Q: What is a Merchant Account? 
A: A Merchant Account is an account, which is set up between a merchant bank and a retailer. This allows the retail company to accept credit cards from a customer and receive funds from the transactions into a designated bank account.

An Internet merchant account is more rigid than an ordinary merchant account because of the higher risk associated with transactions which are not processed in a person to person environment (with a live signature).

Q: Can my business accept credit card payments over the Internet, without a Merchant Account? 
A: No, you will need a Merchant account to process credit cards payments over the Internet. ePayment Solutions can offer and approve Merchant accounts to suit all businesses. To save yourself valuable time, contact us at ePayment Solutions first and we can assist you with the process.

Q: What are the fees for set up of Merchant Account?
A: We have various Merchant solutions, to suit all businesses, contact ePayment Solutions to discuss options. sales@epaymentsolutions.com 

Q: If I transfer from another processor to ePayment Solutions, can I transfer my existing active re-bills?
A: Yes. EPayment Solutions does offer automated and manual re-billing facilities.

Q: Does ePayments offer any fraud screening?
A: Yes. We have two fraud screening options available. The basic system which does an AVS (American Cards only), it also access’ the Internet banks negative database and hot-lists of stolen cards.

Some of our Merchants have opted for additional Fraud Protection, which is rated as the strongest anti-fraud system available the world. The system does a series of over 150 additional checks including: A geo-locating check, which finds the end user and ascertains how far he is from his general ISP etc. It also checks the regular usage of the card on previous transactions. It checks against a European polling register (An Electoral Roll) instead of AVS for European cards. It also access’ the CyberSource International negative database. This system has been screening transaction for over 5 years and currently is rumored to validate over 4 million transactions per month. This database is enormous and they have an in built ‘artificial intelligence’, which learns from each transaction. This keeps an accurate past history on the card and the user and has formed a strong base to the Fraud Screen know as IVS – Independent Verification System. This system has assisted its users in keeping fraud and charge backs to less that half of 1% in the past.

Q: Can ePayment Solutions provide credit card processing solutions for Companies only in the United States?
A: No. ePayment Solutions can offer Offshore Credit Card processing facilities to companies world-wide.

Q: If my Web Site is located outside of the United States, can I still have a Merchant account with ePayment Solutions?
A: Yes. Sites anywhere in the world can use our services. Multi-Currency trading is also available.

Q: Will I need a United States Tax ID number if my Company is not located in the United States? 
A: No. A Tax ID number is only required for U.S. based Companies.