Frequently Asked Questions

What is a chargeback?

A chargeback is a transaction that is disputed by either the cardholder or the cardholder’s financial institution. These occur when a cardholder disputes a charge or when the proper procedure for acceptance and authorization isn’t followed. The chargeback is then sent to the merchant, debiting the merchant deposit account for the amount of the chargeback. A fee is often tacked on as well for failure to follow card authorization and acceptance process and procedures. There are many reasons for a chargeback, including but not limited to a card holder dispute, an error on behalf of the staff of the merchant, or improper authorization process. Protect your business and stop frequent chargebacks by ensuring precise processing procedures.

How often should I batch?

Card Network strongly suggests transactions should be batched daily.

Should I connect my terminal through a phone or Internet line?

Most businesses prefer using Internet-connected terminals for quick and easy transactions. This means an additional landline is not needed to process transactions. However, if you decide to use a machine that uses a telephone line, make sure it is separate from your main phone line. Using the same line can cause issues in slowing down or interrupting transactions, causing issues with accepting payment and frustrating both your business and your customer.

What is Near Field Communication (NFC) and how does it work?

NFC technology allows two devices equipped with the NFC chip to be placed next to each other to exchange data. Both devices must have the required NFC chip in order for this to work. NFC transactions are considered very safe, as it creates a digital signature that is completely unique.

What is an Issuer vs. an Acquirer?

An Acquirer is the financial institution that is responsible for maintaining the merchant credit card processing relationship and receives the merchant transactions. They then distribute these transactions to the card member banks. The financial institution that issued the credit card to the card holder is called an Issuer.

How soon will I get my deposits?

You can see your deposits within 24-48 hours, excluding bank holidays. You can receive your deposits in this time-frame if your account qualifies after you batch your POS.

What is the length of my Merchant Agreement?

The average length Most Card Network service agreements are month-to-month.

What is PCI?

PCI DSS, or Payment Card Industry Data Security Standard, is a set of requirements ensuring that companies process, store, and transmit card information while maintaining a secure environment.

Why am I being charged a PCI fee?

An annual PCI fee is assessed by Card Network to alleviate the costs associated with maintaining compliance, as well as terminal software updating and hardware replacement for non-compliant equipment.

Why do I need to be PCI compliant?

All merchants that accepts, stores, or transmits payment card information must be PCI compliant. The PCI mandate is part of the Card Brand operating regulations. These regulations set standards under which businesses are allowed to operate merchant accounts and accept cards for payment. When you open an account with Card Network, you must sign the terms and conditions that state Card Brand operating regulations must be obeyed. You can learn more at

Why Do I Need to Accept Chip Cards?

In late 2015, card issuing banks alerted businesses and customers about the new EMV (Europay, Mastercard, Visa) chip. This chip set the global standard for all debit and credit card transactions as a joint effort between all three card companies to make sure each card type would be accepted globally and kept secure. The good news: EMV cards do a great job preventing card cloning and halting fraudulent transactions, particularly at points of sale, or POS transactions. The PIN feature is an added security factor that requires additional authentication outside of a simple swipe. If you do not accept EMV cards, your business is at risk of disputes, forcing you to cover the cost of the entire transaction (and possibly fees) if a customer does not enter their PIN with their chip card at a POS. EMV compliance may be an extra step or two for both you and your customer, but the transactions are secure and you are taking steps to secure and protect your business from fraudulent transactions or needless disputes.

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