size: 6”3/4 and 3”1/2.
For example, last month I received in my mortgage statement, a leaflet that was selling me labels that I could personalize for envelopes.
I am working for a small non-profit organization and we would want to use the media to bring awareness about our non-profit organization. We have contacted several credit card companies and the people we got on the phone have no clue about who puts the leaflets in the envelopes that are sent out.
It could be that there is an outside company that is outsourcing the entire mailing process and they would also be the ones who include the advertisement.
If you would know how the process works or if you work with that kind of business, please let us know who to contact for sending out this kind of leaflets for the non profit organization.
Thanks
Does anyone know of a credit card processor that can do Droid Android credit card processing? I have a business and I want to process credit cards on my droid android phone.
I’m not talking about sit down restaurants, I’m talking about like Subway, Burger King, or other fast food places or walk in places.
Like you order your food, and then you try to pay with your credit card because you’re short on cash but they say sorry our machine isn’t working. Would it be rude to not pay and just leave after they made your food?
This has happened to me twice, luckily I had just enough to pay with cash. But happens if you don’t have the cash?
I should have said debit card. I have one of those prepaid "credit cards" so I say credit instead of debit because I don’t have a pin #.
Our telephone service in my restaurant has been temporarily disconnected so our credit card machine doesn’t work. What is the best way to say that we can’t accept credit cards due to telephone disconnection? Should I just write, "Due to our temporarily unavailable phone service, credit cards will NOT be accepted. We are sorry for this inconvenience. Thank You"
To make a long story short, I moved to Texas away from my family to start a "new life" and in the process of getting back on my feet I was irresponsible with my credit card and made a lot of mistakes with late payments, etc. I do not have anything in collections nor have I ever. I have never had a lawsuit or anything like that, but I am trying to pay off a credit card balance of 2500 as I am a full-time waitress and full-time student. So far I have paid it down to 2000, paying 150 a month and not using it. I am following a strict budget now and certainly have improved. I have paid all my bills on time for the past six months or so, but I know it will take a lot longer than that to improve from my past.
Would you all recommend I raise my credit limit to 3000+ on my card so I do not carry an amount so close to my limit, which negatively affects my score? I no longer use the card, I just pay on it, but I figured having the limit raised as I pay it off might be better because I wouldn’t stay so close to the limit as I paid it off (which will take awhile).
Any other advice on improving my credit score? I have a lot of open credit cards from stores like Old Navy, Victorias Secret, JcPennys with NO balance (nothing on them) that I canceled today (was this a good idea?) because I didn’t want to have them when I never use them.
Also, I canceled Sprint awhile back for a more affordable cell phone plan. The account is paid off and closed, but will canceling it hurt my credit score?
I’ll stop now. I’ve gotten a lot better and learned a LOT about budgeting and credit and what not as I have learned to support myself and grown up going to school and working. I just need advice on improving my credit score… I was a little depressed about it when I got my free credit report but expected it just the same. Any advice?
If they scan the credit cards with the X-ray machine will it destroy the credit card?
When I was first pregnant my husband (at the time fiance) had me go to an ER. I was in major stomach pains and tried telling him it was normal because my mother had the same problems with all four of her kids. But he was so afraid it was something else so I went. All they said was "yeah you’re pregnant and about 6 weeks." they didnt’ say anything about why i was in pain, and even stuck me with something. I actualy screamed out because it hurt so much and the lady was like "oh no, shhh shhh shh" shushing me. I remember something about saying useing a straw (im guessing to get urine although I dunno why i oculdnt just go to the bathroom and peei n a cup) and her saying "i’m glad we didn’t use the big straw" ANYWAYS- we didn’t have insurance at the time, I was techinially comepletely on my own. I dont have any credit cards or anything-been married to hubby for over a year now and we have our son. We were able to get insurance before baby was born (he’s in military and they were going really slow. We were trying to get married even before I was pregnant and ended up having to call higher up to get the process going. Apparently the area he was workign in didn’t want him to get married and was trying to hold it off . I guess thuinking if they held it off long enough we wouldn’t marry at all.) Anyways, debt collectors have called his cell phone, we did make one payment once when we could afford it but we havn’t been able to ever since then. Anyway, what can they do? Mother in law keeps saying they can’t do anything. Any experience? thanks
Can you accept credit cards without a merchant account? or paypal?
I am told that credit cards must meet the EMV standard, universal acceptance. No one at Chase could answer.
I was wondering what is the name or how do you call the credit card (swipe-tool) that some sales people use? Like those people that come to your business and try to sell you spa packages and they accept credit cards, Is like a machine-tool that allows you to copy the credit card when u place it on the back. Kind of what some nightclubs have when u pay at the entrance. But it is not the electronic one that u have to enter ur pin number, is the Manual one.
If u can help me to find out more info like name and how much it cost, or if they charge u for transaccion, or where can I get this I will really appreciate that.
Thank you,
I’m looking for recommendations for a company (like pay-pal) that I can use to process credit card transactions online and by telephone when we take donations or sell merchandise. I’ve had several people complain about pay-pal and they don’t seem to let you process credit cards for donation by phone. Any ideas?
Hi there,
Thanks for your time.
My husband and I recently applied for credit…well in the process my husband gave his social to a scammer and so now we have a fraud alert on both our credit reports.
Can I use my current credit cards with this fraud alert on my credit?
What will happen at the two places we applied for credit at? (we applied befpre teh fraud alert was placed).
When my husband placed his fraud alert they asked for a phone number for creditors to call–not with me though I hand to hang up half way through after putting in my social becuase our two year old locked me out of the house while I was on the phone…so now what?
