Card and Beyond

How are you managing your delivery app?

The number of stores entering delivery apps is increasing by the pandemic.

Have you ever been distracted by delivery orders coming from the delivery app?

ItsaCheckmate is an integrated restaurant POS & delivery app solution needed for owners suffering from these problems. You can use ItsaCheckmate to check delivery orders such as Uber Eats, Grubhub, and Doordash in
real time at restaurant POS. Integrated management of digital ordering platforms with one POS. You don’t need an unnecessary tablet, and POS automatically accepts online orders and sends them to the kitchen printer. In addition, it can be processed at once in ItsaCheckmate without having to request each delivery app when changing the menu.

ItsaCheckmate can help restaurateurs save time and costs of labor while reducing order errors. Employees can process orders easily and quickly without a tablet. Because it is integrated and managed with one POS, you can check online and offline sales at once.

Are you hesitating because you don’t know how to start ItsaCheckmate?

Card&Beyond directly installs ItaCheckmate on the Clover POS you are using.

We will help the owner focus on customers by processing the entire process from menu work. There is a customer support team that handles menu modifications, price updates, or problems even after installation.

Please contact Card&Beyond if you have a headache due to the use of various
delivery apps or if you are new to the delivery app. We will respond quickly.

According to data released by the National Statistical Office, the total amount of online shopping transactions in November was 17.577 trillion won, up 16.5% from a year ago. As the non-face-to-face era begins due to the influence of COVID-19, the trend of preferring online consumption to offline continues. It’s time to start an online shopping mall. If you don’t know how to start, Card & Beyond will help you.

1. Domain

The domain is the unique address customers need to find your homepage. Therefore, customers should use domains that are easy to remember and suitable for your brand. Depending on how you set the domain, it can also affect the ranking shown in the search engine. If someone else is already writing their favorite domain, there is a way to add numbers, hyphens, or short words.

Card & Beyond recommends the most suitable and available domain for your website.

2. Web hosting

Looking for good web hosting services for the stability and speed of the site is worth it. There is also a free web hosting service, but it is recommended to use a paid service that provides the necessary options because you have to sell products over the Internet.

Card & Beyond uses Godaddy, one of the leading hosting companies.

3. Website Design

Website design is the most important factor in showing the brand’s image or identity. The value of the product should be increased by reflecting the information and visual elements of the product as much as possible to make the product stand out. In addition, usability should be considered so that customers can shop and purchase conveniently. Search filters should be placed so that customers can easily find the products they want, and when they add products to their shopping carts, they can continue shopping using pop-up windows without having to switch screens.

In addition, there are many other things to consider when creating an online shopping mall. That’s why you need a professional designer. Card & Beyond web designers are designing customized shopping malls that customers want through 1:1 consultation.

4. Payment processing platform

E-commerce software is software that allows customers to look at products and purchase them safely. E-commerce software plays an important role in customers’ experiences and shopping mall success. You should also be careful in choosing because you store customer information and financial information.

Card&Beyond connects reliable software such as Autorized.net, Payeezy, Braintree, and Paypal to make the payment system easy to use.

It’s your first time running a shopping mall or it’s hard? You don’t have to worry. We produce websites using Shopify, Bigcommerce, and Woocommerce, which are integrated solutions necessary for shopping mall operation. In addition, you can check online orders and manage inventory directly at the store by pos integrated with the website. Create your own homepage to grow your online business.

Q: What is PCI-DSS?

A: The Payment Card Industry Data Security Standard (PCI-DSS) is a worldwide information security standard mandated by the Payment Card Industry Security Standards Council. The Standard was created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromises. You, as an owner, president, or signer of the merchant agreement, will be responsible for ensuring that your business becomes PCI compliant

Q: Who made the decision?

A: This was a collective decision made by Visa, MasterCard, American Express, Discover and JCB

Q: When did PCS begin because I’ve never heard of it? When do I have to be compliant?

A: The PCI Security Standards Council was launched September 2006. The council determined that all levels of merchants must be PCI compliant. According to the council, level 1-3 merchants have already passed their deadlines while level 4 merchants’ deadlines are set by the acquirer.

• Level 1: Merchants who process more than 6 million transactions per year
• Level 2: Merchants who process between 1 million and 6 million transactions per year
• Level 3: Merchants who process between 20,000 and 1 million Visa e-commerce transactions annually
• Level 4: Merchants who process less than 20,000 Visa e-commerce transactions annually and all other merchants processing up to 1 million Visa transactions annually

Q: Where do I go become compliant?

