Q: How long does it take to set-up an
Using our secure and encrypted Digital Signature Application, we
approve the vast majority of our submitted applications in under 24-hours. The process is
1. We email you the application pre populated with your specific
2. Digitally sign the application using your computer´s mouse and
3. The application is then securely sent to our underwriting
department for review.
Q: How do I get
Credit card sales are deposited directly into your checking
Q: How long does it take for
the funds to be transferred to my account?
24-48 hours which is standard for all processors.
Q: Do I need a business
If your business operates as a corporation, yes, a business account
is required. If your business is a sole proprietorship or partnership, the only requirement is that
the individual or partners' name(s) must be on the check.
Q: When the
terminal/software dials out for approval, am I charged any long distance or communication
No, communication is all done on a toll free line.
Q: If I purchase equipment,
how is the terminal shipped?
You choose the desired shipping method.
Q: Will I have 24-hour
Absolutely. At S&S Bankcard Systems, providing quality support
for our customers is a top priority. Regardless of time zone, you will have 24-7 access to
Q: What if my terminal
S&S Bankcard Systems will replace malfunctioning equipment free
of charge. If it is determined that the terminal needs repairs, a replacement terminal will be sent
within 24-hours. The replacement terminal will be the same model as the terminal being replaced.
The terminal will be shipped to you programmed with your merchant account and ready for use. The
replacement terminal will have passed thorough diagnostic tests assuring reliability, and will also
carry a 6-month warranty. You only pay the shipping and handling charges. This charge will be
billed directly to your account. The terminal requiring repairs will not be returned.
Q: Do I need a dedicated
No. Terminals have dual phone jacks. This gives you the ability to
connect the terminal and other peripheral equipment (modem, phone, fax) to one line.
Q: Who installs the
We do not use outside sales' representatives. By doing this we can
greatly reduce the price you, the merchant, must pay. The terminal installation process is very
simple. You also receive toll free assistance and instructions
Q: Do I receive
When you receive the terminal you will find diagramed directions and
the 800 number to our merchant training center. You will receive step by step instructions to give
you the desired comfort level.
Q: How do I sign up for
American Express and Discover Card?
American Express (no set up
We will send you an application form for American Express unless
otherwise requested. American Express requires separate approval. Upon approval, we will internally
activate the account. All you do is sign the forms. The rates will vary depending on business type
and average sale amount.
The following is the rate range you can expect. (Rates and fees
for American Express are subject to change).
Retail - Average sale $150 or less = 3.25%
Average sale $150-249 = 3.10%
Average sale $250+ = 2.95%
Internet/Mail/Telephone order - $0- $4,999 total annual volume =
$5.00 per month, flat fee.
$5,000 or higher annually volume = 3.5%
Discover Card (no set up
We will forward your request directly to Discover. A Discover
representative will contact you and discuss their program. Once a merchant number has been issued
by Discover, we will add it to your file.