FAQ of ECPSS Merchant Account

1. When do I get paid? 
We pay weekly with 24-48 hours behind.
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2. Is it complicated to use Control Panel? 
No. Everything is automated. The main function merchants have is to website within their Control Panel. Everything else will be automated. If you still have problems, we are willing to do the setup as well at no cost.
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3. What exactly is a membership and why would I want it? 
Membership system will allow you to sell content. For example, in order to access certain web pages you would need a password.  The membership system allows you to sell access or permission to view certain pages.
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4. What credit cards do you accept? 
We currently accept Visa, MasterCard ,JCB,AE credit card ,china-union pay bank card (union pay debit card and credit card )for instant online sales.
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5. How much does it cost to sign-up for ECPSS? 
There is sign-up fee. No hidden charges.
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6. Are there additional fees for rebilling features and memberships? 
No. Everything is included within one low fee.
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7. Do you provide API interface? 
Yes, we have XML ,JSP,PHP,.NET ,ASP,ec-shop,magento,opencart ,osc, prestashop, virtuemart, wordpross, zencart,API interface
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8. Do you accept merchants outside of Canada and United States? 
Yes, ECPSS accept merchants in any countries.
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9. Will International merchants need to incorporate and set up bank accounts in Canada or the United States? No, International Merchants do not need to incorporate or set-up bank accounts in Canada or US. We will wire your monies to your bank account in which ever country you wish. Minimum wire transfer amount is $5000$.
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10. Does ECPSS provide any 1-900 or checks processing payment options? 
At this time, we do not offer any 1-900 or checks processing services.
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11. Do you have set pricing, or can I charge whatever I want?
You can charge any amount you want, as long as it is more than $1 and less than $2000.
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12. Do you accept both electronic and physical delivery merchants? 
Yes, in many cases our merchants will offer both electronic download and physical delivery of products or services from their  
sites.
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13. Does the merchant web site need to be hosted in Canada or the United States? 
No, you may have a web site in which ever country you wish. You will simply be hyperlinking to us for the secure, on-line credit card processing, so whether your site is across the road or halfway around the world makes no difference to us!
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14. Do I have to place any forms at my web site? 
No. All the forms are handled at our server. There is no need for any forms or "secure" environment at your side. You just link  to our secure order page.
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15. Do you have a holdback on sales income? 
A security deposit is required for all accounts. Currently we deduct 10% (depends on business type) for holdback fund.  Holdback fund returned to you within 6 months.
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16. Do you notify me if there is a chargeback? 
Yes, we will e-mail you notification that a chargeback has been processed. We send all e-mails to the address specified in our  ACCOUNT INFORMATION database (not the email address in the web site information database.) Chargeback fees will be applied to  your next payment.
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17. May I dispute chargeback? 
You're able to dispute chargeback only if you have valid proof of delivery :received code of chargeback is 4855 (for mastercard) or 30 (visa) (non-delivery)signed person is the same who ordered items (cardholder)
when the signature is possible to view (AS IS)you should provide proof of delivery during 7 business days after chargeback received.