A: You may visit us on the web at www.cardandbeyond.com or https://cloversecurity.com/ to find out what steps are needed in order to become PCI Compliant or you may call us at (800) 495-0122.

Q: Why do I need to become PCI compliant?

A: Merchants should become PCI Compliant in order to make sure they are taking the proper care to ensure that cardholder data is protected. If a breach were to happen at your location, and if you are not PCI compliant at the time, the card associations may assess a fine against you and you will be liable for all the fraudulent transactions caused by the breach. However, if you are compliant, the fine may be reduced and you may not be responsible for the fraudulent transactions.

Q: Why am I being charged an annual PCI fee?

A: The merchant will be assessed a Monthly PCI fee in order to enroll in a PCI program to help them become compliant. This Monthly PCI fee will vary depending on whether or not you are a non-IP or IP

Q: Do I have to pay this fee?

A: Yes. However, if you are an existing merchant and are already certified, you may contact us at (800) 495-0122. Our dedicated Customer Service specialist will assist in sending the information provided to our processor in order to finalize your compliance. If this is done, an administrative filing fee may be assessed.

Q: Can your company do it for us? (Fill out the form and more)

A: No, you must become PCI compliant on your own. However, we can provide guidance.

Q: Will I be notified that my compliance will expire? When do I have to renew my compliance?

A: Merchants will be notified via email two month before the compliance certificate expires. During this time, you are required to renew your compliance as soon as possible in order to avoid additional fines or penalties that may result due to a non-compliant status. The expiration date is printed on your PCI Compliance certificate; nevertheless, you may also call us at (800) 495-0122 to check on your PCI status.

You’re minding your own business, ringing up another sale for your next customer, and then it happens–your normally boring credit card terminal spits out a strange number and message indicating that the transaction did not go through as expected.

You’ve just received a credit card decline code, in fact. But what does it mean, and what can you do about it?

WHAT ARE CREDIT CARD DECLINE CODES?

Credit card decline codes are sent to merchants from credit card processors when a transaction is unable to be processed. Each numerical code corresponds to a different reason a transaction may be declined, such as the card in question being reported lost or stolen.

WHO ISSUES CREDIT CARD DECLINE CODES?

Credit card decline codes can originate from just about any point in the transaction cycle. That means it’s possible for any of the following to be the source of the code you receive:

• ㆍ Your payment processor
• ㆍ Your payment gateway (if you’re using one)
• ㆍ The card’s issuing bank

That said, there are certain codes that are more likely to come from one of those sources than the others. For example, a code 51 (insufficient funds) is probably coming from the issuing bank, not the payment processor or gateway. It should be noted that error codes that originate from the issuing bank tend to be harder, if not impossible, to resolve at the point of sale.

COMMON REASONS FOR CREDIT CARD DECLINED CODES

Broadly speaking, a credit card decline code occurs when some technical or financial factor prevents a transaction from completing. Very often, there’s an issue with the cardholder’s account or the card itself.

A card might be declined if the cardholder has insufficient credit remaining on their account. It may be declined if the card is reported as lost or stolen. It may also be declined if fraud alerts are triggered. And, of course, it will be declined if the card is expired. These are just a few of the more common reasons you might receive a credit card declined code.

LIST OF CREDIT CARD DECLINED CODES, EXPLAINED

There are a lot of credit card codes. Typically, when you receive a credit card code, you’ll also get a brief note explaining why the transaction was declined. Nevertheless, it can be helpful to have a reference of the types of codes you might encounter.

This list doesn’t represent every possible error code you could get (payment processors also have their own), but these are by far the most common. You’ll note that some codes are very similar to each other. You don’t need to necessarily know the systemic quirks that produce a code 00 instead of a code 85, however. Just have a general sense of what went wrong and what, if anything, you can do about it.

HOW DO CREDIT CARD DECLINE CODES REALLY AFFECT YOUR BUSINESS?

If you accept credit card payments as part of your business, credit card decline codes just come with the territory. Usually, they’re just momentary interruptions to the flow of your business and rarely constitute full-blown crises. In most cases, capture you should be able to resolve the problem by running the transaction again, or asking your customer if they have either another card or cash to pay with.

