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Merchant FAQs

1. What is a merchant account?
   A merchant account is a relationship and a trust you have with a bank that has agreed to allow you to charge people's credit card, while they honor it and deposit the funds into your account. The bank (our partner, United Bank Card)is responsible for debiting the funds from the customer and depositing it into your account. There must also be a processor involved that processes the credit cards for the bank and lets them know the funds are available. A merchant account is essentially a line of credit extended to the merchant by a processor and when you are given a merchant account, they are relying on you to uphold your promises to your customers by delivering the products and/or services to them in a timely manner.
2. What cards can I accept?
   You have the ability to accept all major credit cards, including: Mastercard, Visa, American Express, Discover, and Diners Club Cards. American Express, Discover, and Diners Club all require separate applications and are subject to their own terms and conditions.
3. What kind of equipment do I need?
   The equipment required depends on the type of business you’re establishing a merchant account for and we offer recommendations for each processing type:

   • a) Internet Processing – This requires a Virtual terminal and payment gateway which is the secure line that transmits your customer’s credit card information over the Internet, from your website to United Bankcard for verification. Our recommended gateway provider is Authorize.net.

   • b) Retail Processing – This requires a Point of Sale Hardware terminal which is used to swipe your customer’s credit card and transmit their information over a dedicated phone line for authorization from your processor. Our recommended terminal is Nurit 8320 which is free with an approved application.

   • c) Mail/Telephone Order Processing – If you accept credit cards over the phone or by mail, the equipment will vary depending on your individual needs. You can opt to go with a Point of Sale Hardware terminal which can be used by manually entering your customer’s credit card information using the terminal’s keypad. Our recommended terminal is the Nurit 8320 which is free with an approved application.You can also go with a Virtual terminal and payment gateway which you will access by way of login and password using your PC and Internet connection. You will manually enter in your customer’s credit card info using a web form provided by your Virtual terminal and submit. The info will transmit over the Internet via the secure payment gateway and return with an authorization or a decline. Our recommend gateway provider is Authorize.net.

   • d) Wireless Processing – This requires a Wireless POS terminal that acts much like a cell phone in that it depends on a wireless network to call out for authorizations. These terminals are completely portable and can be used to accept credit cards anywhere, at anytime. Our recommended wireless terminal is the Nurit 8000.

4. How much of an initial investment am I looking at?
   The only initial investment involved in setting up a merchant account is your equipment cost. Unlike many processors, there is no Application or Set-up Fee for the actual account and your monthly rates and fees depend on which processing type your business qualifies for. If your are a Retail or MOTO business looking to use a POS terminal, we invite you to take a look at the Nurit 8320 which is free with an approved application.
5. How long does it take to get set up?
   Gazungle now offers Same Day Approval when you fill out our ONLINE APPLICATION. 98% of the time your application will be approved within 24 hrs and your equipment installed within 48 hrs of applying. There are situations where we might require additional information or forms of identification and if this is the case, one of our Merchant Specialists will contact you within 24 hrs to obtain the information necessary for approval.
6. What information do I need to apply?
   Because your merchant account is essentially a line of credit extended to you, the information required for the application and approval is similar to that of a bank or business loan. All info is used to establish you as a real business and is the foundation of your Processor’s relationship with you.

   The following info is necessary for approval:

   a) Federal Tax ID Number
   b) Routing and Account Number of the Business Checking Account you wish your funds deposited into.
   c) Ownership Type, ie. Sole Proprietorship, Partnership, Corporation
   d) Principal’s Social Security Number
   e) Estimated Average Monthly Volume and Average Ticket Amount

7. How do I apply?
   You can sign up right now using our Application, and a Merchant Specialist will contact you within 24 hrs to go over all account information, or feel free to contact us at 877-Gazungle and a Merchant Specialist will be happy to walk you through the application over the phone.
8. What if my business is seasonal?
   Gazungle does offer Seasonal merchant accounts. Simply let us know what months your business is operational and we will set your account to be serviced during those months and automatically go on hold when your business is not functioning. Certain restrictions do apply and all months must be consecutive.
9. What are your customer service hours?
   Gazungle is committed to being able to service their customers 24 hrs. a day, 7 days a week. Providing top notch customer service and technical support is a responsibility taken very seriously. Our partner, United Bank Card's reputation for outstanding service has led to numerous awards and nominations in our industry, including "Best of the Best" in 2003 by the Green Sheet. With two support centers our customers will have 100% guaranteed and reliable service.

   Customer Service: 800-201-0461
   Technical Support: 800-632-1888

   * Merchants are now able to login to the Interactive Merchant System to view their statements, batches, transactions and exception reports online in real-time.

10. How long does it take for the money to reach my account?
    Once your transaction has been approved, United Bank Card will fund the money into your designated business checking account within 48-72 hrs.