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Frequently Asked Questions -
Answers to the most common questions about
Heartland Connect
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Contact Us - Here's how to
send your comments, suggestions, and questions. |
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E-mail:
sales@e-hps.com
support@e-hps.com |
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Frequently Asked Questions: |
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Which bank cards does
Heartland Connect
accept? |
Heartland Connect
accepts Visa, MasterCard, American Express, Discover/Novus, Diner's Club/Carte
Blanche, Japanese Credit Bureau, enRoute, debit cards and EBT (Electronic
Benefit Transfer) cards. |
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What do I need to process credit card
payments? |
To accept credit card payments (online, offline, anywhere) you need a credit
card Merchant Account. |
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What other payment methods
does accept other than bank cards? |
Heartland Connect
also supports ACH. ACH stands for Automated Clearing House, but ACH
transactions are better known as electronic checks . Market studies have
shown that consumers still make more purchases with checks than with credit
cards. By offering ACH as a payment option, you have the potential to greatly
expand your revenues.
Heartland Connect
also accepts Gift/Loyalty cards. |
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Can swipe card (or card present)
transaction be processed? |
Yes.
Heartland Connect
works with both Card Present and Card Not Present transaction. There are two
types of transactions in the credit card payment world: |
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Card Not Present - on-line transactions where the merchant is not presented
with a physical card nor a valid signature.
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Card Present - almost all of the transactions in the retail world are Card
Present transactions. In this setting, the merchant gets to swipe the card thru
a magnetic stripe reader which reads the track data from the back of the card
and sends it off to the bank for verification. The merchants are also required
to verify the signature on the receipt against the one on the back of the card.
If the card is NOT present, as in the case of a MOTO (mail order, telephone
order) or online transaction, and the cardholder asks for a chargeback on the
grounds of fraud, the merchant doesn't get the money. If the case is an
Internet order, then additional fees and limits apply -- besides a MOTO case.
On the other hand, in a Card Present transaction, if the merchant authorized
the card and has a signature slip, the merchant keeps the money and the bank
sucks it up (provided if the merchant can dig up the reciept and present it
to the bank when the chargeback dispute comes in).
Heartland Connect
offers a complete end-to-end solution for signature/receipt/check image capture
and retrieval system that completely eliminates this problem. |
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I already have a merchant account, can I
still use
Heartland Connect
without changing my account? |
Heartland Connect
works with virtually every bank in the US, so chances are your bank is
supported. |
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What is the average speed of a
transaction? |
Heartland Connect
sends all transactions securly to the various payment processors via broadband
(DSL, T1, T3, etc . . .) versus the traditional dial-up method. This results in
transaction times ranging from 2-5 seconds. It also reduces the need to have a
shared modem pool or individual phone lines for each register. Ultimately, this
means happier customers, fewer errors, and more sales for you. |
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Do you have a web based interface? |
Yes,
Heartland Connect
offers a powerful, easy-to-use web based interface that features merchant
management, virtual terminals and extensive reports. |
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Do you support Recurring Billing, why do
I want it anyway? |
Heartland Connect
offers a complete recurring billing (sometimes known as "subscription billing")
system. Merchants can store customer billing information on
Heartland Connect
. A PNRef number will be created, which merchants can then use to run
transactions and schedule future billings, or schedule billings which will
repeat at a regular interval.
Recurring billing is useful even to merchants that don't necessarily require
subscription billing. It allows merchants to store customer information in
securly in the
Heartland Connect
database. The merchant need only keep track of the PNRef number. |
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Am I protected from fraud as a merchant? |
Consumers are well-protected from online fraud by the zero-liability plans
offered by their card issuers. But the merchant are not as according to the law
in the United States. A few fraudulent purchases or chargebacks on your
merchant account can lead to increased bank fees and even the revocation of
your account. |
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What do you have to help me fight
fraud? |
Automatically included with all
Heartland Connect
accounts are basic fraud screening tools including AVS (address verification
system), Visa's CVV2, Mastercard's CVC 2, and American Express' CID. These
proven tools can filter out most online fraud, and are available to you at no
extra cost.
However, the utlimate fraud fighting device is our Card Present transactions
combined with signature/receipts/check images capture and retrieval. This will
help you significantly reduce fraud and the risk of chargeback. |
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How secure is your system? |
Proper security is difficult and time consuming, which is why many gateways
shirk in their responsibility and take the "easy way out".
Heartland Payment Systems
believes in doing things right, and that means proper precautions must be
taken. All communication (between your servers,
Heartland Connect
, the acquiring bank, and the issuing bank) are encrypted end-to-end with
1024-bit RSA public/private keypairs assuring server authenticity and
invulnerability to man-in-the-middle attacks.
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Does
Heartland Connect
use SSL encryption? |
Yes. Our system runs in Secure Mode using SSL (Secure Sockets Layer) to encrypt
all communication data.
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