FAQS

Credit Cards Direct, Inc. offers a wide variety of training, including credit card terminal, reprogramming, and merchant portal training to better assist our merchants. We are here to support you and make sure you are fully educated and trained.

A chargeback is a transaction that is disputed by the cardholder or the cardholder's issuing institution. It can occur when proper card acceptance and authorization procedures are not followed. When a merchant receives a chargeback, their deposit account will be debited for the indicated amount. The merchant may incur an additional fee if he or she failed to follow card acceptance and authorization procedures.

Credit Cards Direct, Inc. recommends that you batch your transactions every day.

It is a personal preference but the choice could ultimately depend on what type of processing hardware you’re using. 

If you opt to use a telephone line, be sure to have a dedicated landline because things like call waiting and other incoming calls can interrupt, or cancel a transaction. Most businesses don’t need to dedicate a landline for their terminals as they prefer using an internet-connected terminal to enable faster transactions.

NFCcontactless transactions (ApplePay, Google Pay, Samsung Pay, etc.) allow two equipped devices that are placed near each other to exchange bits of data. For this to work, both devices need an NFC chip. These transactions are safe because they create unique digital signatures.

A financial institution that maintains the merchant credit card processing relationship and receives all transactions from the merchant to be distributed to the card member banks is an acquirer. An issuer is a financial institution that issued the credit card to an individual or business.

We offer next-day funding (except on banking holidays) with cut times as late as 12am ET to qualified accounts.

Most merchants qualify for our month-to-month service agreements. For the rest, a standard Credit Cards Direct, Inc. service agreement (typically 3 years) will apply.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that companies who process, store, or transmit credit card information maintain a secure environment.

The Annual PCI Service Fee is assessed by our processing banks to mitigate the costs associated with maintaining compliance, updating terminal software, and replacing non-compliant hardware.

PCI compliance is required for anyone who accepts, stores, or transmits payment card information. The PCI mandate is part of the major brands' operating regulations under which businesses or individuals are allowed to operate merchant accounts and accept cards. The terms and conditions you sign when you open an account with us state that the card brands' operating regulations must be adhered to. 

A written request to update your high-ticket amount is needed. Please e-mail your request to: info@creditcardsdirectinc.com, Inc. Additional information may be requested after review of your letter.

No, Credit Cards Direct, Inc. is a multifaceted payment solutions provider. As a credit card processor, CCD and it’s processors process more than $45 billion in credit card transactions each year for hundreds of thousands of satisfied merchants.

Credit Cards Direct Inc and its processing banks are capable of working on most all POS systems.

Not necessarily. Unless the existing equipment you have is either non-PCI or EMV compliant or proprietary equipment, then you would need to replace it and buy new equipment from us.

Yes we do, we sell almost all credit card processing terminals available today. Contact your sales rep to inquire upon which POS systems that Credit Cards Direct, Inc. provides.