I am the lead network administrator for a company that takes credit cards via the web and phone for large Fortune 500 customers. Since a lot of our clients are publicly traded companies or financial institutions they often require us to be PCI compliant (security standard to help prevent credit card fraud). http://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Security_Standard
As it relates to me being a network admin we have to secure our physical network externally as well as our web-based credit card processing sites at an application level. Right now our web sites cannot pass the PCI external scanning requirements. If we or a third party run a test scan against them they fail several key measurements of security due to bad coding, etc. If I tighten down the security to get it to pass the test, it will;, however, the sites wont work for even placing orders! lol
Thats the problem - the IT Director and CIO are under a lot of heat to get us PCI compliant, but honestly they are just really bad managers on the whole and give little communication/direction to their employees. My boss (IT Director) had be tighten down the security just for a 3rd party PCI auditor to do a external scan so it would show passed then we had to immediately turn it off since these tighter security settings take down our sites. Now they are running aroudn the company broadcasting how we are meeting these security standards and telling all of our clients we are PCI compliant, but I know damn well today we are not. Through proper planning, testing, and execution yes we could be and most people could, but as you can see this did not happen.
My big issue with this from a moral standpoint is I was instructed to partake in what I consider to be a dishonest act. In business and sales I am fully aware that the truth sometimes has to be bent to a near breaking point to accquire business, but the way this played out leaves me with a guilty concious. Both people internally and externally are going to be lied to and have been already. Can we become legitimately PCI compliant? Yes….. but not like this. Now that they got their passed scan in no one but me really even cares are truely becoming compliant.
I think if we were a publicly traded company this would be illegal, but we are a private company. I fear if I take this to HR I may get fired by these same bosses. Since we are an at-will state for employment and I cannot tell this is breaking any federal law then I would have no action against them.
Please advise!
i went to canada as a student and had couple of credit cards on my name,phone contract etc now i had to come to india after finishing my course
i understand that i have a bad credit now will i be reported as fraud
i have my permanent application in process is this going to effect my application
Are fees applied to establishments that accept credit cards when credit cards are used? For instance, if I bought something form a local retailer and I used my credit card, would the retailer be charged a fee for the credit card transaction? I heard they do, but not sure.
And my —main— question is this: If they do get charged a fee for using a credit card, is it the same when a customer uses a debit card? A card that withdraws money directly from the customers account? Or is that a free charge for the establishment that owns the credit card machine?
ok this is a stupid question to some of you but i dont have any knowledge about credit histories because I dont have any credit cards and never applied in any of them. my question is can you have a credit history evethough you never apply for a credit card? I’m a victim of identity theft..unfornately =( I found out that someone was using my social security, not one but two person usin my ss# so i did all the necessary steps called social security agency, ftc and filed police reports however, i tried to call the credit agencies coz they adviced me to call this agencies to put an alert on any credit cards i have…but thing is I dont have any credit cards, i called the equifax anyways to make sure, but everytime i call and after i enter all my infos on the phone because its automated and there is no actual person to talk to…it will always say " we cannot process your request at this time"blah blah… so i was wonderin, does this mean i dont have any credit history at all? help pls!
another question..since I never opened up any credit cards ever…should I worry about the person who stole my social security number oppening up credit cards under my ss#?
I need help please! this is driving me nuts and I’m getting depressed already
=(
Hello and thank you for reading my question. I am starting a small local business that will involve me picking up and delivering to-go food from restaurants to my clients. I would like to accept payment in cash, check or credit card. Cash and check would be easy, as I could just take it upon delivering the food. Credit cards however, are leaving me a little puzzled. I am a bit familiar with Paypal, but have only used it as a buyer on eBay. Should I have them give me their credit card number/exp date over the phone and then type it in to process on Paypal my own? Should I send them some kind of Paypal e-mail invoice? What would you suggest? I’m looking for a method that is safe and secure, but also efficient and easy for the client. Thanks.
From what I recall it is. My problem is I have DSL internet and a phone jack where I plan to process credit cards, but where I plan to set up office, I only have a cable (and nowhere else in the space) and no phone jack. I need internet in my office!
Is it possible to switch to cable and still process credit cards with cable internet, or is the only solution to go wireless (w/ either internet or credit card processing)?
I have wireless 5GB broadband internet service on my computer. Is there anyway I can hook a credit card machine to my usb port and use the internet to run credit cards for my business. If so, what is a good setup.
Thanks!
About 2 years ago I opened up a merchant account with a credit card processing company called Card Service International so I could charge credit cards for my ebay sales instead of using Paypal. Well the first week of sales totaled about ,200 or so. A few days after charging the cards I still saw no sign of the money in my bank account. Then a few days later I saw a DEBIT for ,200 on my account from CSI (card service international). I called them about they explained that since my accoutn was new a red flag was triggered in their system and they were going to have their fraud dept review my account and until the review was complete they would have to chargeback all my recent orders. I explained to the man on the phone SEVERAL TIMES that they have never DEPOSITED the money from the orders into my account int he first place so they didn’t need to DEBIT my account because they never gave me the money to begin with that I had earned from the sales. Apparenly he didn’t care….
I researched the company and found several other complaints similar to mine that and that many class action lawsuits had been filed against CSI b/c they had a history of fraud. I quickly blocked all access to my bank account by this company and filed a chargeback to get my 00 back.
So this morning (2 years later) I wake up and find that I have some new info on my credit report. CSI is claiming that I have debts owed to them amounting ,500! I cannot imagine that the amount of money I owe them could possibly even be anywhere NEAR this amount. My merchant fees per month were only a minimum processing fee and a statement fee. How could I POSSIBLY owe them over 16 grand?
Now is it just me, or can they legally do that? There is just NO way I could owe them that much money. I don’t know what to do. Should I consult an attorney?
