Q: How does your program compare to what my local bank or other
Merchant Account providers may offer? 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
Q: How much can I expect to save with the
CISCA program? 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? 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.
there monthly minimums with the discounted CISCA merchant account
program or electronic check service (ACH)?
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? 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 are electronically withdrawn from your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? You have access to online reports.
Q: What credit cards can I accept through the program? 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? The only requirement for participation is that you must be a member of
Q: How long does it take to get a merchant account and start accepting
credit cards from my customers? 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? 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
Q: What are my up-front costs to establish a merchant account?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? 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? 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? 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.
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