What kind of businesses do
you accept?
We accept all businesses.
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What credit cards will I be able to accept?
Initially, you will be able to accept MasterCard, Visa
and bank ATM debit cards. You will need to apply for
American Express and Discover at the same time. We will
assist you with the application process. There is no set
up fee for American Express and Discover Card.
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I am a new merchant. How
can B2bPal Services help me to start growing?
Few businesses are able to prosper if they are not able
to accept credit cards from their customers. If you are
opening a new business we strongly suggest that you fill
out an application so that we can discuss with you the
many ways that we can help your business grow. We will
provide you with the ability to accept credit cards,
whether you are opening an on-line business or a
physical store. We'll provide you with access to our
customer service line that will help you save time and
money for your business. B2bPal Services is here to help
you understand how fast, easy and profitable it can be
to accept credit cards.
Be aware of some processors out there who are offering
merchant services which may appear to be similar to that
of B2bPal. They may charge you high application and
discount fees, offer leasing with no cancellation terms,
or sign you up for services that you just don't need.
There are literally hundreds of web sites out there
selling you unnecessary services.
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I already have a
merchant account. Why should I consider changing my
merchant account to B2bPal?
B2bPal will be able to offer you the latest
technological advances in credit card processing whether
it is done via desk top computer or personal digital
assistant. In addition, we will beat any merchant
processing rate that you currently have.
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What if I
have less than perfect credit?
Our approval
rate is 100%, so even if you have bad credit you have an
excellent chance of being approved anyway.
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Do you offer a merchant
gateway?
Yes, our Payment Gateway is VeriSign 128 bit Secure.
After successful authorization of an order, B2bPal gives
you total control of the options that you can choose for
the transaction.
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The options available to
you are:
• Pending
by default, the transaction
is kept on 'Pending' mode, and remains so for twelve
days, to enable you use any other option. If you fail to
use any of the options, then the transaction is
automatically deleted from the entire system.
• Shipped/Order
Executed
If you select the 'Shipped/Order Executed' option, only
then is the transaction is captured, your customer's
credit card charged, and your account credited.
• Cancel
If, for some unforeseen reasons, you are unable to
fulfill your customer's orders, you can utilize the
'Cancel' option and the entire transaction is cancelled.
•
Partial
Execution
Also, if you are able to
execute the order partially only, only your desired
partial amount will be charged to your customer's credit
card and the balance will be cancelled. No cancellation
fee, with regards to the cancelled amount, will be
charged to you.
•
B2bPal Variable Amount Interface
Ideal for merchants with a web storefront, The Web Link
uses a easy-to-use HTML form post interface for credit
card and net banking transaction authorization.
• B2bPal
Shopping Cart Interface
For merchants without web developing resources, the
shopping cart allows the sub-merchant to integrate a
shopping cart directly into their website in a matter of
a couple of hours.
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Do I need a
business license?
No, you do not necessarily need to have a business
license or trade name registration, but you do need to
have a business that has been duly incorporated
according to local applicable law.
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What is the
discount rate?
Every bank charges a discount rate. The discount rate is
the percentage of each transaction that the processing
company charges to handle the transaction for you, Our
discount rates are exceptionally low for both retail
(swiped) merchants and for mail order/telephone order
and Internet merchants.
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What is the Address
Verification System?
If you sell mail order/telephone order, or through the
Internet, you don't want to send a product to a false
address and have a risk of receiving a chargeback. The
Address Verification System (AVS) lets you enter the
customer's home address and compares it to the address
on file with their credit card company. If someone uses
a stolen card, and wants products shipped to a false
address, AVS will detect this for you.
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Will I receive a
statement?
Yes. You will receive a comprehensive merchant statement
on a monthly basis. It will list all your bank deposits,
credits, debits, and total sales volume. If you should
have any questions about your statement we encourage you
to call us on our number at
1-941-592-2010
and a customer service representative will be more then
happy to discuss it with you.
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How will I get my
money?
Your money will be deposited directly into your current
business checking account. Funds are usually available
within 2 business days (sometimes slightly longer if
your business is considered high risk).
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How do I apply?
Just fill out the free, no obligation, online
Merchant
Account Application. We will contact you
within 24 hours (not including weekends and holidays) to
discuss it with you. After we discuss your preliminary
application, if you wish to proceed we will send you a
simple to fill out, application package. Once the
application has been completed and returned to us we
will let you know the ultimate results within 48 hours
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How long does the
approval process take?
Once we receive all the paperwork you will be notified
of the outcome in 48 hours. If you are approved, and
this is very likely, we will quickly begin the startup
process to get you up and running as quickly as
possible.
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Is there a
service phone number that I can call if I need help?
Yes! You will have live,
toll-free merchant assistance available to you between
the hours of 9:00 AM and 6:00 PM EST, Monday through
Friday at
1-941-592-2010. After
regular business hours we can still be reached by E-mail
and will respond immediately to any urgent request for
help.
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