Can I use my current merchant processing account with JustAddCommerce?

If your current Merchant Processing account is an Internet account with either Nova Corp. or Authorize.Net, yes you can use your account with our JAC Real Time version.

If your current Merchant Bank account does not use either Nova Corp. or Authorize.Net as the gateway, you will have to either apply for an account through us or manually process the orders on your end using your own physical or virtual terminal. This method is compatible with the JAC Standard version and is not real time processing. [ back to top ]

Can I use my Costco Nova merchant account with JustAddCommerce?

If you already have a Nova merchant bank account through Costco, you can use the JustAddCommerce proprietary gateway to link to your merchant bank account for real-time processing. The JAC gateway includes a Virtual Terminal.

What you will need to interface your Costco Nova account to our gateway:

• Purchase a copy of JustAddCommerce Real-Time for your shopping cart
• Provide us with your MID (Merchant Identification Number) so that we can create the necessary TID (Terminal Identification Number) for your gateway.
• Interface your Nova account to your JAC account to activate the full real-time processing function, including the virtual terminal.

What your costs to Rich Media Technologies, Inc. will be:

• $399 for the JustAddCommerce software/service for the first year.
• $20 per month gateway fee.
• $329 annual renewal fee for your JAC account. (Link to service fee info)

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What is an E-Commerce site?

Simply put, an E-commerce or Online ordering web site is a virtual storefront as opposed to a "Brick and Mortar" Retail store. However, there are many similarities to the two type of stores. An E-Commerce storefront consists of 3 basic parts; the web site, the ordering system, and the bank processing. A "Brick and Mortar" Retail store consists of 3 parts as well; the store, the sales people/order takers, and the bank processing terminal. Within the bank processing for both types, you have a Merchant Bank processing account that processes and captures the funds from credit card purchases plus your Business bank account where the funds will be deposited. [ back to top ]

What internet processing gateways are compatible with JAC?

For Real Time processing, JAC is compatible with Nova Corporation or Authorize.Net Merchant Processing accounts. [ back to top ]

Why do I need a Nova or Authorize.Net Merchant Bank account?

You will need either a Nova or Authorize.Net Merchant Bank account in order to accept and process—in Real Time—the credit card payments of the orders taken through your JAC ordering system on your web site. Nova and Authorize.Net are gateway credit card processors through which your web site orders are processed and approved. They process the credit card for you, capture the funds, and then direct deposit those funds into your Business bank account. [ back to top ]

How do I get my Merchant Bank account?

You can apply Online via the Account Applications link above for either a Nova Corporation or Authorize.Net account. [ back to top ]

Once I apply for a Merchant Bank account, how long does it take before it's approved?

The approval process for a Merchant Bank account is between 2 to 14 business days on average. If the application is complete and contains all the information that is required, the process takes less time. [ back to top ]

What credit cards can be processed through Nova or Authorize.Net Merchant Bank accounts?

When you are approved for a Merchant Bank account, you are approved to take Visa and MasterCard credit cards. With a Nova account, if you wish to accept American Express and Discover cards, you will need to sign a separate form that we will provide to you and submit with your application packet. With an Authorize.Net account, you will also need to sign a separate form for American Express that we will provide to you, and you can set up the Discover account by calling them directly once you have your Merchant ID (MID) from Authorize.Net. A Diner's Club account for Nova or Authorize.Net requires a direct application through Diner's Club. [ back to top ]

Can I accept Electronic or ACH checks?

The Electronic check (or ACH) feature is available through Authorize.Net only. You must apply for E-Check services directly through the Authorize.Net web site once your Authorize.Net account is approved. This service has separate fees. [ back to top ]

What are the Merchant Bank fees for an Internet account?

An Internet Merchant Bank account has the same fees as a standard or retail merchant bank account. You will be charged a percentage discount rate on each sale (Nova and Authorize.Net begin at 2.40%), plus a transaction fee per order (Nova and Authorize.Net are $0.43), plus a monthly statement fee (Nova and Authorize.Net charge $10). There is an additional monthly fee for Internet accounts called a Gateway or Appliance fee (Nova and Authorize.Net charge $20). The minimum sales volume per month you must do with Nova is $15 and with Authorize.Net is $25. If you do not have sales exceeding those volumes, you will be charged the minimum as a flat fee for the particular month. The Fees page further explains the fees, as well as the Merchant agreements for each company. [ back to top ]

Are the fees included in my Nova or Authorize.Net Merchant accounts for American Express, Discover and Diner's Club accounts?