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18. Can I check my sales statistic at any time? 
Yes, you can check your sales statistics at any time by simply log-in our Merchant Control Panel.
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19. Will I need to purchase and/or install any special software or hardware to use ECPSS? 
No, you will not. ECPSS provides everything you will need to process online transactions. We will also provide full support with the creation of the interface required for our systems to communicate with each other. The setup is fast and easy!
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20. If I apply for own descriptor with Your company will I get a real merchant account? 
Yes, for big turnover merchants ECPSS setup your own descriptor with domain and phone number which customers will see in their  
bank statements. There would be setup fee, you may pay it from your first sales.
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21. Are there volume caps? 
No there are not. You can process as much as You want unless we specifically set a volume cap for Your business. Generally we  
dont do it.
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22. What currencies can You accept transactions in? 
We can accept transactions in RMB,USD,HKD,GBP,JPY,EUR,AUD,CAD,SGD,NZD,TWD,KRW,DKK,TRY,MYR,THB,INR,PHP,CHF,SEK,ILS,ZAR,RUB,NOK,AED..
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23. What is a chargeback? 
A chargeback is a forced refund from a customer's credit card company. It occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, often because of someone fraudulently used that card number. According to credit card  associations rules, Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet. The amount of credit card fraud highly depends on your business nature. To reduce chargebacks, try to collect as much information as possible from your customer, and perform a phone order confirmation. If the order is found to be valid, then  proceed with the order. A chargeback fee is a penalty fee that passes on to the merchant.
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24. What is Holdback? 
The Holdback is a percentage of the total transaction volume that is used to prevent catastrophic loss resulting from  chargebacks. Typical holdback is 10% for 180 days. Once the 180 days has expired, the funds will be released back to your  account. The fund is calculated and withheld for every payout period.
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25. Can I speak with sales representative by skype? 
Yes, you can contact us by Skype:goodluck3801 and ask any questions.
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26. Do you have integration manual?
Yes, you can get it from skype:goodluck3801 or ecpss2012@gmail.com
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Contact info:
E-Mail:ecpss2012@gmail.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html

ECPSS merchant account is extremely security !

Security

ECPSS Fraud prevention

We have employed various measures to keep transaction and financial information safe and private.

1  PCI-DSS Level 1 compliance. The Payment Card Industry (PCI) Data Security Standard is a set of rules that govern the safe use of credit cards. Level 1 is the highest compliance status that is given to companies that offer the strictest security precautions.

Industry-standard services. We use Address Verification Service (AVS) and Card Security Code (also known as CVV2) to help stop identity theft.

2  Data encryption. We use data encryption as an additional safeguard.

3   Protecting financial information. All financial information is stored only with ECPSS. They are not shared between the buyers 

and the sellers.

4   Antifraud Team. We have employees monitoring transaction details around the clock to keep your information safe and secure.

ECPSS defense against Identity Theft

   1  ECPSS  continuously works to protect your privacy and defend your identity by using complex security measures and alert 

supervision.

   2  We have agreements with concerned government agencies to capture and prosecute these criminals.ECPSS requires account verification before releasing funds.

ECPSS  anti-phishing policy

We stick to precise guidelines to help you better identify suspicious emails. ECPSS will NEVER ask for the following personal 

information in an email:

 1  Your full name

 2 Passwords

 3 Email addresses

 4 Credit and debit card numbers

 5 Bank account numbers

 6 Driver's license numbers

Report Suspicious Activity

If you ever encounter identity theft, please report it immediately to business24@ecpss.com or skype:goodluck3801 . In case of phishing, please forward the email together with your message.

ECPSS merchant benefits

ECPSS Merchant account Advantages for Merchant Benefits

1   Customer Reach – Credit cards remain the popular choice in online payment. It accounts 

for 86% of all online transactions. If you do not accept credit cards, you quickly lose that business.

2  User Satisfaction – ECPSS creates seamless payment transactions. This will give you instant credibility with your customers and make you their preferred shopping destination.

3  Competitive Pricing – We do not ask for Transaction fees.

4  User-Friendly Interface – it will take less than an hour to get familiar with our ECPSS Merchant back office system.

5  Advanced Fraud Protection – ECPSS implements the strictest rules to safeguard your identity.

6  Documentation – All your transaction history will be recorded and can be accessed by you at any time. You can also download them in your preferred format.

7  Customer support – ECPSS offers round-the-clock Customer service. Our friendly Customer Service associates can be contacted through , VOIP, telephone, email, and Skype.

skype:goodluck3801

E-Mail:business24@ecpss.com

Check Verification Service Providers

Check Guarantee – What It Is, How It Works and Fees Involved

Check Guarantee is a program in which you are guaranteed to be paid on your checks. It is a type of insurance provided to merchants. A fee is charged to the merchant in exchange for the service of paying the merchant on any checks that are returned. There’s no need to worry about accepting checks or collection on returned checks. Usually, the cost for this solution is about the same as credit card acceptance, however, some may offer it for a lower price. Check with your Merchant Account Provider for further details.

