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Do I Need to Have a Physical Location?

by total-apps,

, in Credit Card Processing Frequently Asked Questions Merchant Services

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One of the common questions we receive when dealing with new merchants is, “Do I have to have a physical location in addition to my online store?”

 

We try to make things as easy as possible for you. Not only do we have solutions for retail-only merchants, we have solutions for eCommerce focused businesses and merchants who sell on every channel they can!

 

If you only have an online store, the application process is extremely simple. We can get you set…

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How the EMV Changes Will Affect Your Business (Part 1)

by total-apps,

, in Credit Card Processing Merchant Services

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The deadline for your business to migrate to EMV acceptance is approaching. EMV is a series of regulations regarding secure methods of payment. While developed in the 90’s, the US is actually one of the last countries to adopt these regulations. We wanted to address a few key points and prepare you for this change as the date in October gets closer and closer.

 

If you run a retail location, these new regulations can mean drastic changes for you. You…

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Why Would the Bank Put a Reserve on My Account?

by total-apps,

, in Credit Card Processing Frequently Asked Questions Merchant Services

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There are times where underwriting prefers a reserve on a new merchant account. As much as we typically are able to avoid this scenario, here’s how that would occur and the reasons behind it.

 

 

 

First, your bank statements may show an amount insufficient to cover any chargebacks or refunds. When this occurs, the provider and bank that signed you up holds the responsibility with these customers that are looking for their money back.

 

Second, the level of risk with the business…

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How Does the Application Process Work?

by total-apps,

, in Credit Card Processing Frequently Asked Questions Merchant Services

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The application process should be extremely simple no matter which provider you choose. At Total-Apps, we do make it a priority to get you set up within 2-3 business days. Here’s how that breaks down:

 

 

When you initially inquire with Total-Apps, one of our account engineers will review the information you provide and pre-approve you with a designated account type. Depending on the level of risk for your business, there are multiple options on how to set you up.

 

The next…

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3 Tips to Manage Your High Risk Business

by total-apps,

, in Credit Card Processing Merchant Services

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There can be a few reasons your bank is labeling you as “high risk.” You may be in an industry with government regulations. You may be selling a service or product that is in a legal gray area. You may be running a business with a track record of chargebacks. Whatever the case, here are 3 tips we’ve come up with to ensure you manage it successfully and know your options.

 

 

1. Form a Relationship with Your Merchant Account Provider

This…

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