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Maxx Merchants Virtual Terminal | Overview

Posted by Alex Neir on Fri, September 21, 2012 @ 01:59 PM

This blog is intended to detail the features and functionality of the Maxx Merchants virtual terminal and payment gateway.

The Maxx Merchants virtual terminal is a web based interface for transacting electronic payment processing functions. The features that will be addressed in this blog include the following:

  • Credit Cards
    • Credit Card Sale – Enter your credit card details to transact payment. The Maxx Virtual terminal lets you configure what fields are presented to the user to capture. This allows your business to customize the sale screen with just the info you require for the sale.
    • Credit Card Authorization – Separate authorization lets you authorize a sale and then capture the funds at a later time. Great for businesses that want to authorize the sale with the order is placed and then capture the funds when the order is shipped.
    • Credit Card Capture – Capture funds at a future date.
    • Credit Card Void / Refund – The terminal has full void and refund capabilities.
  • Electronic Checks
    • Electronic check sale – Electronically capture a check account number and routing number to complete the sale. No longer have your customers mail a check only to then take the check to the bank for deposit. The process happens electronically and speed the whole process up.
    • Electronic check void and refund
  • Recurring BillingRecurring billing lets you set up intervals with which to bill a customer’s credit card. A very nice option to set up a subscription billing.
  • Customer Vault – Store your customer’s credit card information off site for easy encrypted retrieval. Each customer’s sensitive data is tokenized and stored off site on our secure servers. Customer data is easily retrieved by looking the customer up by last name and is returned with all credit card information masked.
  • CertifyPCI – This module offers additional certification pertaining to the payment card industries data security standards.
  • iSpyFraud – This module offers robust and configurable fraud detection rules that examine incoming sales to limit potential fraud losses
  • Reporting – The reporting module lets you examine all transactions run through the virtual terminal or payment gateway and holds those transactions for up to 7 years.

If you would like take advantage of a virtual terminal solution for your business please provide us with your contact information and a representative will be in touch shortly.

Virtual Terminal Set Up

Tags: Payment Gateway, Electronic Check Acceptance, Virtual Terminal

Chargeback Tips | How to limit them

Posted by Alex Neir on Wed, September 12, 2012 @ 01:28 PM
Chargback Tips
A chargeback is an element of accepting credit cards that cannot be eliminated. The ability of card holders to chargeback a transaction is a function of the security the credit card associations and credit card issuing banks developed to make consumers feel safe and secure with the use of credit cards.

A chargeback occurs when a customer calls their issuing bank to dispute a charge that appeared on their statement. Common reasons for customers to begin the chargeback process include, but are not limited to the following:

  • Unrecognized transaction on customer's statement
  • Fraud occurred
  • The quality of the service or merchandise that was received did not match what was promised
  • Incorrect amount charged
  • Transaction was not authorized
  • Consumer never received the service or merchandise promised

Based on this list, chargebacks cannot be eliminated. There are always circumstances that result in a chargeback but following a few simple tips can drastically reduce their frequency.

First, always ensure that the name that the customer recognizes is the name that appears for the transaction on the consumer’s bank statement. This is typically the DBA (Doing Business As) name that was used when creating the merchant account. If your business is Carl’s Super Store but the DBA that was used is Freedom Electronics there will be an increase in chargebacks as the customer will not recognize the name.

If you are contacted by an issuing bank with notice of a chargeback, make sure you respond within 12 business days. The issuing bank will usually request a sales draft to check the signature against what the bank has on file. It is recommended that the business retain sales drafts or credit cards receipts for up to 18 months.

Retail Merchants

If you are a retail merchant (have a retail store) make sure you always swipe the credit card through the terminal and get a signature on the receipt. If you must key the transaction in, make sure you get an imprint of the credit card and have the customer sign the imprint.

Internet or MOTO Merchants

If you are an internet merchant or mail order, telephone order merchant make sure you are using AVS (Address Verification Service). This service compares the address information provided by the customer with the information the bank has on file.

Make sure your processor includes your customer service number with your business name to be displayed on customer’s bank statement.

If you are selling expensive service or merchandise make sure you have an authorization contract signed by the customer. It is also a good idea to request a copy of the customer’s driver’s license to verify the signature on the authorization matches their driver’s license. This will eliminate the instances where the customer intentionally signs the authorization incorrectly so that it will not match the bank signature.

For more help with chargeback compliance and chargeback defense please contact our friendly staff at (800)917-8026.

Tags: Chargeback Compliance, Charge Back Tips, Chargebacks

Authorize.Net Phishing Scam | Beware

Posted by Alex Neir on Thu, September 06, 2012 @ 01:44 PM
Authorize.Net Scam
Authorize.Net, a leading payment gateway provider has recently released a statement pertaining to a phishing scam that is currently in circulation via email.

The subject line for the fraudulent email is “Successful Credit Card Settlement Report”. The email explains that the business’s online service has expired and must be renewed immediately or service will be cut off.  The email asks for the business to verify the account and to renew. A link is provided to login to the account.

Following the link and providing the login name and password is what the scam is after. Once that information is provided the scammer then has access to the business’s Authorize.Net account and can cause damage.

It is vital that this email not be responded to and that the attempt is reported to If you or any of your employees have responded to the email please contact immediately to determine if any fraudulent activity has been made.

As a general rule, never respond to email requesting information pertaining to sensitive information. It is best to contact the company that appears to have sent the email to verify the authenticity of the communication. 

Tags: Credit Card Fraud, Fraud Protection, Fraud Alert