- In person, online or bothCard processing and payment technology
- A second lookA review of your current processing statement
- Fraud and chargebacksHelp for how you sell
- Talk to a licensed agent(619) 382-3810
Payment solutions
Each one has its own page with how it works and a plain-language guide.
- Merchant processing and card acceptanceAccept cards in person and online.Learn more
- Online paymentsTake card payments on your website, through a gateway or a hosted payment page.Learn more
- POS and payment technologyCheckout hardware and software for how you sell.Learn more
- Recurring billing and invoicingBill customers on a schedule.Learn more
- A review of your current processing statementA second look at what you pay today.Ask about it
- Fraud and chargeback protectionHelp with fraud and chargebacks.How we look at it
Payments
Fraud and chargebacks
If fraud or chargebacks are costing you time or money, choose "Fraud and chargebacks" below and tell us what you are seeing. We will look at what could help for how you sell, in person, online or both.
We won't promise you will pay less, and no one can promise fraud or chargebacks will stop. Any change is reviewed with you first.
Not sure what you need?
Tell us how you take payments today. We will look at what could help, and review any change with you first.
Talk it through with usHow it works
- 1
Tell us what you need
A few quick questions. It takes about two minutes.
- 2
We review it
Someone licensed reads every request.
- 3
We reach out
We talk it through with you. There is no obligation.
Tell us how you take payments.
A licensed agent reviews your request and gets back to you. Prefer to talk? Call (619) 382-3810, Monday to Friday, 8:30am to 5pm Pacific.
Thank you, we have your request.
Someone from our team will get back to you. If it is urgent, call (619) 382-3810.
FAQ
Card payments and chargebacks, explained plainly
What is a chargeback?
The card issuer reverses all or part of a card transaction, usually for the cardholder. Common reasons are disputes, fraud, processing errors and authorization problems.
How long does a customer have to dispute a card charge?
Under the Fair Credit Billing Act, the written dispute must reach the card issuer within 60 days after the first bill with the error was sent.
What happens after a dispute is filed?
The issuer must acknowledge it in writing within 30 days and resolve it within 90 days.
What counts as a billing error?
Charges with the wrong date or amount, math mistakes, goods or services that weren’t accepted or weren’t delivered as agreed, and charges the cardholder didn’t authorize.
What is PCI DSS?
The card industry’s baseline security standard for protecting payment account data. It applies to everyone involved in card processing, including merchants.
Sources: Federal Reserve, payments glossary · Federal Trade Commission, disputing credit card charges · PCI Security Standards Council, PCI DSS.
Important information
- We won't promise you will pay less, and no one can promise fraud or chargebacks will stop. Any change is reviewed with you first.
- If you request a quote, a licensed insurance agent may contact you.