Merchant Services

FAQ's

How will my business benefit by processing credit cards?
What phone number can I call if I need help or want to get started?
Can I get an account if I have less than perfect credit?
How do I apply for a merchant account?
What is the cost of a merchant account?
Can I process credit cards in "real-time" through my web site?
What is transaction authorization and how does it differ from processing and settlement?
What does the term non-bankcard mean?
How do I get a voice authorization?
How do I change my bank account information?
I would like to cancel or pay off the lease of my equipment. How do I go about doing this?
I am getting billed with surcharges on my statements. What are these fees and how can I eliminate them?
How can I trouble shoot my terminal?

How will my business benefit by processing credit cards?

A merchant account will allow you to:

• Improve your customer service. With credit cards you give your customers a wider range of payment options.
• Increase sales. Additional payment options increase both your total revenue and the size of individual sales.
• Improve your cash flow. Electronic funds transfer means you get your money faster.
• Reduce risk. Unlike personal checks, electronic payment options won't be returned NSF. You also reduce the amount of cash kept in your store.
• Increase productivity and record keeping. Electronic payments mean faster tallies at the end of the day and easier trips to the bank.
• Increase your marketshare. Offering state of the art payment methods for your customers puts you ahead of the competition.

<-- Back to Questions

What phone number can I call if I need help or want to get started?

Contact a merchant account representative at (800) CARDSWIPE 24 hours, 7 days a week.

<-- Back to Questions

Can I get an account if I have less than perfect credit?

EVO's approval rate is 98%, so even if you have bad credit you are likely to get approved.

<-- Back to Questions

How do I apply for a merchant account?

Call a merchant services representative at (800) CARDSWIPE or click here to complete our simple online merchant account inquiry form. Simply fill out and submit the online form, and we will contact you as soon as we receive it.

<-- Back to Questions

What is the cost of a merchant account?

A variety of services are available to merchants depending on their type of business and the volume of transactions submitted on a monthly basis. In order to determine the best solution and pricing, please contact a merchant account representative at (800) CARDSWIPE.

<-- Back to Questions

Can I process credit cards in "real-time" through my web site?

Yes, we provide real-time processing capability standard with all of our e-commerce web site packages. Call (800) CARDSWIPE.

<-- Back to Questions

What is transaction authorization and how does it differ from processing and settlement?

Authorization involves communication between the card issuing bank and the merchants bank verifying that the cardholder has available credit or funds to cover the transaction. The card-issuing bank puts those funds on hold and assigns an authorization code to the transaction. Processing refers to the transaction workflow and how each party involved receives the data. Settlement refers to the final accounting stage in which the transaction posts to the appropriate accounts at the card issuer and the acquiring bank.

<-- Back to Questions

What does the term non-bankcard mean?

Non-Bankcard transactions refer to transactions from American Express, Discover, Diners or JCB credit cards.

<-- Back to Questions

How do I get a voice authorization?

To obtain a voice authorization over the telephone, you can call (800) 944-1111. Enter Bank ID # 067600

<-- Back to Questions

How do I change my bank account information?

To change your checking account information, you can fax us either a pre-printed voided check along with your merchant ID# and signature, or a bank letter on bank letterhead with the new account information, along with your merchant ID# and signature. This can be faxed to customer service at 516-750-0253. If you accept American Express and/or Discover, you will need to contact them directly to update your account information with them.

<-- Back to Questions

I would like to cancel or pay off the lease of my equipment. How do I go about doing this?

You will need to contact your leasing company directly. EVO does not lease equipment and we have no control over leasing contracts with outside organizations. If you are unsure of whom your leasing company is, you can review your checking account statement for the name of the company.

<-- Back to Questions

I am getting billed with surcharges on my statements. What are these fees and how can I eliminate them?

Surcharges are assessed by Visa and MasterCard on certain card types. These include Visa Signature Cards, MasterCard World Cards, Visa and MasterCard Commercial Cards (business cards). Unfortunately, these cards are more costly to maintain and therefore are subject to higher fees. You cannot refuse to accept certain card types because of the higher costs associated with them. Once you sign an agreement to accept Visa and MasterCard, you must accept all cards with the Visa/MasterCard logo.

<-- Back to Questions

How can I trouble shoot my terminal?

Choose your problem from the five most common problem sets below and check to see if you have tried each of the solutions listed. If you cannot find the solution here call our customer service help desk at (800) CARDSWIPE

No Power?

• Check that you are using the correct power cord
• Unplug your power cord and plug back in
• Try a different outlet
• Feel the back of terminal where power supply connects for warmth. If you have warmth, you have power and the issue may be elsewhere in the hardware.

Are you having trouble reading cards?

• Try another card
• Perform Card Read Test
• Unplug power and/or reset terminal
• Clean the card swipe
• Re-download the unit

Are you having a problem with debit?

• Check that the key is working in terminal
• Check master key location
• Reset terminal
• Check encrypted working key sticker
• Call tech support to check CAS

Modem / Communication Problem?

• Test line with different phone
• Check for rollover system
• Check for splitter
• Try re-downloading
• Check terminal for a "9"
• Check authorization & settlement phone #'s
• Boot level (hypercom)-Check 0-Bell =00

Printer Problem?

• Check printer for solid light
• Check cable between printer & terminal
• Try different outlet
• Are you printing on correct side of paper?
• Printer test (hold paper feed, unplug power)
• Go into boot level (if applicable) and confirm that printer is set for 01
• Disconnect printer & re-download machine

<-- Back to Questions

EVO is a registered servicemark® of Merchant Services Inc. All rights reserved. Phone: (800) CARD-SWIPE (800-227-3794) • Email EVO: custsupport.group@goevo.com • Legal Statements Privacy Policy EVO is a registered ISO and MSP of HSBC Bank, USA National Association, Buffalo, NY