Privacy Policy

1. How do I apply for a merchant account?

Click Here To Apply For A Merchant Account.

2. How do I request more information?

Click Here To Request More Info.

3. When do my transactions get funded?

Usually within two business days after you submit your batches to FDIS.

4. Can I be approved if I have bad credit or no credit?

We maintain one of the highest approval rates in the industry. With our free application you have nothing to lose.

5. What do I get with an Internet merchant account?

You get four things:

A First Data Independent Sales merchant account to accept major credit cards.

A LinkPoint® API Secure Payment Gateway script to integrate into your Web site so your customers can make purchases directly off your site 24 hours a day without you having to run the transaction manually. to link to your web site.

A LinkPoint® Virtual Terminal to run transactions manually through your computer.

24/7 toll free customer and technical support along with a dedicated web site called mymerchantoffice.com where you can review all of your transactions, run reports and download your monthly statement.

6. Do I need a shopping cart for my Internet merchant account?

No, we provide you with code that passes your customer's information to our gateway. However, merchants that have a large number of products may find it easier to use a shopping cart. If you only need a virtual terminal then you don't need a shopping cart.

7. What if I need help with my account?

First Data Independent Sales customer service representatives are available to serve you 24 hours a day, 7 days a week, in more than 140 languages and dialects. In addition, Mymerchantoffice.com, First Data's merchant-dedicated Web site, allows you to access your merchant account information online at any time, from any location.

8. What is your privacy policy? Click Here to review our privacy policy.

9. Will I be trained to use the credit card terminal?

Yes. Once you receive your credit card terminal a representative of FDIS will train you on how to use the terminal. In addition, we provide a toll-free customer service number you can call 24 hours a day, 7 days a week, so you can get help at any time.

10. What types of merchants does First Data Independent Sales approve?

First Data Independent Sales processes credit and debit card transactions for more than 170,000 traditional and Internet businesses. Whether you are building an e-commerce Web site, a traditional retail business or a mail order/telephone order business, you will want to open a First Data Independent Sales merchant account, which enables you to accept payments for customer purchases.

11. How long before I can start accepting credit cards?

Merchant accounts are generally approved within two business days and merchants can process the next business day.

12. I'm not sure what terminal, equipment or software is best for my business?

Please consult your FDIS agent regarding the various options available.

13. How does LinkPoint API integrate with my Web site?

To manually enter credit card transactions, you do not need any additional integration. You log on to a Web site and complete the credit card transaction using your LinkPoint Virtual Terminal. In addition, to enable your customers to make purchases right off your Web site, we give you API script to integrate into your Web site. Your customers will then be able to make purchases from your site 24 hours a day. When they do make purchases, you and your customer will receive an e-mail detailing the transaction.

14. How is First Data Independent Sales allowed to process credit cards?

First Data Independent Sales is a registered ISO/MSP for clearing and settlement institutions that sponsor First Data Independent Sales to enter MasterCard® and Visa® transactions into the interchange system.

15. How do I get my money?

There are four steps to getting your money; 1. Initiating, 2. Authorizing, 3. Completing the transaction and 4. Receiving your funds.

Step 1-Initiating the transaction to verify that a card is active and within the approved spending limit:

Brick-and-mortar and retail or restaurant environments-swipe the card or key in the number through a point-of-sale terminal (i.e., card is physically present).

Mail order/telephone order environments-enter the card identifiers the customer has provided you by mail, telephone or fax (i.e., the card is not present).

Internet environment-Customer provides your Web site with card identifiers (i.e., card is not present).

Step 2-Real-time authorizing, which reduces chargebacks and catches card-entry errors:

Credit card number is entered.

Terminal or software transmits the credit card number and expiration date and sales total to First Data Independent Sales.

First Data Independent Sales transmits data to customer's credit card-issuing bank.

Customer's issuing bank approves or declines the transaction.

Step 3-Completing the transaction:

Merchant's terminal or software transmits transaction details to First Data Independent Sales in a batch at the close of the business day.

First Data Independent Sales forwards transactions to each credit card company, which redirects the transactions to appropriate banks.

Bank debits credit cardholder's account and credits First Data Independent Sales.

Step 4-Receiving your funds:

First Data Independent Sales credits your merchant account, usually within two business days.

16. How is my money protected?

First Data Independent Sales is equipped to address the key protection issues of both traditional and Internet merchants, including fraud, loss prevention and chargebacks. FDIS uses state-of-the-art security technology, and the LinkPoint® Secure Payment Gateway uses Secure Sockets Layer (SSL) technology-designed to help protect merchant and payment information.

17. What is your return policy?

BNG Holdings, Inc. Return Policies - Your complete satisfaction is our goal! If for any reason you are not satisfied with your equipment purchase, BNG Holdings, Inc. will gladly refund or exchange any terminal within the conditions outlined below. Software, Internet accounts, and set up-fees are non-refundable.

1. BNG Holdings, Inc. will accept returns within 30 days of the shipping date and a 15% restocking fee will apply to all returned credit card terminal hardware.

2. Terminal must be returned in original package. All parts, manuals, and cords must be included.

3. Terminal must not be damaged, although defective equipment is returnable.

*Important* Your merchant account is bound by the terms and conditions of the merchant agreement and is not subject to the return policy.