Frequently Asked Questions
Click on the merchant account FAQs below for answers to the most common questions we get asked.
What kind of training do you provide?
BCCPay offers a variety of training including credit card terminals, reprogramming, and merchant portal training to help assist our merchants.
What is a chargeback?
A chargeback is a transaction that is disputed by the cardholder or card holders issuing institution. It can occur when a proper card acceptance and authorization procedures are not followed. When merchants receive a chargeback, their deposit account will be debited for the indicated amount. The merchant may also have an addiction fee if he or she fails to follow the proper acceptance and authorization procedures.
How often should I batch?
We recommend that you batch your transactions everyday.
Should I connect my terminal through a phone or internet line?
It depends on the hardware you are using. If you choose the telephone life, make sure to have a dedicated landline because things like call waiting and other incoming calls have the possibility of interrupting or canceling a transaction. Most businesses do not need to dedicate a landline for their terminals since they prefer using an internet-connected terminal to enable faster transactions.
What are Near Field Communications (NFC) and how do they work?
NFC contactless transactions (ApplePay, Samsung Pay, etc.) allow two equipped devices that are placed near each other to exchange pieces of data. For this to work, both devices must have a NFC chip. These transactions are very safe because they create unique digital signatures.
What is the difference between an issuer and an acquirer?
A financial institution that maintains the merchant credit card processing relationship and receives all transactions from the merchant to be distributed to the card member banks is an acquirer. An issuer is the financial institution that is issuing the credit card to an individual or business.
How soon will I get my deposits?
We offer next-day funding (except on bank holidays) with cut times as late as 12 am EST to qualified accounts.
What is the length of my merchant agreement?
Most merchants qualify for the month to month service agreements. For the rest, a standard service agreement (typically 3 years) apply.
What is PCI compliance?
The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements that is designed to ensure that companies that process, store, or transmit credit card information maintain a secure environment.
Why am I being charged a PCI fee?
The annual PCI service fee is assessed by us to mitigate the cost that is associated with maintaining compliance, updating terminal software, and replacing non-compliant hardware.
Why do I need to be PCI compliant?
PCI compliance is required for anyone who accepts, stores or transmits payment card information. The PCI mandate is part of the major brands operating regulations under which the business or the individual is allowed to operate merchant accounts and accept cards. The terms and conditions you sign when you open an account with us states that the operating regulations must be adhered to. For more information visit –
How do I change my high-ticket amount?
A written request to update your high ticket amounts will be needed. Additional information may be requested after receiving and reviewing your letter.