About Payment Processing

The ACH (Automated Clearing House) is a system that allows money to be transferred electronically to the company or individual's deposit account. It is a form of e-payment. The communication network for the ACH processing uses the Federal Reserve Banking system to transfer money to and from your savings and checking accounts. A major number of banks in the US participate in the ACH processing network and are bound by certain rules and regulations.

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Yes you can! There are two methods of doing this:

• Log into the payment gateway and go to "Grab HTML" section. Then go to either shop cart type if your product is shop cart type, or go to Display Online if your products is Direct Type. All your products will be listed when you click on one of these options. In front of the product, a test link will be given. Just click on this link and you will be taken to the order page which is in the test area. Enter any credit card number and expiry date and you will not be charged for it (as this is the test area).
• The second method is a test number which you can use and you will not be charged. To get this number for testing, simply email us at: support@instabill.com and ask for the test number.

Yes, we do. For business' wishing to handle their own customer service inquires, Instabill can provide a billing descriptor that incorporates a business abbreviation and customer service number if desired. For those businesses who do not wish to handle customer service calls, Instabill can provide their own descriptor on credit card statements and therefore manage merchants' customer service inquiries.

A) A 3-D Secure merchant accounts are suitable for certain high risk eCommerce businesses as an additional cardholder password is required to authorize the credit card transaction.

B) Many 3-D secure cardholders forget their second password, causing the bank to decline the transaction. In these instances, it is not the merchant account acquiring bank declining the transaction; it is the cardholder's bank.

Browsers using SSL have their own identities known as the digital certificate which are generally used for authenticity. These digital certificates are also used to create public keys. Encrypted server public keys are sent by the browser after initial authentication. The web server decrypts the key and a set of keys are generated that are later used by the browser and server for simultaneous negotiations. After this process a secure tunnel is created and private transmissions begin.

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Approval must be granted from the bank prior to an additional website becomes payment processing active. If the new site has a similar industrial theme to the original site, payment processing can usually begin that day on the new site.

Yes, if your account is approved for Mail Order/Telephone Order (MOTO) using virtual terminal. If you do not have the MOTO option, your customers will have to make the order online.

Any changes from your original application data MUST be disclosed to Instabill for approval. This procedure will avoid any fines, delays in payment, or account interruption.

3D Secure is designed and developed by MasterCard and Visa to secure online transactions. As a new technical standard, 3D Secure is designed to reduce risks of unauthorized card usage. With this new technology in place, online shopping has become more safe and secure for the merchants and the customers. Visa has branded their system as 'Verified by Visa' and MasterCard offers its system under the brand of 'MasterCard SecureCode'. Although 3d Secure offers a wide and superior range of protection system merchants must not consider it as the universal-remedy for all kinds of online payment fraud.

Read more about 3d-Secure and it's advantages...

A billing descriptor is the name that appears on the customer's credit card statement.

After the "Clear Copy Request" process, if the cardholder still says it wasn't them and the merchant has no proof of delivery or authorization in writing, then Visa, MasterCard and American Express will chargeback the dollar amount of the transaction to the merchant. Under the Merchant Accounts Agreements For all merchant accounts the catalog system will group items together. I you are selling computers, you can divide your products into 5 or 6 categories: monitors, hard disks, keyboards, software, etc. You can then define products with the appropriate catalog.

SSL (Secure Sockets Layer) is known for securely transmitting data online. Used by every browser and web server, the SSL encryption allows maximum security and reliability. Processors that provide online transactions especially credit card payment transactions need to protect sensitive data from internet fraud.

SSL secure page are accessed using the 'https' prefix. They also tend to display a security lock icon in the browser's status bar. SSL accelerators help websites perform better, which otherwise tends to become slow due to major performance strains. This in turn allows better SSL processing.