Frequently Asked Questions
Why should my business accept credit cards?

With any business, it is important that you give your customers as many convenient ways to pay as possible. Accepting credit cards increases your “up sell” potential, since your customers do not have to spend funds directly out of their checking or savings account to pay for your product or service. In addition, people know that they’re protected by the credit card companies, since they’ll get their money back if the merchant does not live up to his end of the bargain. Studies have shown that businesses that accept credit cards can see sales increase by 30%+.

How do I apply for a merchant account?

Click Here To Apply For A Merchant Account.

How do I request more information?

Click Here To Apply For More Information.

How do I get started and how long does it take to get set up?

We can have most accounts approved & set up in 2-4 business days. Terminals can be shipped next day air or ground. You can complete the entire application process on our website and if you have any questions simply call our customer service department for assistance.

What if I do not have a business checking account?

If you are a sole proprietor of your business, you can use your personal checking account for your merchant account funds. If you are not a sole proprietor and you wish to have funds deposited into an account that is not a checking account we will need a letter from your bank on bank letter head, with your companies name and account number as well as the bank ABA number. The letter must be signed by an officer of the bank.

What other cards do you offer?

Your merchant account will automatically be set up to accept Visa™ and MasterCard®. We can also set up American Express® and/or Discover® for you, but you can add any other credit card you wish to accept once you are set up with the basic merchant account.

Do you have Recurring Billing?

With our online solution providers, recurring billing is always available and can be used for items that must be billed on a regular basis. For example, if you would like an item to be billed to a customer's credit card once a month you could use recurring billing to do so.

When do my transactions get funded?

If a merchant performs their batch run prior to 6pm EST, the funds will be available on the next business day. Batches run between 6pm and 12am will be available in 2 business days. If you are signed up for AMG’s American Express® One Point Program, your American Express® funds will be deposited at the same time as Visa™ /MasterCard®/Discover® funds.

Can I be approved if I have bad credit or no credit?

We can never guarantee an approval however we will work with each potential client to maximize their possibility of success. It doesn’t cost anything to submit a merchant application so there is really nothing to lose.

What do I get with an internet merchant account?

As an internet merchant you would be signed up for a standard AMG merchant account to accept major credit cards. In addition you will require a payment gateway to facilitate your transactions over the web. AMG professionals will assist you with the payment gateway that works best for your business. You will also receive the appropriate script to integrate into your web site so your customers can make purchases directly off your site 24 hours a day without you having to run the transaction manually.

What if I need help with my account?

AMG customer service representatives are available to serve you 24 hours a day, 7 days a week.

What is your privacy policy?

Click Here to review our privacy policy.

Will I be trained to use the credit card terminal?

Yes. Once you receive your credit card terminal a representative of AMG will train you on how to use the terminal. In addition, we provide a toll-free customer service number you can call 24 hours a day, 7 days a week, so you can get help at any time.

I'm not sure what terminal, equipment or software is best for my business?

Please consult your AMG agent regarding the various options available.

How exactly does the whole transaction process work?

Initiating the transaction to verify that a card is active and within the approved spending limit:

  • Brick-and-mortar and retail or restaurant environments-swipe the card or key in the number through a point-of-sale terminal (i.e., card is physically present)
  • Mail order/telephone order (MOTO)-enter the card information the customer has provided by mail, telephone or fax (i.e., the card is not present)
  • Internet -Customer provides your Web site with card information (i.e., card is not present)

  • Real-time authorization, which reduces chargeback’s and catches card-entry errors:

  • Terminal or software transmits the credit card number, expiration date and sales total to Wells Fargo over the First Data network.
  • Wells Fargo transmits data to customer's credit card-issuing bank.
  • Customer's credit card issuing bank approves or declines the transaction and merchant is provided with an approval or declined within seconds.

  • Completing the transaction:

  • Merchant's terminal or software transmits transaction details to Wells Fargo over the First Data network in a batch at the close of the business day.
  • Wells Fargo forwards transactions to each of the applicable credit card-issuing banks and receives funds from banks.
  • Wells Fargo deposits funding in merchants account based on a predetermined schedule.


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