What is a qualified, mid-qualified, and a non-qualified transaction or sale?
How does United Bank Card, Inc. compare to other merchant account providers?
Will I be able to accept all types of credit cards with United Bank Card?
How long does it take to get set-up?
How much information will United Bank Card need from a merchant to get started?
Why is so much information necessary?
Does my website have to be completed to get a merchant account?
How do I get working capital for my business right away?
Frequently Ask Us Questions » CLICK HERE
It is simple all you do is set-up a free merchant account with United Bank Card by clicking here
Merchant account enables businesses to accept credit cards as payment.
Money is deposited in merchants checking account within 48-hours of the batch settlement.Address Verification System
By using this service merchants will save a lot on monthly fees as it helps secure the transaction. POS terminal will ask for the address number and zip code in most cases. This service is only used when the card cannot be swiped.
Automatic Check Handling or Automatic Clearinghouse.
Card Verification Value. This is a security feature which let merchants know what the last three or four digits are in the back of each credit card. This insures that the card holder actually has the credit card in their hand. CVV2 also help merchants save money by adding this service.
Mail-order and telephone orders. This means your business accepts a majority of credit card sales by mail or telephone. Point-Of-SaleWhat is a qualified, mid-qualified, and a non-qualified transaction?
A. A qualified transaction means the credit card was swiped through the Point-Of-Sale machine.B. A mid-qualified transaction means the credit card had to be manually typed in with "AVS" and/ or using a "CVV2 code". This transaction occurs either by taking orders online, by phone and/ or if the credit card strip is not readable.
C. A Non-qualified transaction means it is either a corperate credit card or the credit card sales was forced without using "AVS" or a "CVV2 code".
How does United Bank Card, Inc. compare to other merchant account providers?
We are not in the business of downing our competitors, but we would like to point out a few advantages you'll receive with United Bank Card. No matter what deal you currently have or been offered we'll work hard to lower your monthly fees.
A chargeback only occurs if the merchants customer has a reasonable dispute on poor results on an item or service purchased within 90-days sometimes as long as 180-days. Not all disputes are reasonable so we work hard to prevent this process from happening to our merchant clients.
Try to make sure each customer signs the credit card receipt or make sure that your company is set-up with "AVS" or "CVV2" to prevent fraud. Company policy's also help prevent chargebacks, for example no returns are acceptable beyond "such an such date". If you are a high risk for chargebacks have an attorney look over your company policy this could substanially reduce any if not all chargebacks from happening to your business.
Will I be able to accept all types of credit cards with United Bank Card?
Your business will have the ability to accept all major credit cards such as Visa, MasterCard, American Express, Discover, Diners Club, JCB, fleet, and other government cards. You'll also have the ability to accept debit cards, atm cards, EBT (Electronic Benefits Transfer), and checks.
Depends on your business type we have a 98% apporval rating. To find out if you qualify click here.
How long does it take to get set-up?
This depends on the type of business, but most merchants are approved instantly and if you ordered pos equipment or software it might be up to 48-hours before you are up and processing with United Bank Card.
How much information will United Bank Card need from a merchant to get started?
Does my website have to be completed to get a merchant account?
The answer is "Yes" just like storefront merchants we want to make sure they are a legitimate business. Just extra measures to protect the merchant and buyers.
How do I get working capital for my business right away?
We help businesses just like yours get working capital from $5,000 to $200,000. All we do is base your merchant cash advance on your monthly credit card recievables and instead of waiting 30 to 60 days for a loan we'll get you approved in 24 to 48 hours and fund your account in 5 to 7 business days! To find out more information click here