At GlobalOnePay, we value your business and encourage you to call if you require assistance with your payment processing needs.
Technical Support: 1-844-864-9590
Billing/Statement Questions: 1-844-864-9590
Visa/Discover® Network/MasterCard/American Express: 1-800-291-4840
For all Diners Club International, JCB, UnionPay and BCcard voice authorizations and customer service, call 1-800-291-4840.
In the event that you cannot obtain an electronic authorization, you must call for a voice authorization. Below are the voice authorization numbers for each of the major credit cards.
Visa/ Discover Network/MasterCard/American Express:
When calling to obtain a voice authorization, you will be required to provide:
- The credit card number and expiration date.
- The merchant account number (MID) identifying you to the voice authorization system. If your MID begins with 6314, use only the last 12 digits; if your MID starts with 2866, use the full number.
- The dollar amount of the transaction.
The operator will respond with an authorization number, which you should write on the sales draft.
You may also be required to call for an Authorization Approval Code in response to a "Please Call" or "Call Center" message that you have received from your terminal when attempting to process a transaction.
Once you have obtained an authorization number for the transaction, you will have to manually key in the transaction in order to receive payment (settlement). You must enter the transaction as an "Offline" or "Force" transaction and you will be prompted to key in the authorization number you have received. You may refer to your Quick Reference Guide or call us for assistance.
As a merchant who accepts credit cards, there are regulations you should be familiar with and certain precautions you should take to minimize potential risk and insure maximum profitability. For your convenience, we have listed some of the more important “Don’ts” of payment processing.
Credit Card Processing Don’ts:
Do Not DRAFT/ LAUNDER/ FACTOR! Process only those transactions originating from your place of business as described on your merchant application. You must apply separately for any other business which you may own (in whole or in part.)
Do Not process credits to a cardholder’s card unless you have an off-setting sale.
Do Not process transactions against your own, personal or business credit cards or those of your employees, officers, spouses, etc. Transactions of this type can be considered “cash advances” and are not permissible.
Do Not process any transaction that represents repayment of any existing cardholder obligations such as return of a personal check or payment of an outstanding loan.
Do Not store cardholder data after receiving authorization. After a transaction is authorized, the full contents of track data must not be retained on any systems.
Do not store CVV2, CID, CVC2 (the 3 or 4 digit code printed on the back of the card) data. When asking a cardholder for security codes, merchants must not store it on any database.
Know your liability. Merchant agreements now include provisions that hold businesses liable for losses resulting from compromised card data if a business (or its third-party processor) lacks adequate data security.
Do not accept credit card details via email ever.
Do Not “split sales” (see below for definition.)
Do Not process a transaction that was denied or declined by the authorization center.
What is a "Split Sale"?
A “split sale” is the processing of two or more sales slips for a single sale. As per your agreement and governing regulations, you must process ONLY ONE sales transaction through your terminal for each single sales draft authorized by your customer. Processing more than one sales transaction through your website for a single draft is not permissible.
It is important that you keep accurate and complete records of transactions you are processing. This will assist you in tracing transactions and authorizations in the event of a future customer dispute. As there are many don’ts, there are a few dos as well.
Credit Card Processing Dos:
Do have ALL applicable transactions authorized. This minimizes your risk of chargebacks.
Do keep copies of sales transactions for 12 months from the date of the original transaction to ensure your ability to respond to copy requests and/or chargebacks.
Do maintain the same policy for returns, refunds and/or exchanges for credit card transactions as you do for cash transactions. If you do not permit refunds, you must mark your sales drafts with the statement “NO REFUNDS”. However, this statement does not limit the cardholder’s right to challenge a transaction covered under federal, state and local laws or falling under bank, payment card rules and regulations.
Do keep cardholder account numbers and personal information safe/confidential.
As a merchant, you are responsible for establishing the merchandise and adjustment (credit) policies for your business. Clear disclosure of these policies can help you avoid misunderstandings and potential cardholder disputes.
Below are some examples of return/credit policies.
No Refunds or Returns
our business does not issue refunds and does not accept returned merchandise or merchandise exchanges.
Your business is willing to exchange returned merchandise for similar merchandise that is equal in price to the amount of the original transaction.
In-Store Credit Only
Your business takes returned merchandise and gives the cardholder an online credit for the value of the returned merchandise.
Disclosure for Card-Not-Present (Ecommerce) Transactions
Your refund and exchange policies should be available to online customers through clearly visible links on your home page. You should also provide a “click through” confirmation for important elements of the policy.
