Shared Hosting
 Control Panel Demo
 Sales FAQ
 Order Now
   Reseller Hosting
 Reseller FAQ
 Order Now
   Dedicated Server
 Server Plans
 Why Dedicated
 Dedicated Server FAQ
 Order Now
   Domain Registration
 Domain FAQ
 Order Now
   SSL Certificate
 Order Now
   Merchant Account
 Merchant FAQ
 Apply Now
   Corporate Information
 About Us
 Why Us
 Our Network
 Our Partner
 Privacy Policy
 Contact Us
 Site Map

Merchant Account Frequently Asked Questions



  1. How Do I Get an Account, and How Are Accounts Handled?
  2. What Training and Support Do You Offer?
  3. How Is Information Processed?
  4. What Will a Gateway Do for Me?
  5. What Will a Virtual Terminal Do for Me?
  6. Does this merchant account allow annual billing?
  7. Are funds deposited into merchant's current business checking account or is he required to open an account with the bank providing the merchant account?
  8. What is the bank provifing the merchant account?
  9. Is there a contract for a certain amount of time?
  10. Are the rates being offerred guaranteed for the term of the contract?

Billing Information

  1. What are the Startup Fees?
  2. How Much are the Monthly Fees?
  3. What are the Transaction/Discount Fees?
  4. Is there a contract for a certain amount of time?
  5. Are there any fees for terminating the contract early?
  6. Are there any fees for not renewing the contract when it expires?
  7. What are the fees for chargebacks?


  1. What is a chargeback?
  2. What is a retrieval request?
  3. How does a retrieval request occur?
  4. Are any funds deducted from my bank account as a result of a retrieval request?
  5. What are some of the reasons for chargebacks?
  6. What should I do if I receive a chargeback?
  7. How do I manage chargebacks?


   How Do I Get an Account, and How Are Accounts Handled?

Prices of our services: Our prices are the most affordable in the industry. Each price is based upon your custom needs according to you industry, payment acceptance methods, accepted card types, and other factors.

Setting up a merchant account does not take long: As soon as you complete an online application, you will receive a merchant number. In as little as 24 to 48 hours after your application is complete, the account will be set up.

Merchant accounts will have approved processing limits: We approve merchant accounts based on the dollar volume merchants list on the application. e-onlinedata monitors account activity and reserves the right to review the accounts if the volume extends much higher or lower than the listed volume.

Review of merchants' credit information: When a credit card transaction takes place, the cardholder is debited and you are credited for the amount. However, the cardholder can dispute the charges for up to 90 days after the transaction. When the cardholder makes a chargeback, the transaction amount is automatically taken from your account and credited to the cardholder. Therefore, we need to ensure that each merchant applying for an account is in good financial health, has a viable business, and operates with good faith so that they and cardholders can resolve any disputes that might arise.

Merchants' liability for disputed transactions: Mastercard® and Visa® Card Association rules decide liability in case of disputes. The merchant is liable for disputed charges if the credit card is not present during the transaction. However, disputes of this kind might be reversed, depending on the circumstances. e-onlinedata has products and services that will effectively assist merchants in this process.

How you receive payment for submitted transactions: To pay money from your Mastercard and Visa accounts into your business bank account, we use ACH (Automated Clearing House) However, American Express and Discover will remit funds to your bank account if you have service agreements with them.

If you are switching from another payment processor to e-onlinedata: Please do not close your current account until your account with us is set up to process. When you are ready to process with e-onlinedata, then close the account with your former processor.

   What Training and Support Do You Offer?
  We have many types of training, to suit each merchant's needs: We gladly provide you with telephone training not only when you first start using us but later on as well. You will be provided with easy-to-read training guides and user manuals so that you can learn about our services and products. We will also keep you updated on industry regulatory changes.
   How Is Information Processed?
  You can see transaction information right away: Obtain up-to-date transaction information via reporting tools such as e-onlinedata Online, Re$ource Online, and SE Workstation.

Interchange fees:
We pay credit card issuers interchange fees for being allowed to use their cards in transactions. Mastercard and Visa base the fees upon the industry and the transaction method.