How Check Guarantee works is each check that you accept is verified. The check guarantee company lets you know whether the check writer has any outstanding unpaid bad checks. This is completed by running the check through a check reader or keying the check information and/or check writer into a terminal. If it shows that there are no outstanding checks in the system, the check guarantee company issues approval or an authorization number which means you are guaranteed payment for that particular check. You are also responsible for getting certain information about the check writer such as driver’s license number and phone numbers.
Check Guarantee has been around for a while and it’s nothing new; the Guarantee Processor charges the merchant a Discount Fee (percentage) on ALL checks they accept, usually around 1.50% (or in the range), and agrees to cover all returned checks, provided that the merchant has followed the Processor’s Check Acceptance Rules. The fee scale varies by merchant type and the associated risk, but is rarely lower than 0.99%. A per item Transaction fee of around $0.15 to $0.35 is also charged. There IS often times a Monthly Minimum fee and always a Statement Fee, especially when dealing with retail check processing accounts. There may be a sign up/application fee, and also a programming fee to put the service on the merchant’s Point of Sale Terminal (if applicable). A point of sale terminal and check reader is required if you’re processing using a retail hardware solution – but there are also online/virtual terminal solutions that are now available if this is what your business needs instead.

Check Guarantee with Conversion means that not on is the check Guaranteed but it is also “converted” into electronic funds, this means that you do not have to deposit the check into your checking account; the funds will be deposited into your checking account for you automatically.

Check Verification – What It Is, How It Works and Fees Involved

Check Verification is a process that screens checks and check writers against a “negative database” of “bad check writers”. This is done at the point of sale when the customer presents a check as payment. This service is performed using a point of sale terminal (or a real-time internet process) to access one of these large negative databases and compare the new transaction against the list. If the customer has a history of bad checks, the transaction will be declined. If they are not in the database for bounced checks, they are approved. Verification transactions usually cost around $0.15 – $0.35/per item. There may be a sign up/application fee, and also a programming fee to put the service on the merchant’s Point of Sale Terminal. There IS often times a Monthly Minimum fee and always a Statement Fee, especially when dealing with retail check processing accounts. A point of sale terminal is required if you’re processing using a retail hardware solution and a check reader is optional – but there are also online/virtual terminal solutions that are now available if this is what your business needs instead.

When accepting checks and debit cards a verification service should be all that you need. Check guarantee, in addition to using a verification service can actually cost you more money to process. Unless you yield a high sales volume each month to cover the extra cost for using a guarantee service, just stick with verification.
Check Verification with Conversion means that not on is the check Verified but it is also “converted” into electronic funds, this means that you do not have to deposit the check into your checking account; the funds will be deposited into your checking account for you automatically.

Who Needs These Solutions?

Check guarantee/verification is a benefit to any retail-type business that accepts checks. If your business cannot afford check losses, you will want to consider getting the check guarantee solution.

How Do You Get The Best Deal In Check Guarantee?

• Look for the most reasonable monthly minimums and statement fee.
• Look for the most payment times per month possible, this varies from one to four times per month.
• Look for online reporting.
• Look for the most liberal check acceptance policy out there.
• Make note of which checks ARE NOT COVERED under the program.
• Consider stop payment coverage.
• Try to get a system with a check reader that can automate the verification process (if you’re using retail hardware).
• Find out if the provider has a set number of “bad checks” that they will consider before labeling your account as high risk.
•  

How Do You Get The Best Deal In Check Verification?

