amspcs
640 posts since
Oct 18, 2007
30.
Re: Quickbooks Merchant Services Oct 20, 2009 3:49 PM
in response to:
PorscheGuy
Porshe--
Two things jump out at me from your post.
1.) You were underwritten completely incorrectly. Probably the fault of whomever
took your application. If you applied do-it-yourself over the internet in search of a bargain, you pretty much got what you paid for.
2.) You have no knowledge of how merchant processing works, which is very dangerous. Leads to unrealisic and/or unreal conclusions and expectations.
For starters, your statement that the customer can't dispute the charge once delivery is signed for is 100% ridiculous and incorrect. To the contrary, in a non-face-to-face environment in which the merchant does not physiclaly have the card in hand, the customers has TONS of ways to dispute...and win.
Which leads to the second point: The QB Fraud Police as you called them are actually from their Risk Dept. They are there to monitor your account not only for the protection of the processor, but for
your protection as well.
Lots of ways to solve the issues you suffered through. #1 understand the rules before hand (incidentally, they all apply to Paypal as well). #2 Pick a processor that specializes more in YOUR type of business and therefore is more lenient in terms of risk, which QB is not. and #3, deal with a professional dependable ISO who knows how to underwrite and takes the time to determine what YOU need in terms of a processor. Just like buying shoes, there is no such thing as one-size-fits-all processing, and you will be SO much happier once you find the right fit.
AMSPCS
amspcs@juno.com
www.MerchantServices-help.com
