Here are some answers to frequently asked questions about credit card processing. If you still have a question left unanswered, please feel free to contact us and we will be happy to assist you.

What you need to know about EMV Chip Cards

You can avoid liability for card fraud with EMV™-enabled terminals.

Credit card fraud losses, which topped $10 billion in 2014, typically are the responsibility of the card issuer. As of October 1, 2015, fraudulent chip card transactions on non-EMV compliant terminals result in the liability shifting to merchants. By embracing EMV technology, you’ll be protecting your business from the liability and your customers will feel better than ever about doing business with you.

EMV improves payment security by making it harder to use cards fraudulently or even duplicate them

EMV (Europay, Mastercard®, and Visa®), chip cards have small microchips embedded in them. Instead of a cashier swiping a credit or debit card, the customer inserts the card into an EMV slot or taps the card on your sales terminal. The card never leaves your customer’s possession, adding more security to in-store transactions. In order to switch over to EMV processing, you will need to make some hardware changes. Dezba can help!

Payment Solutions

Merchants can simplify payment acceptance and accommodate their customers’ payment preferences by accepting EMV enabled MasterCard®, Visa®, PIN-secured and signature debit, American Express®, Diners®, Discover®, and JCB® cards, checks and gift cards, in addition to being able to support Apple Pay and Android Pay.  Funds can be deposited into your account the next business day in full, including American Express.

What you need to know about Apple Pay

Apple Pay changes how you make purchases with breakthrough contactless payment technology and unique security features built right into the devices you have with you every day. You can use your iPhone, Apple Watch, or iPad to pay in a simple, secure, and private way.

Paying in stores happens in one natural motion — there’s no need to open an app or even wake your display thanks to the innovative Near Field Communication antenna in iPhone 6. To pay, just hold your iPhone near the contactless reader with your finger on Touch ID. You don’t even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.

How is Dezba different from its competition?

Our primary focus is always our customer. When our customers are successful, we’re successful. As your one-stop shop for products and services, we want to surpass your expectations. We offer the best value in the business by combining our responsive customer service with reliable systems, competitive interchanges rates, powerful products, comprehensive fraud and flexible data delivery options. No matter what your industry, we have a solution that fits.

What is the difference between Dezba and a bank?

It is no secret that banks handle billions of financial transactions for the world each and every day. However, what many merchants don’t realize is that the merchant services that many banks offer are actually not their own. So, if the banks don’t control this then who does provide these financial services? The difference is that a merchant account with an Independent Sales Office (ISO), like Dezba, offers a comprehensive list of benefits that generally cannot be found with a bank.

What are the benefits of choosing Dezba over a bank?

Banks are generally given a “cookie cutter” program that they offer their customers so it’s more like a “one size fits all” package. We look at all the various factors involved with how each merchant processes transactions and types of clientele in order to make sure that you are qualifying for the lowest possible costs for those transactions. Dezba is generally much more cost effective than bank merchant service programs. There are no application or start up fees and we pride ourselves in personalized payment processing solutions.

What are the costs for your processing and other services?

Because each of our customers has unique needs, our processing services are customized according to the specifics of their business. Pricing is based on factors such as type of industry, method in which payments are accepted, card types accepted and a number of other variables.

I want to begin accepting payments with credit cards. What kind of hardware do I need?

Many factors determine the kind of hardware you will need, including: type of merchant account you want to establish (ecommerce, retail or direct market), the type of industry you’re in, how many transactioins you have a day, type of transactions you’ll be processing, how many locations your business has, etc. Once we have all of this information, we will be better able to advise you on the type of equipment you’ll need to be able to process credit cards.

I already have a credit card terminal; can I just reprogram it to work with Dezba?

In many cases, you may be able to use the equipment you already own.

As a merchant, what types of credit cards can I accept?

Most merchant terminals support MC, Visa, American Express, Discover, Diners Club/Carte Blanche and JCB cards. Although we can support all credit card types, we only have the ability to process settlement (payment to merchants) for MC, Visa, DC/CB, Discover and JCB. When processing occurs, each transaction must be authorized, the data must be captured and settlement/payment made back to the merchant.

How long does it take to set up a merchant account?

The time it takes to establish a merchant account depends on several factors including; completeness of the application submitted, accuracy of the information provided and any required additional paperwork. After your application has been approved, it usually takes just a few days to establish the actual account and to arrange for any required training.

How can I view my account information?

Dezba offers several online and offline tools to access information about your merchant account. With these tools you can view, download and import account information such as transaction activity, deposits, funding, chargebacks, retrievals and statement information.

What are interchange fees?

Interchange fees are transactioin-related costs that the processor pays to the issuer of the card as compensation. These fees are established by MC and Visa and are based upon how a transaction takes place and in what type of industry.

What products and services does Dezba offer me?

We provide comprehensive electronic payment solutioins that meet virtually any business need, no matter what payment type you wish to accept or in which business environment you operate (e-commerce, lodging, restaurant, retail, direct response or petroleum). Our global processing network and breadth of processing services are the most comprehensive in the industry.

Our broad range of solutions includes:

  • Turn key Internet payment access and virtual terminal tools
  • Full-service stored value card program, including gift cards and electronic gift certificates
  • Comprehensive fraud detection service
  • Web-based reporting and data management
  • Recurring payment programs
  • Processing of a wide variety of payment types including international currencies and electronic checks
  • Customer service and account management
  • 24-hour technical support, terminal deployment, training, replacement and repair

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