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Frequently Asked Questions and Answers

What do I need to do to open a merchant account?
It’s a simple process. We provide you with merchant application/agreement that you need to fill out and sign. Let us know where you would like to have your funds deposited, and supply us with a voided check. If you’re an internet merchant, give us a website address. That’s all there is to it!

Do I need a business checking account?
If your business operates as a corporation, then you need a business checking account. If your business operates as a sole proprietorship or a partnership, then your merchant account can be a personal checking account.

How long does the approval process take?
We can approve your account within 24 hours, once we’ve received all the necessary paperwork.

What if I have less than perfect credit?
Even if you have bad credit you are likely to get approved. Thanks to our highly effective chargeback and fraud department, our approval rate is 99%.

How do I apply?
Fill out our free online merchant account application or call us toll free at 1-866-377-2292 and someone will contact you right away.

What credit cards will I be able to accept?
Your business will be able to accept MasterCard, Visa, American Express, Discover and all bank ATM debit cards when you set up a merchant account with Ensight Merchant Services.

Is there a customer service phone number that I can call if I need help?
Yes. 24-hours a day, 7 days a week, you will have access to a toll free 1-800 number.

How do I receive my money?
Within 24-36 hours of the sale, your money will be deposited directly into your merchant account.

Will I receive a monthly statement?
Yes. Every month we’ll mail you a statement with detailed information on all deposits into your account, your total sales volume, and charges.

In addition, our free live online reporting feature lets you access your account daily over the Internet.

Can I access my account daily online?
Yes, you can access your account daily through Merchant Logic. You can see live, detailed information on your account balance, total sales volume, and charges. Because this feature is a part of your Ensight Merchant Services package, there is never any cost to access this critical data.

Do I receive any training on the equipment or software?
Yes you do. Training is an integral part of our service. This is one of the many ways that Ensight Merchant Services goes the extra mile to help your business succeed.

If I purchase equipment or supplies, how is it shipped?
You choose your desired shipping method.

Do I need a separate phone line to operate my credit card terminal?
No. You’ll be able to connect your terminal through your existing phone line, using the dual phone jacks that come with all terminals.

When the terminal/software dials out for approval, am I charged any long distance or communication fees?
No. All communication passes through a toll-free line, so you will never be charged any communication fees.

What is the discount rate?
On each transaction, your credit card processor keeps a small percentage, known as the “discount rate.” These fees are largely influenced by the percentage that Master Card and Visa charge.

What are “card present” or “swiped” transactions?
When the credit card is physically present at the point of sale, this is known as a “Card present” or “swiped” transaction. These transactions carry a lower likelihood of fraud, because they typically take place in a retail setting where the customer is present with the credit card in hand. Due to the lower risk, these types of transactions qualify for a lower discount rate, or “swiped rate”.

What are “card not present” or “keyed’ transactions?
When the card is not physically present at the point of sale, this is known as a “Card not present” or “keyed” transaction. These types of transactions typically take place over the Internet, phone, or through the mail. There is a higher chance of fraud in these transactions, so the discount rate, or “keyed rate”, is slightly higher.

Why are there different rates for different accounts?
The amount of risk involved in the transaction typically determines the rates. For example, when the customer is present and the card is swiped in a face-to-face transaction, the risk of fraud is considerably lower, and therefore the rates are lower. In internet transactions and transactions where orders are taken by phone or mail, the buyer and the card aren’t physically. Therefore these transactions are considered higher risk, and a slightly higher discount rate is charged.

What type of equipment do I need if I own a retail business?
If most of your transactions will be “swiped” with the card present at the point of sale, as in a retail business, then we suggest purchasing a credit card terminal with an internal printer. While the printer isn’t strictly necessary, we recommend it so that you can keep a copy of each receipt for your records.

The price difference between a stand-alone terminal and one with an internal printer is marginal. It is more costly to buy a stand-alone terminal with a separate printer.

You can also use PC processing software, such as PC Charge, to process “swiped” transactions in a retail environment. See our full list of credit card terminals and equipment, and Internet and PC Payment software.

Can I use my PC (personal computer) as my credit card terminal for “swiped” transactions in my retail business?
Yes. With software such as PC Charge Express or PC Charge Pro, you can accept “swiped” and “card present” transactions in your retail store, although you’ll need a magnetic card reader. This is slightly more expensive, but is still a viable option.

What type of software will I need if own an Internet business?
You need a payment gateway to process your transactions in order to accept credit cards over the Internet. This gateway acts as an online credit card machine.

Authorize.Net has the most cost effective and user friendly software. They can also handle a business of any size, which is why we recommend Authorize.Net as your payment gateway.

To learn more, see our list of Internet and PC Payment software.

With Authorize.Net, what is the difference between the Authorize.Net WebLink and the Authorize.Net Virtual Terminal?
Authorize.Net is a payment gateway. This means it allows you to accept credit cards over the internet, acting as an online credit card machine.

There are two ways you can use Authorize.Net: You can integrate Authorize.Net WebLink into a website, creating a page where customers can automatically pay for their products by filling out their own credit card information. For a manual credit card entry program, use Authorize.Net Virtual Terminal, which does not need to be integrated into a website. With Authorize.Net Virtual Terminal, you manually enter the customers’ credit card information, and then process it over the Internet. Mail/Phone Order businesses, home-based businesses, and online businesses that don’t need website integration may prefer to use the Virtual Terminal application.

With Authorize.Net, can multiple users sign in under the same password?
Yes. An unrestricted number of users can log into one account. This makes Authorize.Net an ideal option for many businesses, especially those with a large sales force.

By supporting an unlimited number of transactions, Authorize.Net will grow with your business or almost any business model.

Can I use my merchant account on multiple websites?
Yes, you have unlimited use. You can place as many order buttons as you like on any number of domains or websites. There is no limit.

What type of equipment or software should I use for a Mail Order/Phone order merchant account?
You can choose to use a credit card terminal with your mail/phone order merchant account, or you can work with Internet payment processing software such as Authorize.Net.

Call us and we’ll assist you in customizing a solution that’s right for your business type.
What type of equipment or software should I use for a Wireless merchant account?

With a wireless merchant account you can work with your laptop, Internet payment processing software such as Authorize.Net, or you can use a wireless credit card terminal. We suggest a wireless credit card terminal if you’re going to be accepting face to face transactions. This will qualify you for the lower “swiped” discount rate.

If you would like assistance in customizing a payment solution that is right for your business, or if you have other questions, please contact us toll free at 1-866-377-2292.

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