Other E-commerce Solutions Frequently Asked Questions

Electronic gift certificates work in the same fashion as paper ones except you use these to shop online. For more information and to locate a company that can hook you up to offer gift certificates, click here.

What is check guarantee/verification?

Check guarantee is a program in which you are guaranteed to be paid on your checks. There's no need to worry about accepting checks or collection on returned checks. Usually, the cost for this solution is about the same as credit card acceptance, however, some may offer it for a lower price. Check with your Merchant Account Provider for further details. Click here to view more detailed information

What is checks by phone/fax/e-mail?

Checks by phone/fax/e-mail is a GREAT alternative solution to credit card acceptance which allows you to collect payment via check over the phone, by fax, and even off your order form on your web site. Click here to view more detailed information

What is debit card processing?

Debit card processing is almost like accepting credit cards except for the fact that your using a debit card to process an order. Click here to view more detailed information

What is Electronic Funds Transfer (EFT)?

EFT is a method for transferring money automatically by using the facilities of the Automated Clearing House (ACH), an entity associated with the Federal Reserve Banks. EFT is the only system by which a merchant can initiate a transaction to collect money from the bank account of a customer located anywhere in the USA. In addition, it can be used to transfer money outwardly to pay bills.

One of its most important functions in collecting money from customers is the money is automatically transferred on the DUE DATE as CASH, not uncollected funds. The cost of collection via EFT is less than the cost of conventional methods of bill collecting, using statements, mail, postage, employee costs, etc. EFT costs are based on the number of transactions, regardless of the dollar size, and this cost with very large volume is negotiable. In conjunction with lower per transaction costs, there are lower charges for a bounced check. Click here to view more detailed information

What is Electronic Benefits Transfer (EBT)?

Grocery shopping is one of the most widely performed activities around the world. If you are food merchant, you probably know that not everyone pays for their food with cash or credit cards, but many use food stamps as well. Now that paper is becoming a less and less common form of the food stamp. Many purchases are made with the use of a single card called Electronic Benefits Transfer card. Click here to view more detailed information

What is SSL secure order protection? Why is it required?

Secure order protection is commonly known as SSL (Secure Socket Layers), secure certificate, etc. This solution is a MUST for all Internet-based businesses who are going to be using the real-time credit card processing method. Securing your order form acts as a barrier to eliminate hackers from accessing your customers important personal information, like credit card numbers, social security numbers, etc.

NOTE: Check with your Merchant Account Provider to see if SSL secure protection is included with their real-time processing solution. In many cases, it is, thus saving you money and time from having to purchase your own secure certificate from a separate company. Click here to view more detailed information

What is a shopping cart? Do I need one?

If you're an Internet merchant, then having a shopping cart solution is an absolute MUST. Especially, if you sell more than one product or service. A shopping cart has some other great benefits like automatic shipping cost information provided to the customer, automatic tax cost inclusion, shipment tracking, etc.

NOTE: If you already have a shopping cart solution you'd like to use be sure to check with your Merchant Account Provider to see if their real-time solution can support it. Click here to view more detailed information

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