A merchant account Discount Rate is a fee paid by the merchant to the acquirer for credit card processing purchases charged to a cardholder’s credit card. It is an agreed upon rate charged on sales and returned transactions.
A merchant account Transaction fee is paid each time a merchant’s gateway, software, or terminal dials and communicates with the credit card processor. This includes: authorizations, sales, returns, closing of batch, and declined transactions.
Monthly Processing Fees
Your Monthly processing fees are calculated based on all the account fees assessed throughout the month with each date’s activity. Monthly processing fees normally do not include your Daily discount or reserves (if applicable). The total of all Monthly Processing fees are debited from your checking account, also known as your DDA, through ACH within the first 5 business days of the following month.
Month End Fees
Month end fees are assessed at the end of each month and apply to various transactions that occurred during that monthly only. Month-end fees may include, but are not limited to, the following:
- Address Verification Services (AVS)
- Retrieval Requests
- Monthly Minimum
- Statement Fees
How do I change the bank account for my deposits?
We will need a copy of a preprinted voided check on the new account, plus your signature for verification purposes. Please send us a pre-printed void check or bank letter and a written request by fax at 1 866 607-4868 or
e-mail at firstname.lastname@example.org.
Note: Person signing the request must be the same person who signed the
merchant processing agreement.
What should I do if I wish to close my merchant account?
Simply send a letter indicating your intent to close the account and the reason why. In order to protect yourself, the letter MUST BE SIGNED by the owner(s) who originally applied for the account. You may also call our merchant support center (see page 3 for telephone #).
How do I update my company information?
If you change store locations, product, or service offered or simply change your business telephone number, you must IMMEDIATELY contact our merchant support department to update your information.Your Merchant Statement Explained
If you have any questions about your merchant statement, down our Quick Reference Guide
Who are the founders of the PCI Security Standards Council?
Founders of the PCI Security Standards Council are American Express, Discover Network, JCB, MasterCard Worldwide and Visa International.
What is the Payment Card Industry (PCI) Data Security Standard (DSS)?
The PCI Data Security Standard represents a common set of industry tools and measurements to help ensure the safe handling of sensitive information. Initially created by aligning Visa’s Account Information Security (AIS)/Cardholder Information Security (CISP) programs with MasterCard’s Site Data Protection (SDP) program and Discover Information Security Compliance (DISC), the standard provides an actionable framework for developing a robust account data security process - including preventing, detecting and reacting to security incidents.
The core of the PCI DSS is a group of principles and accompanying requirements, around which the specific elements of the DSS are organized:
Build and Maintain a Secure Network
Requirement 1: Install and maintain a firewall configuration to protect cardholder data
Requirement 2: Do not use vendor-supplied defaults for system passwords and other security parameters
Protect Cardholder Data
Requirement 3: Protect stored cardholder data
Requirement 4: Encrypt transmission of cardholder data across open, public networks
Maintain a Vulnerability Management Program
Requirement 5: Use and regularly update anti-virus software
Requirement 6: Develop and maintain secure systems and applications
Implement Strong Access Control Measures
Requirement 7: Restrict access to cardholder data by business need-to-know Requirement 8: Assign a unique ID to each person with computer access Requirement 9: Restrict physical access to cardholder data
Regularly Monitor and Test Networks
Requirement 10: Track and monitor all access to network resources and cardholder data
Requirement 11: Regularly test security systems and processes
Maintain an Information Security Policy
Requirement 12: Maintain a policy that addresses information security
For More Information on PCI Compliance: www.pcisecuritystandards.org
Identifying counterfeit cards and understanding the telltale signs of suspicious customers is the key to protecting yourself from possible fraud.
- Be wary of customers who make indiscriminate purchases.
- Be suspicious of anyone contacting you for a customer’s credit card number.
- Be conscientious about keeping detailed records of all credit card transactions.
- Be sure to verify all information.
- Personal contact information (address and telephone number) can be requested and recorded on an invoice, not on a sales draft (important on large or suspect transactions).
- Be wary of expedited shipping when billing and shipping addresses differ.
- Verify that the IP location and credit card address match.
- Watch out for suspicious email accounts (e.g. random combinations of numbers and letters).
- Restrict the number of declined transactions.
- Ship your orders using tracking numbers and require signatures.
- Always require the Security Code.
- Investigate orders containing multiple large ticket items.
- Review multiple orders shipped to the same or different addresses.
- Validate the order before it is shipped.
- Activate package recall services with your shipping company so you can “freeze” a shipment if fraud is suspected.