No. American Express, Discover, and Diner's Club are all individual companies. The cards are processed through your Nova or Authorize.Net account however, each card has it's own fee structure and statement that you will receive. [ back to top ]

Do I need a credit card terminal with my Internet Merchant Bank account?

No. You will have use of a Virtual Terminal with both the Nova Corporation and Authorize.Net Merchant Bank accounts. The Virtual Terminal is free of charge and has all of the same functions as the physical credit card terminal. It will allow you to do sales, credits, forces, authorize only transactions, voids, and batches.  [ back to top ]

Why are the discount rates higher for an Internet Merchant Bank account?

Internet Merchant Bank accounts are considered to have a higher risk factor for processing companies because the cardholder is not present when the sale is made.  [ back to top ]

Can I use my Retail Merchant Bank account and credit card terminal for my Internet processing?

No. Visa and MasterCard regulations do not allow you to use a Retail Merchant Bank account for Internet processing. However, both Nova Corporation and Authorize.Net offer combined Retail/Internet Merchant accounts which can save you money on fees and provide you with the necessary accepted Merchant Bank accounts for your Retail store and Internet site.  [ back to top ]

Can I use a credit card terminal to process phone or mail orders for my Internet account?

A physical credit card terminal can be re-programmed for use with an Internet Merchant Bank account in order to process phone or mail orders. However, you can also process phone or mail orders through your Virtual Terminal and save on Terminal fees. For more information, please call our Sales office at 1-866-343-4206 .  [ back to top ]

How do I process orders through my Internet account when I am at a trade show?

If you have Internet connectivity at the trade show, you can access your Virtual Terminal and process the orders in Real Time. If you only have telephone connectivity, you can use the 800 numbers for Visa, MasterCard, American Express and Discover and call for an authorization. (Note: After you've received telephone authorizations, you must do a Force of each transaction through your Virtual Terminal. This enables the funds to be deposited into your Business Banking account.)  [ back to top ]

What is the difference between a Void and a Credit?

A Void can be done on a credit card sale if the Daily Batch has not closed. Both a "Details" and a "Void" button will be displayed on an Open Batch within your Virtual Terminal. A voided transaction will not show on your customer's credit card statement. Once the Batch has closed, you must do a Credit on the closed sale. On closed Batches, only the "Details" button will be displayed within your Virtual Terminal. A credited transaction will show as a credit on your customer's credit card statement.   [ back to top ]

When and how are Batches closed?

Both Nova Corporation and Authorize.Net do Automatic Batch closes daily. They are usually done late at night between 10 p.m. and midnight.  [ back to top ]

When is the money deposited into my business bank account?

The money that has been captured by Nova Corporation or Authorize.Net when they process your customer's credit cards is generally deposited into your account within 1-3 business days.  [ back to top ]

How do I know that an order has been approved by Nova or Authorize.Net?

You will receive an email notification when an order has been accepted and approved. The approval number will appear in a yellow bar on your customer's order when you retrieve the order from your JAC account.  [ back to top ]

What can I do to protect myself from fraud?

There are several things a merchant can do to protect from fraudulent orders. You should always look at the customer's information and the authorization message. Each order should contain an approval code plus the words "AVS Match". AVS (Address Verification Service) is a system where by the customer's billing address on the order is compared to the billing address for their credit card. If the billing addresses match, you will receive "AVS Match" after your approval code. If you receive any other message (ex. AVS zip) or no AVS message, we recommend you contact the customer before shipping the product out—it may be a fraudulent order. Additionally, you may want to contact a customer if the item is shipped out of the US, if the order amount is unusually high, or if any other questionable information is given. A simple phone call may protect your business and save you money.   [ back to top ]

If I know that an order is fraudulent, should I void the sale or wait for the cardholder to do a chargeback?

If you decide a sale is fraudulent even though it has an approval number, and you've decided not to ship the product, it is best to Void the sale before your Batch closes. It's important to avoid chargebacks when possible, as excessive numbers of chargebacks not only cost you money ($15 - $25 per occurance) but they can harm your Business relationship with the credit card companies. [ back to top ]