A chargeback is a transaction that a card issuer returns to a merchant back – and most often, to the merchant – as a financial liability. In essence, it reverses a sale transaction, as follows:

ㆍThe card issuing bank subtracts the transaction dollar amount of the transaction.

ㆍThe merchant’s bank debits the merchant’s bank for the dollar amount of the transaction.

For merchant’s chargebacks can be costly. Merchants can lose both the dollar amount of the transaction being charged back and the related merchandise. Merchants may also incur other internal costs for processing the chargeback. Excessive chargebacks may result in termination of the merchant processing account.

It is important to limit chargebacks. Encourage your customers to contact you first with complaints, and attempt to resolve those complaints.

The most common reasons for chargebacks and how to resolve them are as follows:

NON-RECEIPT OF REQUESTED RETRIEVAL ITEM

ㆍ If the merchant does not supply the requested sales draft, it will result in a debit to the merchant’s checking account. This chargeback cannot be reversed.

UNAUTHORISED MAIL ORDER/TELEPHONE ORDER TRANSACTION

ㆍ This chargeback is initiated when the cardholder denies that they authorized a sale by mail or telephone. A merchant takes these types of orders at their own risk and would be responsible for supplying a facsimile draft as proof that the order was actually placed. Because there are no signatures involved in these types of transactions, the merchant should keep all records of shipping to assist Card and beyond in proving the cardholder initiated the transaction.

DUPLICATE PROCESSING

ㆍ This chargeback is initiated when a cardholder is charged two or more times for a transaction authorized only once. This chargeback may be reversed if the merchant can supply proof of more than one signed and authorized sales draft, each having different invoice numbers.

NON-RECEIPT OF MERCHANDISE

ㆍ The cardholder states that they authorized the sale and were billed for the item but never received the merchandise. This chargeback can be reversed if the merchant can supply proof of a shipping receipt that has been signed by the cardholder.

MISSING SIGNATURE/MISSING IMPRINT

ㆍ If a sales draft is missing a signature or card imprint, the issuing bank has a right to charge back this item. It is the responsibility of the merchant to ensure the cardholder signs all sales drafts or terminal slips, and that any draft is imprinted (unless the card was swiped) with the credit card number. The signature should be checked against the signature on the back panel of the card. Every hand-keyed transaction requires an imprint of the card.

If Card and beyond feels that the chargeback is valid, the merchant’s checking account will be debited for the amount of the sale. A Chargeback Adjustment Advice along with any documentation that would verify the dispute would be mailed to the merchant the same day the debit is processed.

Below is a list of your obligation when accepting and processing credit card transactions.

THE VIOLATION OF THE FOLLWING RULES MAY RESULT IN IMMEDIATE TERMINATION OF YOUR MERCHANT PROCESSING ACCOUNT.

• ㆍMerchant may not under any circumstances accept or process Visa and MasterCard sales for another merchant (business) through his/her credit card terminal. This is known as factoring of tickets, and it is illegal.
• ㆍMerchant cannot enter by hand transactions in excess of the percentage stated on their merchant agreement without the written consent of Card&Beyond.
• ㆍMerchant cannot deposit any transactions for the purpose of obtaining or providing a cash advance.
• ㆍThe merchant account should be activated within ninety (90) days of issuance of the merchant number, and should not be inactive for over ninety (90) days without notifying Card&Beyond.
• ㆍMerchant cannot impose a surcharge on credit card transactions.
• ㆍMerchant cannot require a cardholder to provide additional identification or information when a credit card is properly presented.
• ㆍMerchant cannot require a cardholder to make a minimum or maximum transaction when using a credit card for payment.
• ㆍMerchant cannot change the basic nature of his/her business, including selling any products or services not related to the current business, without notifying Card&Beyond in writing.
• ㆍMerchant should obtain an imprint of the credit card when it cannot be swiped through the credit card terminal.
• ㆍMerchant should perform a batch transmittal (“close the batch”) on his/her terminal daily to transmit transactions promptly to avoid non-qualifying transactions. If a merchant’s terminal is programmed to automatically close, the merchant should verify daily that terminal has transmitted all transactions.
• ㆍA merchant cannot split a ticket on any transaction.

Card&Beyond monitors your merchant processing account daily for exception transactions and may, upon reasonable grounds, suspend the disbursement of funds for any reasonable period of time required to investigate any unusual deposit activity.