FAQ's

Our professional team is only a phone call away!

Let us help you answer some of your questions

Please give Accept Credit Cards a call and speak with an experience professional if you have any questions at 800-476-5020.

Submit Your Question
Common Questions and Answers

++Do I really need to upgrade to an EMV (smart-chip) compatible machine?

Due to EMV compliance and liability reasons, you should upgrade to readers that can process chip debit and credit cards. The liability shift took place in October 2015, which means that now merchants can be deemed liable in a fraud issue if they are not compliant. Compliance involves more than simply having a chip reader, but that is one part of it. Most EMV card readers also include a magnetic card reader as well to accommodate your customers who do not have chip cards yet.

++Why do I have to complete a PCI Compliance SAQ and/or scan every year?

PCI DSS stands for Payment Card Industry Data Security Standard. This standard is a wide-ranging set of requirements for enhancing payment account data security. It was developed by the PCI Security Standards Council, founded by the major credit card associations: American Express, Discover Financial Services, JCB International, MasterCard Worldwide and Visa Inc. These comprehensive requirements are intended to help prevent credit card fraud, identity theft, hacking and various other security vulnerabilities and threats.

All companies processing, storing, or transmitting payment card data must be PCI DSS compliant. Non-compliant companies who accept credit cards risk losing their ability to process credit card payments and being audited and/or fined. The theft of a small amount of cardholder data can cost merchants tens of thousands of dollars in fines, assessments, audit fees and remediation expenses. Those costs don’t even factor in the damage to your company’s reputation and brand image.  Simply put, a security breach could put you out of business.

Every business that processes payment card transactions must validate their PCI compliance annually. This validation must be conducted by certified auditors (PCI DSS Qualified Security Assessors, or QSAs). However, instead of an expensive and time consuming onsite audit, the PCI DSS affords most of our customers the option to complete a brief Self-Assessment Questionnaire (SAQ) and simply have it validated by a QSA. Accept Credit Cards at Electronic Merchant Systems Inc has partnered with an industry leading Qualified Security Assessor to provide this important service to our valued customers for FREE!

To learn more about PCI Compliance go to:  http://www.pcifree.com/

++Why are keyed in card sales more expensive than swiped sales?

The credit card brands typically charge businesses less money for swiped transactions than keyed transactions. The perceived risk of fraud causes the higher fees, as fraudulent transactions often result in a charge back to the credit card company

++When does my business receive the funds from the sales processed?

As long as the sales are batched before 7pm EST, all sales are funded to the business checking account the next business day.

++Do you provide customer service when needed for my account?

Our customer service is available 7 days a week for all of our merchants. Merchants can call 800-476-5020 or email customerservice@elect-mer.com when they need assistance.

Send us Your Questions

We can add an answer to your question. Click the button below to email us your comments.
Add Your Question

Email Sign-Up

Signup and receive special promotions and product updates