The account underneath the register.
Not every question is a point of sale question. This is where the merchant account itself lives: how you get funded, what you are charged, how you stay compliant, and how you take a payment when there is no terminal in front of you.
Covers
Terminals, gateways, and virtual terminals
Also covers
Deposits, statements, and compliance
Typical fix
Same business day
Terminals and gateways
Standalone hardware and online acceptance.
- Standalone credit card terminals. Setup, reprogramming, connectivity, and end of day settlement.
- Virtual terminals. Taking a payment by phone or by keyed entry when the customer is not in front of you.
- Payment gateways and online checkout. Credentials, test transactions, and declined-transaction troubleshooting.
- Invoicing and payment links. Sending a request for payment and tracking what has been paid.
- Recurring billing. Setting up subscriptions and handling expired cards on file.
Deposits, fees, and statements
Where the money goes and what it costs.
- Deposits are late or missing. Confirming the batch settled and tracing the transfer to your bank.
- Changing your deposit bank account. What we need from you and how long the change takes to take effect.
- Reading your monthly statement. Interchange, assessments, and processor fees explained line by line.
- Surcharge, cash discount, and dual pricing programs. Confirming your program is set up and disclosed correctly.
- Rate questions. We route these to your account team so you get a real answer rather than a guess.
Compliance, risk, and account changes
The paperwork side of accepting cards.
- PCI compliance. Completing the self-assessment questionnaire and clearing non-compliance charges.
- Chargebacks and disputes. Understanding the reason code, gathering evidence, and hitting the response deadline.
- Holds, reserves, and risk reviews. What triggered it, what documents are needed, and where the case stands.
- Ownership, address, and legal name changes. The forms required and what has to be resubmitted for underwriting.
- Adding a location or a second MID. What changes and what carries over.
What we escalate, and to whom
Some things are ours to fix and some belong to the processor or the manufacturer. We stay on the ticket either way, so you are not the one chasing it.
- Underwriting decisions and account closures are made by the processor and the sponsor bank, not by us. We advocate and keep you informed.
- Chargeback outcomes are decided by the issuing bank. Our job is making sure your response is complete and on time.
- Bank-side deposit delays are between your bank and the ACH network once funds have left the processor. We provide the trace details.
- New equipment, added services, and pricing go to your SmarterSwipe account team.
Need a hand with this?
Open a support request and we will get back to you the same business day. If your business cannot take payments right now, calling is faster than typing.