Frequently Asked Questions

Some common answers to questions.

 

I have never accepted credit cards. How do I get started?
Simply contact us toll free at (800) 604-0281 or via email at Info@SwipeAGP.com. We can get you up and running in 24-48 hours.

If you have no prior card processing history, here’s an overview of our program for new to the credit card processing businesses:

  • True cost from card associations (Visa®, MasterCard®, Discover®, American Express®)
  • No long term contracts
  • Next day funding
  • 24/7 support
  • Free EMV Equipment for qualifying merchants

In most cases, our pricing is cheaper than national programs like Square® and PayPal®.


Does Advanced Global Processing offer FREE EMV equipment?
Yes. Advanced Global Processing will provide a FREE Terminal Rental to qualifying merchants. To qualify for a FREE Terminal Rental, you must process $10,000.00 or more per month in credit card volume.
Send a statement to Info@SwipeAGP.com to see if you qualify!


Do you have a contract term and cancellation fee?
Our contract is assumed 3 years. However, you may cancel your account anytime without cause by giving 45 days prior written notice. If you provide the proper notice you will not be billed a cancellation fee.


How do I apply for a merchant account?
Simply click here and complete the form. Your dedicated account manager will walk you through the process step by step.


How soon can I use my account?
In most cases within 24-48 hours from the time you submit your application.


How long will it take me to fill out the online merchant form?
Signing up is simple and easy and takes approximately 5 minutes, simply click here to get started.


How long does the approval process take?
Generally, once an application is signed, it takes one business day for underwriting to approve. Ask your account manager to expedite your application and we may be able to get the account approved same day.


Do you offer next day funding?
We do, all merchant accounts are setup with early merchant funding. The cutoff for early merchant funding is 8:00 PM PST and includes American Express OptBlue® transactions.


What credit cards will we be able to accept with a merchant account from Advanced Global Processing?
You can accept all card types which include Visa®, MasterCard®, Discover®, and American Express®. You may also accept PIN Debt and EBT transactions.


What if I have less than perfect credit?
Don’t lose hope, let our Underwriting department determine if you qualify for a merchant account. In most cases, if you are in good standing with your current processor and do not have significant collection debt, we can work with you.


Can I use a smartphone, tablet or my computer to accept credit card payments?
Absolutely! With AGP Online your business has access to all major card brands and optional integrated ACH checks. Convert your desktop into a reliable and easy to use web point-of-sale or plugin a mobile card reader to your smartphone or tablet and accept payments on the go!


What documents do I need to open a merchant account?

In most cases, all you need is:

  • Completed and signed merchant application
  • Voided check (not temporary) or bank letter
  • Business License or Sellers Permit
  • Driver’s License, State Issued Identification Card, or U.S. Passport

You may be asked for previous processing statements, tax forms, or personal bank statements depending on the business type and signer’s credit.


Do I need to have an American Express® or Discover® account before I apply?
No. Advanced Global Processing has you covered. All merchant accounts are enabled with Visa®, MasterCard®, Discover®, and American Express®.

If you are a national franchise and have an existing American Express® and Discover® merchant ID, simply provide the merchant ID’s on the merchant application.


Do you offer Level 2 and 3 processing?
Yes! With AGP Online level 2 and 3 processing is made easy. Your B2B transactions can qualify at a better interchange rate that will save you a significant amount per transaction. Advanced Global Processing can help ensure you are collecting the correct information to take advantage of these savings.


Will I receive a monthly statement?
All merchants have the option to receive a monthly paper statement by mail or digital statement online through the merchant portal.


What is a payment card surcharge?
A payment card surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer's bill when he or she uses a card for payment.


Can I add a surcharge to card transactions?
Due to the legal settlement to resolve claims brought by a group of U.S. merchants, merchants in the U.S. and U.S. territories a merchant may add a surcharge to certain credit card transactions, starting January 27, 2013. Merchants who choose to surcharge must follow consumer disclosure and other requirements agreed to as part of the settlement.


When can I begin to surcharge?
U.S. merchants must first notify Visa and their acquirer of their intent to surcharge at least 30 days prior to implementing surcharging. Merchants can submit a notification form to Visa at www.visa.com/merchantsurcharging. Merchants may not begin surcharging until January 27, 2013.


