Advantage setup

REMINDER: Although an authorization code is required on all transactions, it does not guarantee that it is a valid sale made by the legitimate cardholder! An authorization code means that the account is open and has the available credit at that time, but it is not a guarantee of payment. The following tips are intended to keep you from being the victim of fraud and will help you avoid chargebacks when conducting Card-Not- Present business. However, Merchant Services is not always able to prevent chargebacks affiliated with doing business in mail, phone or e-commerce environments.

Additionally, the following steps should be taken for every transaction:. Following these precautions can help to greatly reduce chargebacks and lower your risk of fraudulent charges.

If you have questions regarding this information, please contact Merchant Services Support. Interchange is the largest portion of your Discount Rate.

Interchange is the fee charged by the card issuer to reimburse them for the expense of processing the transaction through their settlement systems. The qualification requirements for each level vary depending on the card type consumer, business, purchasing, international, rewards, etc. Other fees that may apply include card not swiped, network, inbound and access charges billed by American Express to the processor.

American Express does not have or charge interchange. For retail merchants, the Discount Rate charged on your merchant statement assumes that qualification requirements are met. The requirements include:. When a card does not meet the requirements of the minimum Discount Rate criteria, it may be processed at a higher rate. Merchants that have a portion of their transactions qualifying as Non-Qual should make sure that they are:. Funding generally occurs anywhere from one to ve business days based on the time the batch is closed and the specific setup of your account.

If a PIN-based transaction is voided, the cardholder will not receive their money back because of the void. This does not apply to signature debit, only transactions in which a PIN number was entered.

If a PIN-based debit transaction has been inadvertently voided please contact technical support. Skip to Main Content. Home Revel University More.

Log in Account Management. How Can We Help? Search Search. Information Description. Integrated Revel Hardware Installation When you receive your hardware from Revel, you will need to set up you payment gateway as well as your card swipe devices.

Payment Terminal Installation Follow the corresponding setup steps for your terminal: Ingenico iPP Stationary Terminal: Double check the IP address was set on that device by looking at this sticker on the pinpad. This is important if you have multiple POS stations at your business.

Attach the ethernet and power cables to the corresponding ports on the splitter cable. Connect the power supply end of the splitter cable into the surge protector. Using the ethernet cable, connect the ethernet end of the splitter cable to your switch or router. Phone numbers you may need: Merchant Support: Digital vs.

Issues — Insecure data transfer with VoIP: VoIP service in lieu of an analog service line can leave transactions unsecured and vulnerable to fraudulent activity. Solutions Digital services, including VoIP, are cheaper alternatives to a dial-up business line, both in lower monthly fees and in the elimination of usage fees; and are attractive telecom solutions for small businesses.

Some solutions are: You may use your existing dial-up terminal with an analog dial line for secure point-to-point transaction processing. You may upgrade your device to an IP or dual communication terminal. What this means for merchants In order to comply with the mandate, we will need to have up-to-date records of your legal business name, address and taxpayer identification number TIN.

For example: We have assembled a team of professionals with expertise in tax regulations to ensure that necessary steps are taken by Merchant Services to comply with the mandate We have already begun submitting merchant information to the IRS via its secure electronic service If we currently do not have your updated information on file, we will contact you with instructions on how you can provide it to us If you have additional questions regarding this new regulation and how it may impact you and your business, please seek advice from your own tax professional.

Preventing Fraud and Avoiding Chargebacks Payment card processing has the potential to help you increase your revenue stream as well as offer more convenience to your customers.

Recognizing Fraudulent Behavior when Conducting Business Face to Face with Your Customer Certain customer behavior could point to payment card fraud, but remember, it does not necessarily indicate criminal activity. In particular, watch for customers who: Purchase several of the same items or purchase very expensive items and do not ask any questions about the items.

Purchase a lot of merchandise without regard to size, color or price. Try to distract or rush you during the sale. Make purchases, leave the store and return to make additional Purchases. Make purchases right at opening or at the last minute when the store is closing. Recognizing Fraudulent Behavior when Conducting Business via Telephone Orders, Mail Orders or Over the Internet with Your Customer Because the payment card and cardholder are not present, you, the merchant, often take the loss from a bad transaction.

In particular, watch for customers who: Place orders that are larger than normal when you are not familiar with the customer. Purchase several of the same item or very expensive items. Have orders shipped to the same address that were purchased on different cards. Place orders from Internet addresses using free e-mail services.

Charge transactions to account numbers that are sequential. Provide multiple card numbers from a single Internet address.

Charge multiple transactions to one card over a very short period of time. Avoiding Chargebacks and Dealing with Retrieval Requests A chargeback is the reversal of a sales transaction previously processed by your business. There are some basic steps you can take to prevent some of the most common errors that may result in unnecessary chargebacks: Receipts and Documentation Change printer cartridge routinely to avoid faded, barely visible ink on sales drafts.

Check readability of all sales drafts daily. Position company logo or marketing messages away from the transaction information, as these can make imaged sales draft copies illegible. Always use white non-patterned paper for transaction information, since colored or patterned paper can render an imaged document illegible.

Always provide documentation in original-size format. Change printer paper when colored streak indicates the end of the roll. The streak diminishes the legibility of transaction information.

Return policies must be disclosed on the sales draft in close proximity to the customer signature. Save all sales drafts for 18 months and store the sales draft in a secure place by payment card number and approximate transaction date only not by cardholder name. What You Can Do to Prevent Fraud and Chargebacks when Conducting Business Face-to-Face The following tips are intended to keep you from being the victim of fraud and will help you avoid chargebacks when conducting in-store transactions.

Never accept an expired payment card. Always inspect the card. Click on the downloaded file to start the Setup program. Click OK. Proceed through the setup windows to complete installation. Type a unique Data Source Name. This name is used by applications to reference the data source. Specify the Database or Data Dictionary path.

The EUACs will be the individuals at your organization who have the authority to designate authorized individuals Subscribers who will transact business via a FedLine Solution. When we receive the completed form, a credential will be issued to the EUAC. Your FedLine Implementation Team representative will be available to assist your organization in determining the appropriate connection options as well as any other necessary forms and agreements that need to be completed.

Your organization's designated EUAC or Technical Contact will receive, set up and install the hardware that was ordered. To determine which services and applications your organization may need and the corresponding Subscriber access levels, please review the Subscriber Access Level Descriptions.

The installation is complete when your organization can successfully access FedLine Advantage and you confirm access to appropriate Federal Reserve Bank Services.

Depending on the services your organization plans to use, application testing dates may need to be established and application testing may need to be conducted.