FAQ/Help


Click Question to View Answer

Q: How does your program compare to what my local bank or other Merchant Account providers may offer?

Q: How much can I expect to save with the CISCA program?

Q: Does the amount of processing I do affect the rate I receive?

Q: Are there monthly minimums with the discounted CISCA merchant account program or electronic check service (ACH)?

Q: How are the processing fees paid/deducted?

Q: How can I keep track of the fees I am paying monthly and how can I reconcile my merchant account activity with my checking account?

Q: What credit cards can I accept through the program?

Q: Can I start out accepting Visa, MasterCard and Discover only and add other cards at a later date?

Q: Are there any requirements for me to participate in the program?

Q: How long does it take to get a merchant account and start accepting credit cards from my customers?

Q: How long does it take for me to receive the funds after performing a transaction?

Q:  What are my up-front costs to establish a merchant account?

Q: I already have a credit card terminal.  Can I use it and not have to buy anything?

Q: I have been told by my current provider that my existing credit card terminal is not compliant and I need to purchase a new one.  Would this be the same case with you?

Q: I have never accepted credit cards before.  Which is the best processing option for me?

Q: How does your program compare to what my local bank or other Merchant Account providers may offer?
A:
The CISCA Merchant Account Program has a low discounted group rate and no monthly minimums.  This is only made possible because of the large processing volume Access Group Processing (AGP) receives collectively from all of the participating association Members.  The processing volume of most CISCA members may be almost inconsequential to a processor.  The large collective volume from the association Membership also allows us to waive the customary monthly minimum fee that almost all other merchant account programs have.

Q: How much can I expect to save with the CISCA program?
A.
The overall resulting processing costs with the CISCA program are typically 1/3 less than other providerís programs. But we also have members that are saving as much as 50%.

Q: Does the amount of processing I do affect the rate I receive?
A:
No, even if you have a very small credit card volume, you still get the special CISCA Group rate that is already discounted for the massive, collective association volume.

Q: Are there monthly minimums with the discounted CISCA merchant account program or electronic check service (ACH)?
A:
No, there are no monthly minimums associated with the group discounted CISCA merchant account program or the electronic check service (ACH).

Q: How are the processing fees paid/deducted?
A:
The qualified discount for each transaction is removed before the transaction is deposited into your bank account.  All other discounts and fees due (transaction, statement, gateway, etc.) are electronically withdrawn from your checking account at the end of each month.

Q: How can I keep track of the fees I am paying monthly and how can I reconcile my merchant account activity with my checking account?
A:
You have access to online reports.

Q: What credit cards can I accept through the program?
A:
You can accept any of the major credit-cards including, but not limited to: Visa, MasterCard, American Express, and Discover.  However, the transaction rates and transaction fees for American Express are ultimately established individually by American Express.  

Q: Can I start out accepting Visa, MasterCard, and Discover only and add other cards at a later date? A: Absolutely, but keep in mind it will take a couple of days to set up additional cards.  We set up all new clients with Visa, Mastercard, and Discover.

Q: Are there any requirements for me to participate in the program?
A:
The only requirement for participation is that you must be a member of CISCA.

Q: How long does it take to get a merchant account and start accepting credit cards from my customers?
A:
It usually only takes a total of 2 to 3 business days from the time we receive your completed faxed or online application until you can begin accepting credit cards. 

Q: How long does it take for me to receive the funds after performing a transaction?
A:
Visa, MasterCard and Discover funds are typically electronically deposited into your checking account within 24-48 hours.  All other cards can be up to 72 hours.  

Q:  What are my up-front costs to establish a merchant account?
A: 
There are no application fees or other upfront costs for establishing a merchant account.  However, there are additional costs associated with the various electronic mode of submitting your credit-card transaction activity to us for authorization and payment.  There is a $99 annual fee and a $15 monthly fee for the Virtual Terminal/eCommerce gateways.  Additionally, for those members that need to conduct face-to-face credit card sales there are numerous "swipe" terminals and wireless devices available.

Q: I already have a credit card terminal.  Can I use it and not have to buy anything?
A:
Most terminals are compatible and can be reprogrammed.  If you provide the make and model, we can confirm its compatibility.  If compatible, you would not need to purchase any additional processing solutions.  The only cost you would incur is a one-time $50.00 charge for reprogramming your terminal.

Q: I have been told by my current provider that my existing credit card terminal is not compliant and I need to purchase a new one.  Would this be the same case with you?
A:
In most cases, your terminal can be reprogrammed to meet current processing requirements.  There are some older terminals that do not meet current PCI guidelines and will need to be upgraded.  Unfortunately, current PCI compliance issues are sometimes used as a means for providers to sell additional, unnecessary, expensive equipment.  Call one of the knowledgeable AGP sales representatives to find out if your device is still reprogrammable.

Q: I have never accepted credit cards before.  Which is the best processing option for me?
A:
Since most CISCA members do not sell in a retail, face-to-face storefront setting, the typical "swipe" terminal you find in stores is not the best processing option for the typical CISCA merchant.  Since your transactions are generally going to be key entered instead of "swiped",  a web-based processing solution is the most practical solution.   The Internet based processing solution called a Virtual Terminal/eCommerce Gateway.  The Gateway allows you to process from any computer that has Internet access, built-in ability to process website eCommerce sales in real-time and an automated e-mail credit card receipt option.

Click here for a Free No Obligation Savings Comparison

  †