Merchants can accept multiple credit cards: e-onlinedata supports Mastercard, Visa, Discover, Diners Club/Carte Blanche, American Express, and JCB. We process payment to merchants for Mastercard and Visa. When a transaction is processed, the transaction is authorized, the data is captured, and the merchant is paid.

Commercial cards: They are corporate, purchasing, and business cards which Mastercard and Visa provides to certain card issuers. Businesses can use them as an alternative to purchase orders, using them to buy items such as office supplies and T&E. Commercial card holders receive the benefit of itemized records of purchases. This facilitates tracking expenses and getting reimbursed for expenses.

Private label cards: They are issued by certain merchant organizations as an incentive for merchants to purchase from their members. The cards carry the organization's name along with the issuer's insignia. Card holders are awarded for using the cards, receiving discounts, deferred payment, usage points and so on.
   What Will a Gateway Do for Me?
  Definition of Gateway: A Gateway is usually a third-party service that securely transmits web stores' payment to a payment processor. A third-party Gateway is not necessary for clients of e-onlinedata, since we offer our own secure Gateway for the benefit of our clients.

Your business needs a Gateway: Gateways benefit e-Commerce businesses in many ways. Gateways allow businesses to expand their potential by reaching new customers. Your sales will likely increase as a result of offering customers an easy, secure means of buying online. Also doing business online can be cheaper and more convenient than using a frame relay, dial-up, or leased line. In addition, Gateways allow you to review batches and exceptions as well as access your merchant account at any time you like.

No special equipment or extra telephone lines are necessary to use our e-onlinedata gateway: Only Internet access is required, and virtually all businesses already have that. The reason is that the gateway uses a Virtual Terminal interface that works with Internet browsers.

You can keep current on your account information and transactions: Operating a business can take up most of your days and nights. Therefore, we enable you to access information when it is convenient for you, whenever that may be. Our customer oriented attitude goes beyond that, though. We realize you may need customer support no matter what hour it is. Therefore you have access to Customer Support via a Virtual Terminal 24 hours per day, 7 days per week.

How to obtain interface information and register for the Gateway: You can do both by completing our online application.

The Virtual Terminal is for "key entered" or "card absent" transactions: It does not support "card swipe" transactions. It does support authorization, authorization and capture, refunds, and voids. Extended order data can be entered for reconciliation and tracking.

Using the Gateway involves no additional telecommunication costs: We securely transmit data over the Internet, so there are no additional telecommunication costs when data is transmitted over a leased line, frame relay, or dial-up. There are transaction and monthly fees for use of the service.

Transactions can be processed from many locations: Transactions can be processed from websites, mail-order departments, and call centers--any "card absent" channel. Simply integrate your order processing with our specifications.

The Gateway offers fraud detection: Our systems offer fraud detection including AVS (Address Verification System) and CVV2 (Card Verification Value) services.
   What Will a Virtual Terminal Do for Me?
  Definition of Virtual Terminal: It processes much like a physical terminal, since it is a point-of-sale terminal on which transactions are keyed in. It has a broad array of features and requires only a PC with an Internet connection and web browser.

The Authorize.Net Virtual Terminal is a secure, browser-based interface that enables businesses to authorize, process and manage credit card transactions from any computer that has an Internet connection and a Web browser. Virtual Terminal replaces standard authorization terminals or software, and provides the best solution for merchants who manually enter credit card transactions for mail or phone order sales.

Virtual Terminal suits businesses of all sizes because it reduces the complexity and expense normally associated with authorizing and processing credit card transactions. It's also much faster than standard dial-up authorization systems.

Businesses with an Authorize.Net account may access the Virtual Terminal through the Authorize.Net Web site using any Web browser. After logging into their Authorize.Net account using a unique user ID and a password, merchants can access the complete range of Authorize.Net services -- authorizations for purchases, credits and returns, status and activity reports, and much more.

To authorize credit card transactions, the merchant must complete an electronic form that provides the Authorize.Net system with the information it needs to complete the transaction. This information is encrypted using the latest 40 or 128-bit Secure Socket Layer (SSL) 3.0 technology and is sent to an Authorize.Net host server. The server then sends the data through the authorization network to the appropriate card issuer's bank using a secure, proprietary connection. When the process is complete -- this usually takes around three seconds -- the merchant receives an authorization number, and the Authorize.Net server stores the transaction. Transactions are automatically settled each day and are typically funded within two to three business days.

