Frequently Asked Questions

What is a Merchant Account?
A merchant account will allow your business to accept and process credit card and debit card transactions. As a U.S. based business, you need a merchant account in order to accept credit and debit cards. Businesses enter into agreements with a merchant account provider such as DigTech Services in order to process and settle payments on the business’s behalf.

How Will a Merchant Account Benefit my Business?
Whether your business is online or a physical store location, people are no longer carrying cash like they used to and most consumers rely on their debit or credit cards to pay for goods or services. By not having a merchant account and not being able to process debit and credit cards, businesses are potentially losing revenue.

How Do I Get a Merchant Account with DigTech Services?
Simply give us a call or apply online on our website to start your application process!

How Long Does it Take to Get Approved Once I Apply?
Some accounts can be approved within one day, while others need a few days to process and approve.

What if I Receive a Notice that My Account Request was Denied?
There may be various reasons why an account was declined. Simply give us a call so we can look into things as we may still be able to approve you.

Once My Application is Approved, When and How Does My Business Start Accepting Credit Cards?
We take care of the setup for you with the exception of connecting your merchant account to your online store. If you need assistance with connecting your merchant account with your online store, there are several web developers who will be able to assist you.

What is a POS System and Do I Need One?
POS stands for “point of sale” and are for businesses who need to process payments from their customers in person. We have a variety of POS solutions to meet your needs.

How Much Does it Cost?
Pricing is unique for each business, but at DigTech Services, we use the Interchange Plus pricing structure. This allows our clients to obtain the lowest processing fees available.

When Do I Pay My Account Fees?
Account fees are charge and are due monthly.

What About Gift and Loyalty Cards?
One of the best perks of working with DigTech Services is that we can provide you with the means to have branded gift and loyalty cards for your customers to use. Forget the days of writing out paper gift certificates. When you choose a retail merchant solution with us, our systems will easily handle this for you!

What is a Virtual Terminal?
A virtual terminal allows you to accept payments online through a payment gateway. It’s a very beneficial option to have if you want to take debit and credit cards in a variety of ways. We will discuss this option more with you when you call us!

Can My Customers Pay Over the Phone, Online and in Person?
Absolutely! We will design a plan that meets the exact needs of your business.

Will I Be Able to Issue my Customers Refunds?
Certainly! We make it easy for you to process refunds to your customers.

What are the Benefits of a Card Reader and How Much Does One Cost?
A card reader is essentially a point of sale device that allows you to swipe debit or credit cards. There are several different types of card readers to choose from, some of which are free.