• Look for the largest National Negative Database possible, there are fewer than 10 companies that are really big
• Make sure that the Negative Database has a large following of merchants in your geographic region
• Look for a verification system that provides not just negative data, but also positive data
• Look for a verification system that has sophisticated “Rule Sets”; these are programs that use logic to analyze many variable to screen out adverse risks as defined for specific business types
• Look for online reporting
• Try to get a system with a check reader that can automate the verification process (if you’re using retail hardware).

Buyers’ Guide to Online Payment Acceptance

Welcome! Below is an outline of the journey we will take to learning about payment acceptance. Some sections you may already be familiar with, if so, just skip ahead. You can also click any of the headings or sub-headings below to go to that particular section.

Otherwise, just click the “Next” button at the bottom of the page.

1. Introduction
2. Commonly Used Words & Phrases
3. Credit Cards
   • The Merchant Account
   • International Merchant Accounts
   • Real-Time versus Deferred Processing
     
     • a) Real-Time Processing
     • b) Secure Payment Gateways
     • c) Deferred Processing
     •  
   
   
   
   • How Online Transactions Are Processed
   • Rates & Fees Involved
   • Purchase or Lease?
   • General Questions To Ask
   • Questions For Internet Real-Time Processing
   • Third Party Credit Card Processors
   • Chargebacks and Fraud
   •  
4. Secure SSL Certificates
5. Shopping Cart Software
6. Alternative Payment Acceptance Services – Introduction
   • Debit/ATM Card Processing & eChecks
   • Micropayments & Digital Cash
   • Escrow Services

Explanation of Credit Card Processing Solutions

In order to process credit and debit cards through your merchant account, you need to decide which processing solution is right for you.
Retail Swipe Terminal – This particular solution is for retail and storefront merchants who see their customers face-to-face. This type of solution incurs the lowest merchant account processing fees since you actually are able to swipe the customers credit card through the terminal. It is believed that orders that are swiped have a lower fraud risk, hence the reason for the lower processing fees. Check out our Complete Guide to Retail Merchant Accounts & POS Swipe Terminals.
Real-Time Processing – This is the solution for businesses on the Internet. Real-Time allows you to automatically process credit card orders through your merchant account with no assistance needed on your end. Everything is automated, and the funds transferred into the merchant account, from the cardholder, is deposited into your business checking account, within a few days. All Real-Time solutions are secure and the purchase of a secure certificate is not usually required. Get more information on a real-time internet merchant account.

Virtual Terminal – If you are a merchant on the Internet and expect to receive orders via phone, fax or mail then getting a Virtual Terminal solution (along with a Real-Time processing solution) is the best route to go. The Virtual Terminal is a secure website where you login and manually type in a customers credit card information. Once the information is submitted, it is securely processed and funds are then deposited into your merchant account within a few days. A Virtual Terminal can be accessed securely from any computer connected to the Internet. Most all Real-Time processing solutions also come with a Virtual Terminal at little or no additional cost. Virtual Terminals can also double as good mobile processing solutions, click here for more information.

Wireless Merchant Solutions – There are two types of mobile solutions, solutions that allow you to swipe a credit card in a mobile environment and Touch-Tone solutions that allow you to manually enter card information into a touch-tone phone. The Touch-Tone solutions are usually good for smaller mobile merchants that want to process credit cards in a mobile environment without high startup costs. The wireless swipe terminal solutions are great for merchants that don’t mind purchasing the terminal up front (purchasing is usually better than free terminal options as often times free terminals come with hefty termination fees). Both the touch-tone and wireless swipe solutions have benefits, it really depends on your business needs in the area of credit card acceptance. Find out more about available wireless merchant accounts.

Credit Card Processor

The credit card processor gathers the information provided (either via website, phone or retail swipe terminal) and performs a series of security checks. These checks make sure there is enough funds available in the cardholder’s account, makes sure the credit card is not reported as lost/stolen, verifies the billing address the customer provided at the time of the order with the credit card number provided, checks to confirm the correct cardholder name and expiration date were given, and can even verify the correct security code (CVC or CVV) on the back of the credit card should one have been entered during the ordering process.
After the information is processed by the credit card processor, the funds are then deducted out of the cardholder’s account and placed into the merchant’s business checking account. Should the cardholder request a refund, the processor does the exact opposite by taking the funds out of the merchant’s account and placing it back into the cardholder’s account within a few business days.

