1.800.818.0420
1.800.818.0421

Frequently Asked Questions

Opening your Merchant Services Account (16)

We accept retail, professional service providers, trade shows, mail order, telephone order, Internet based, and home-based businesses. We do not accept adult-related businesses.

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You do not necessarily need a business license, although it is a document that would satisfy the Premises Inspection Requirement. You do not need to have a business license if you can provide a different acceptable core documentation item that is required. These items vary depending upon the level of risk associated with your business.

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You only need a business checking account if your business is set up as a corporation. If it is a sole proprietorship, you may use a personal checking account or a business checking account.

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Data One can set you up so that you can accept MasterCard, Visa, American Express, Discover as well as bank ATM debit cards.

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Just fill out the free merchant account application. It should take you less than 10 minutes to complete the application process.

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Once your application is complete, the processing time is usually 48 hours or less, especially if we receive your application before noon MT. If approved, we will promptly inform you of your acceptance and deliver the terminal equipment or software.

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Technically, your personal credit score does not affect your merchant account rates. However, if you have a low credit score there is the possibility that you may not be eligible. We can sometimes approve a merchant account application despite a low personal credit score by putting other stipulations in place.

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Yes, we can accept temporary websites, something very basic that shows product and pricing. It does not have to be live to the public, but it should show enough to give us a sense of what you are selling and for how much.

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Yes! Data One offers mobile processing solutions that turn your smartphone or tablet into a credit card terminal and much more. These app-based options let you deliver your products or services directly to your customers in the field or at your place of business. Gain real-time access to all of your payments, add inventory information to your system directly at the point of sale, and more with one of our robust mobile solutions.

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Once Data One receives authorization for a transaction, we pass it along to you so you can complete the sale and issue a receipt to the cardholder. The card issuer bills the cardholder’s account and pays Data One, and we in turn deposit the transaction proceeds into the your merchant account, typically within twelve (12) hours.

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Yes! Our U.S.-based customer support team is always available. You will have live, toll-free merchant assistance by calling 1.800.818.0420.

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Yes, a statement is mailed to you every month.

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No. We do not process for merchants outside the United States.

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The discount rate is the fee that a merchant pays to the acquirer for processing services that enable the merchant to accept bankcards as payment. Our discount rates are extremely competitive.

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If you sell mail order/telephone order, or through the Internet, you don’t want to send a product to a false address and have a risk of receiving a chargeback. The Address Verification System (AVS) lets you enter the customer’s home address and compares it to the address on file with their credit card company. If someone uses a stolen card, and wants products shipped to a false address, AVS will help detect this for you.

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Your Merchant Services Account (5)

All fees are deducted between the 1st and the 3rd of each month. These fees will be debited from the bank account on file.

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Account access is available online. This will allow you to view batches, deposits and statements. Please email Support@DataOneMS.com to request online access.

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If you are utilizing the online portal eMerchantView or Portfolio Manager your statement will be available on the 1st or 2nd of each month. Your statements are mailed the first week of each month. Both coincide with each other each month. You cannot view a statement before the months end, as all fees and processing varies due to the card types accepted.

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If you have a separate business account with American Express they will charge and deposit you separately. We do have a program available called American Express Opt Blue that will combine those charges and credits with Visa, Master Card and Discover. Most businesses that process volumes below $500,000 a year in American Express alone qualify for this program with First Data.

Authorize.net does have fees associates with access as well. There will be charges each month depending on the amount of processing you submit through the gateway. There is a small monthly fee to utilize the gateway.

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American Express created a unique program with Data One to offer small to medium-sized merchants a cost-effective and all-in-one solution that provides the convenience of a single source for statements, settlement, and customer service for all major card brands.

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Changes in Business (4)

You would send your EIN (from the IRS) number with the name change form to us here Support@DataOneMS.com Once we can verify with the IRS we would then update your account.

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The new business owner would apply for merchant services under their name with us here Sales@DataOneMS.com Once this is approved, the business owner activates their new account and may begin processing under their MID. At this point, the existing MID would be closed.

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You can call our support team 1-800-818-0420 and they will walk you through that process (in most cases this is completed in 10 minutes or less).

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To update to a new bank account, a form would be emailed or faxed to you. Once complete, the merchant would send over a copy of a voided check or bank letter and fax or email it back to us along with the completed form. We would then process your request and update your new banking. During this process Do Not Close your Prior Bank Account until this has completed.

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Equipment, Terminals, and Gateways (6)

FOR NEW ACCOUNTS: If you were just approved for processing, you will be contacted by someone in the tech dept. to reprogram your terminal.
FOR EXISTING MERCHANTS: If your terminal has lost programming you can contact the Help Desk @ 1-800-228-0210 OPT 2 They will trouble shoot the issue and build a NEW file if needed and download it. If they say the issue is the terminal in not good any more please contact 1-800-818-0420 Ext 1 between the hours of 10am – 7pm EST.

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All terminals shipped from our office have instruction Manuals shipped with it. If, however, none was provided, there are 2 options.

1. Call the Help Desk @ 800-228-0210 opt2 and they will be very happy to walk you thru any process you need to perform on the terminal

2. You can send an e-mail : Equipment@DataOneMS.com Include the name of your business and Merchant ID# Then request an instruction manual for your terminal type.

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For online gateways, ALL Merchant accounts will receive an e-mail with a link for their online gateway. With additional e-mails sent from the office with assistance numbers and contacts.

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You can contact the office or the gateway help desk who’s numbers were provided in the initial Welcome set up e-mails.

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Different terminals and POS Systems have different procedures. If you are unsure you can check your instruction manual. It is best, if you are not sure, to contact the Help Desk@ 1-800-228-0210 opt 2 and have them walk you thru the process to be sure it is batched properly.

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If your terminal is malfunctioning, it is best to contact the Help Desk 1-800-228-0210 opt 2 This way they can troubleshoot the issue and if it is fixable that will be done. If not, and the terminal needs to be replaced, we know that there is a record of the issue through the help desk.

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Regulations (2)

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. Essentially any merchant that has a Merchant ID (MID).

The Payment Card Industry Security Standards Council (PCI SSC) was launched on September 7, 2006 to manage the ongoing evolution of the Payment Card Industry (PCI) security standards with focus on improving payment account security throughout the transaction process. The PCI DSS is administered and managed by the PCI SSC (www.pcisecuritystandards.org), an independent body that was created by the major payment card brands (Visa, MasterCard, American Express, Discover and JCB.).

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It’s a global payment standard that provides a consistent cardholder experience worldwide—designed to greatly reduce the chances you’ll receive a counterfeit payment card at your place of business. EMV-enabled cards contain a computer chip that is activated and read when inserted in the card reader or tapped for contactless acceptance.

Come October 1, 2015, you could be liable for chargebacks resulting from acceptance of lost, stolen or counterfeit cards. Generally, liability for these chargebacks will shift to the party using the least secure technology. If you do not have an EMV terminal installed and working, that could be you!

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