What should I consider when determining whether to assess a surcharge on a card transaction?
Before choosing to surcharge, U.S. merchants may want to consider several factors, including:

  • The potential impact on your customers’ experience
  • What your competitors might be doing
  • What information must be disclosed to your customers, and how
  • The cost of credit cards and other forms of payment

I am a merchant who intends to surcharge. What is the process I need to follow?
U.S. merchants that intend to surcharge are required to:

Notify Visa and your acquirer at least 30 days in advance of beginning to surcharge; a notification form to Visa can be submitted at www.visa.com/merchantsurcharging

Limit surcharging to credit cards only (no surcharging debit and prepaid cards) and limit the amount to your merchant discount rate for the applicable credit card surcharged

Disclose
the surcharge as a merchant fee and clearly alert consumers to the practice at the point of sale – both in store and online – and on every receipt. Merchants should also consider whether they comply with all applicable state or federal laws. Currently, 10 U.S. states have surcharging restrictions including California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas. In cases where the applicable merchant discount rate exceeds 4% of the underlying transaction amount, in no event can the merchant assess a surcharge above 4%. Information provided here is subject to Visa’s operating regulations relating to surcharging.
More information on rules and requirements related to surcharging can be found at www.visa.com/merchantsurcharging.


Can I assess a surcharge on both credit and debit card purchases?
No. The ability to surcharge only applies to credit card purchases, and only under certain conditions. U.S. merchants cannot surcharge debit card or prepaid card purchases.


Can I assess a surcharge on debit card transactions for which the cardholder using a debit card chooses “credit” on the point of sale terminal?
No. The ability to surcharge only applies to purchases made with a credit card, and only under certain conditions.


Are there limits to the amount I can surcharge?
Yes. U.S. merchants may assess a surcharge on credit card purchases that does not exceed the merchant discount rate for the applicable credit card surcharged. In cases where the applicable merchant discount rate exceeds 4% of the underlying transaction amount, in no event can the merchant assess a surcharge above 4%. Information provided here is subject to Visa’s operating regulations relating to surcharging. More information can be found at www.visa.com/merchantsurcharging.


Can I choose to surcharge Visa credit cards and not surcharge other card brands?
Yes, however, merchants must surcharge Visa on the same terms and conditions as any equal or higher cost competitor that imposes limits on surcharging.


Am I required to disclose the surcharge to my customers?
Yes. U.S. merchants that surcharge must disclose the surcharge dollar amount on every receipt. In addition, disclosures that a merchant outlet assesses a surcharge on credit card purchases must be posted at the point-of-entry and point-of-sale.
Disclosure requirements and sample compliant signage can be found at www.visa.com/merchantsurcharging.


What laws exist that may relate to surcharging?
Currently, 10 U.S. states have surcharging restrictions including California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas. Please consult with legal counsel to determine whether your practices comply with relevant state law.


I operate stores in multiple states. I understand that state laws prohibit me from surcharging in some states where I operate, but not others – does that mean I can’t surcharge in any of the states where I operate?
No. If a merchant is prohibited from surcharging in one state, Visa’s rules do not prevent the merchant from surcharging in other states that allow the practice.


Can I pick and choose what types of Visa cards I add a surcharge to?
U.S. merchants have the option to add a surcharge at the “brand level” to all Visa credit card transactions, or to particular types of Visa credit card transactions at the “product level” (e.g., Visa Traditional, Visa Traditional Rewards, Visa Signature), but not both.


Does the ability to surcharge apply to merchants globally?
No. The settlement agreement impacts Visa’s rules related to the surcharging of credit card purchases made in the U.S. and U.S. territories only. Surcharging remains prohibited outside the U.S. unless there is a local law or variance that requires merchants be permitted to engage in the practice.


Where can I get more information about Visa’s rules related to surcharging, requirements for surcharging and other related information?
Merchants can access this and other information by visiting www.visa.com/merchantsurcharging.


I don't take card type payments because it's too expensive.
You will be amazed how this small adjustment will make your bottom line better with no obligation. Call now for a free consultation.


I already take credit/debit cards.
Call now for a free consultation as I'm sure we can save you time and money off your current arrangement.


Do you fully support the payment processing equipment?
Of course! Our friendly and knowledgeable U.S.A. based technical support reps are available to answer your questions 24/7/365.


How is sensitive information secured?
The Payment Card Industry (PCI) Data Security Standard (DSS) is a set of requirements for ensuring the security of credit card transactions. The major credit card companies created an independent council to develop these standards to minimize identity theft and credit card fraud.


Do you have customer service?
Of course! Our friendly and knowledgeable customer services reps are available to answer your questions 24/7/365.