Specialty Scenarios – What are your processing needs?

Credit card merchant account is something provided by a Merchant Account Provider or bank that allows you to accept credit cards in your business. A credit card merchant account can be setup for any business type. Your business type and credit rating will determine what rates and fees you will incur with your credit card merchant account. Internet and mail order/telephone order (MO/TO) merchants will find that processing fees will be higher than for a retail establishment. The reason is because it is believed the level of fraud is considered much lower in retail then it is when a card is not present to be swiped. Listed below are a number of scenarios. Each case is linked to a cost effective merchant services solution that best fits what you are looking for, or to a comparison of credit card processing companies. Which one fits you?

GOOD NEWS

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we are the professional online payment gateway ,we can accept visa,master ,JCB,AE credit card payment method ,all high risk  business types welcomed! 99.9 % approval rating!Never locked your merchant account!Low, competitive rates .

skype:goodluck3801
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website site:http://www.ecpss.com/index_en.html     

How to reduce chargeback and fraud efficiently

Merchant concern about online credit card fraud and chargebacks is rising at a significant rate. According to the 2001 Online Fraud Report, conducted by Mindwave Research, it revealed that, “41% of merchants say the issue of online credit card fraud is ‘very serious’ to their business.” As e-commerce continues to flourish the number of instances of credit card fraud and chargebacks will continue to mount higher. It should go without saying that the need to take certain measures to reduce and virtually eliminate chargebacks and fraud is certainly paramount.
Chargeback, the word that Internet merchants fear. A chargeback is what it’s called when a transaction is reversed. In other words, rather than adding money to your account it is deducted. Chargebacks can occur for a wide variety of reasons, such as double-charging, credit card expiration, bank error and customer disputes. If you get too many chargebacks against you, there is a possibility that you will lose your merchant account. Once you’ve lost your merchant account you are placed on the Visa/MasterCard Terminated Merchant File (TMF/MATCH list) for several years which all Merchant Account Providers have access to, and if they find you on the list they won’t reissue a merchant account to you. If you are one of those merchants who have lost their merchant account, there is still hope. Bank Card Law specializes in helping companies who’ve lost their merchant account because of excessive chargebacks.
Here are some ways you can greatly reduce the instances of chargebacks and fraud, even potentially eliminate the risk altogether:

#10 If the customer is present examine the card carefully
One common sense method to fight chargebacks is to examine the customer’s card. Look at the expiration date and the signature panel for good measure. If the card does not have a signature you are free to check the customer’s ID. You may also request that the customer signs the card and if the customer refuses, you may decline to accept the customer’s credit card.
#9 Verify CVC2 and CVV2 Verification Numbers
This tactic alone can not only reduce instances of chargebacks by 26%, according to Visa, but also reduce any pass-through fees that may be charged when a credit card order is conducted. On the back of MasterCard, most Visa and Discover credit cards is a 3-digit security code located right after your credit card number. Requiring customers to give the 3-digit code acts as an additional verification measure. American Express cards also have a similar security code that is located on the front of the card right above the cardholder’s account number and is usually 4-digits long. Most online payment processors support entering the security codes when processing credit card orders. Check with your payment gateway provider (i.e. Verisign, Authorize.Net, ECHO Inc., etc) for details.