Merchants can also check the status of transactions and run a variety of reports right from the Authorize.Net Merchant Interface.
   Does this merchant account allow annual billing?
  No annual billing
   Are funds deposited into merchant's current business checking account or is he required to open an account with the bank providing the merchant account?
  Current business checking account
    What is the bank provifing the merchant account?
  Quad City Bank, Bentendorf Iowa
   Is there a contract for a certain amount of time?
  One Year
   Are the rates being offerred guaranteed for the term of the contract?
  Yes, except if V/MC Interchange increases then it will be a increase a pass through

Billing Information

   What are the Startup Fees?
  There are NO Set up fees for your Merchant Account, Payment Gateway and eCheck Account
   How Much are the Monthly Fees?
  $10 monthly statement fee $10 monthly Authorize.Net gateway fee $25.00 Monthly Minimum Discount Fee
   What are the Transaction/Discount Fees?
  2.15% Discount Rate + 25 cents per transaction for V/MC eCheck 1% Discount Rate + 25 cents per transaction $0.05 cent Authorize.Net per transaction fee
   Is there a contract for a certain amount of time?
  One Year
   Are there any fees for terminating the contract early?
    Are there any fees for not renewing the contract when it expires?
   What are the fees for chargebacks?


   What is a chargeback?
  When a credit card transaction is disputed (either at the request of the Cardholder or by a card Issuer), the dispute is handled through a chargeback. A chargeback will cause the amount of the original sale and a chargeback fee to be deducted from the checking or savings account you provided in the Online Seller Enrollment Application.
   What is a retrieval request?
  A retrieval request occurs when your customer requests more information about a transaction that appears on his or her credit card statement.
   How does a retrieval request occur?
  A customer contacts his or her credit card issuer to initiate the request.
   Are any funds deducted from my bank account as a result of a retrieval request?
  No, a retrieval request is just a request for information. The amount of a retrieval request is not deducted from your bank account.
   What are some of the reasons for chargebacks?
  Some of the reasons for chargebacks include: • Merchandise is damaged in transit and arrives broken • A Cardholder returns the merchandise but has not received a refund • Fraud screening • Fraud management • Seller acceptance • Support services • A Cardholder disputes a transaction as an fraudulent use of their card.
   What should I do if I receive a chargeback?
  If you receive a chargeback, read the chargeback carefully and see if you are able to provide the requested information. For example, for a "credit not issued" chargeback, the cardholder is stating they are entitled to a refund, but have not received one. In this case, if you receive a "credit not issued" chargeback but have already sent a refund check to the customer, you can provide a copy of the front and back of the cancelled check.
   How do I manage chargebacks?
  To ensure safe receipt of merchandise, use a form of shipping that provides proof of delivery. For higher ticket items, require a signature for delivery. If a buyer contacts you with a complaint about a purchase, work with that buyer to resolve the dispute. If you can't resolve the dispute to their satisfaction, instruct the buyer how to return the merchandise and what form of shipping they should use. Once the merchandise has been returned to you, issue a credit to the same credit card used to make the purchase. Pay attention to the AVS (address verification service) response received. Don't accept numbers and information that doesn't match and use common sense in shipping to an address other than the buyer's billing address. International purchases involve a higher risk, in part because address verification is only available for US transactions. Here are some terms you should become familiar with and some simple tips you can use to manage chargebacks. Terms: • Chargeback The return of a sale that has previously been charged to an Issuer and subsequently to its Cardholder. • Re-presentment The re-submission by an Acquirer of a previously charged back sale in an attempt to re-charge the Cardholder. chargebacksly requires some form of additional documentation confirming the validity of the charge and disputing the chargeback reason. • Proof of delivery A delivery receipt signed by the cardholder or a carrier's confirmation that the merchandise was delivered to the correct address.
  For more information, contact us at 1-866-440-3838 or We're confident that you'll find our web hosting services and support to be first rate.

[ Home | About | Shared Hosting | Reseller | Dedicated ServersSite Map | Order ]

© 2003-2004 and/or its suppliers. 
All rights reserved. Terms of Use.