#8 Use Address Verification System (AVS)
AVS checks to ensure the address entered on the order form matches the address to where the cardholder’s billing statements are mailed to. People ordering products and/or services using a stolen card number will never use the real cardholder’s billing address, so this is your chance to stop the order before it’s too late. AVS only works with orders conducted in the US. Failure to use AVS when processing credit card transactions will always result in paying higher credit card processing fees.
#7 Scrutinize orders from developing foreign countries
A large percentage of fraudulent Internet purchases are made from Indonesia, Russia, and other eastern block or developing countries. Accept orders from such countries at your own risk until a worldwide AVS system is developed.
#6 Let customers know what name will appear on statements
Many merchants who use 3rd Party Processing companies have run into problems because the company name that appears on cardholder’s monthly statements is usually the name of the 3rd party processing company and not the company name of the site the cardholder made their purchase from. This isn’t always the case, but in many cases it is. If you use a 3rd party processor, and even if you don’t, make sure the customer knows what name will appear on their credit card statement at the end of the month. This will help to reduce any confusion that might would otherwise occur.
#5 Handle suspicious orders accordingly
If an order seems suspicious the best way to handle the situation is to either call or e-mail the customer and attempt to verify that they placed the order. As a rule of thumb, if in doubt, check things out. It may be a good idea that if a customer makes an unusually large volume purchase from your site to follow-up with a verification call. This is where a system like VoiceStamps, featured here, can come in very handy.
#4 Watch out for orders using free e-mail addresses
Be wary of accepting orders from people who used a free e-mail address when ordering (i.e. Hotmail, Yahoo, etc.). Tracking people who used a free e-mail address is almost impossible, it’s much easier for them to get away then if they used their Internet Service Provider (ISP) or their own company web site e-mail address. To check whether an e-mail address is a freebie or not just take the part of the address after the “@” symbol, add “www” to the front of it and see what website it brings up (i.e. joe@yahoo.com = www.yahoo.com).

#3 Signatures on delivery
If your business delivers products use a carrier that requires a signature on delivery, and allows you to have a copy of the signature. Retain these for your records.
#2 Request fax copies of ID and credit card
You may want to request your customer to fax a copy of both sides of their credit card and driver’s license. This tactic usually works best in a B-to-B (business to business) sales environment. While this is not a defense under Visa or MasterCard rules, it is yet another way to deter fraud.
#1 Posting a warning message
Taking the time to post a warning message on your order page to those who may attempt to make a fraudulent order will greatly deter the number of instances of fraud. Be sure to mention that IP (Internet Protocol) addresses are being logged. IP addresses can come in handy when locating people about fraudulent orders.
Taking measures to deter and eliminate fraud and chargebacks from occurring are a necessity in order to operate a successful online business. Each day companies dedicated to risk management are developing solutions to provide merchants, like yourself, with extra protection because of the financial burdens chargebacks and fraud can bestow if ignored.
Are you tire to find a professional payment gateway for your great business ?
we are the professional online payment gateway ,we can accept visa,master ,JCB,AE credit card payment method ,all high risk  business types welcomed! 99.9 % approval rating!Never locked your merchant account!Low, competitive rates .
skype:goodluck3801
E-mail: paymentgateway@yahoo.cn

The advanced Online Payment Processors

                                                        Set up, manage, configure

                     Selecting the right online payment processor has a huge impact on your business. It has to be robust enough to process all of your sales, while remaining customizable and user-friendly enough to meet your specific operational and administrative needs. ECPSS payment processing certainly has all the features you need to be successful, and a multitude of tools to help drive results.

               Integration Center – a user-friendly online interface full of helpful tips, tools and resources regarding account set-up, ECPSS services and features, customizable settings within the Admin Portal, and more.

               APIs – ECPSS APIs and Subscription Management System (SMS) enable you to have high degrees of account management directly from your website or control panel.
App Portal – for years developers and programmers have been creating applications to complement ECPSS systems and enhance some functionalities. The App Portal is a centralized online location for these created products and toolsets where you can view and select any you wish to use, or upload your own complementary application.

                  However you want to set up or configure your account, ECPSS has the resources to help. Should you require additional assistance, several FAQs, Demos, and the online Knowledge Base are available as well, and the Support Team is ready to assist 24/7/365.