SwipeSimple FAQ’S

Frequently Asked Questions About SwipeSimple

Q: How do I use SwipeSimple?
A: SwipeSimple is very easy to use. To get started, first download the SwipeSimple app from the App Store for iOS or the Google Play Store for Android or visit SwipeSimple.com. Then, sign-in using the email address on file and the temporary password included in the Welcome Email. You’re ready to take your first transaction!

Q: Where can merchants accept transactions?
A: SwipeSimple is an mPOS solution. The card readers can be used with iOS and Android phones or tablets. Merchants can manually enter transactions through the dashboard at www.SwipeSimple.com.

Q: Is there a way to demo SwipeSimple?
A: Yes. The SwipeSimple app is available for free in the App Store for iOS and the Google Play for Android. After downloading the app, anyone can select “demo mode” and explore the app from there. Please note: SwipeSimple will not store transactions taken while in demo mode. To exit demo mode, just select “log out” in the upper right-hand corner of the sales screen.

Q: Does SwipeSimple support multiple MIDs?
A: Yes. There is no limit on the number of accounts that can be added to SwipeSimple.

Q: Is there a limit on the number of users I can add to my SwipeSimple account?
A: No. There is no limit on the number of users you may add to SwipeSimple.

Q: Can I restrict my employee’s user settings?
A: Yes. User roles determine the level of access each user has on a SwipeSimple account.

Q: What is the difference between an “admin” user and a “member” user?
A: Admin users will have access to all account details including reports, account settings, and transactions run by all users. Admin merchant will also be able to run transactions, refunds, and voids.Member users will only have access to their own transactions and may be restricted to a single MID on multiple MID accounts. Member users can only process transactions and void items in their personal history.

Q: Does SwipeSimple support EMV?
A: Yes!

Q: Does SwipeSimple support store and forward?
A: Yes, users may enable offline mode in the settings of the app. Offline mode will allow merchants to accept transactions without data or wifi. These transactions will be processed after the merchant re-connects to wifi or gains cellular service.

Q: Will Store and forward work with EMV?
A: No. Transactions taken while in Offline Mode are magstripe and manual entry only.

Q: Does SwipeSimple support Bluetooth printers?
A: No. SwipeSimple does not support a Bluetooth print option at this time. Merchants may print a receipt from their computer by visiting the transaction details page on the dashboard.

Q: Do merchants have to manually batch out?
A: No. SwipeSimple does support manual batching. All batches are set to settle once every 24-hours.

Q: How do I set a batch time?
A: Batch times are set when an account is initially setup. If a batch time needs to be adjusted, please contact Central Payment technical support. Batch times can be set to any time on the hour.

Q: Can a merchant run a refund after a batch has been closed?
A: Yes. The refund will appear as a separate, negative transaction in that batch.

Q: Will the credit card need to be present to run a refund?
A: No. The merchant will only have to go into the transaction detail and select the refund option.

Q: Does SwipeSimple support partial refund?
A: Yes. A partial refund can be done from the app or dashboard. The merchant would select the refund button, edit the amount in the confirmation box, and select refund. The amount must be equal to or less than the original sale amount.

Q: What information can my merchant add to the receipt?
A: Every receipt will automatically include your merchant’s account name, address and phone number*. The receipt header and footer may be edited to include return policies, greeting messages, or website links.*Phone number optional on merchant accounts.

Q: How can I add a name or note to a transaction during a sale?
A: If a merchant would like to add a note to a transaction they would enter in the amount and press the “+” sign in the bottom right-hand corner of the sale screen in the app. After this step, they would select the “items(#)” area which will bring up a screen that will display the “custom item” they just created. If they select that item, a menu bar will drop down and on the left-hand side there is an icon that looks like a piece of paper. If they select that icon a field will come up where they can enter in notes that will be associated with the transaction.

Q: Does SwipeSimple integrate with QuickBooks or other accounting software?
A: Yes. Transactions and inventory items can be downloaded from the SwipeSimple dashboard (SwipeSimple.com) and uploaded directly to your existing software.Does the SwipeSimple dashboard support recurring billing?No. The dashboard does not support recurring billing.

Surcharging FAQ’S

Most Frequently Asked Questions About Surcharging

Q: What is a credit card “surcharge”?
A: A surcharge is a fee added to the customer’s purchase cost for the “privilege” of using a credit card. A surcharge is a percentage of the value of the sale and is typically used to cover the cost of the merchant service charge.

Q: Why surcharge credit card transactions?
A: Merchants may choose to add surcharge fees in order to recuperate some of their processing fees.Before deciding to implement a surcharge, merchants should consider the following:
•the potential impact on customers’ experience
•what competitors might be doing
•what information must be disclosed to customers, and how.

Q: Is there a limit to the surcharge fee?
A: Yes, the maximum surcharge fee is 4% of the total amount per transaction. Merchants are not allowed to charge more than 4%.
Example: on a $10 transaction, maximum surcharge fee is 40 cents.

Q: Are ALL merchants allowed to add surcharge fees to credit card transactions?
A: No, surcharging is prohibited in 10 states. Merchants in the following states may NOT implement surcharging:
1.California
2.Colorado
3.Connecticut
4.Florida
5.Kansas
6.Maine
7.Massachusetts
8.New York
9.Oklahoma
10.Texas.

Q: Is a merchant allowed to surcharge Debit or EBT transactions?
A: No. Surcharging is prohibited on PIN debit and EBT transactions.

Q: Do we have a terminal that offers surcharge feature?
A: Currently, Cpay’s PAX S80 is the only terminal that offers the credit surcharge feature. PAX S80 is eligible for the Free Terminal Program (FTP), and has a breakeven cost of $200.

Q: What are the merchant requirements for credit surcharging?
A: 1.Merchants are required to notify Central Payment and all credit card brands at least 30 days in advance of beginning to surcharge.
2.Merchants need a capable terminal (PAX S80)
3.Merchants may only surcharge credit card transactions; merchants may not apply surcharges to debit or prepaid card transactions.
4.The surcharge cannot be greater than the merchant’s average discount rate for that brand’s credit card transactions.
5.The maximum surcharge allowed is 4%.
6.Cardholders must be notified of the surcharge.There must be proper signage informing cardholders about surcharges.
7.The surcharge must be listed on the receipt as a line item.
8.The surcharge and the primary payment amount must be processed together as one transaction.

Q: How is a “convenience fee” different from a surcharge?
A: A convenience fee is charged for the “convenience” of being able to pay using an alternative payment channel outside the merchant’s customary payment channel. Any merchant can charge a convenience fee IF the fee charged is for the legitimate convenience of being able to pay using a different payment channel than the merchant’s usual payment channel.
Example: A movie theater’s customary payment channel is face-to-face. If the theater provides an alternative payment channel, such as the option to pay by phone using a credit card, that theater could then charge a convenience fee along with the ticket payment.The general rules for convenience fees are as follows:
1)The customer must be notified of the convenience fee prior to finalizing payment and given the opportunity to cancel.
2)The payment must take place through an alternative payment channel.
3)The fee can only be added to a non face-to-face transaction.
4)The fee must be flat or fixed, regardless of the value of the payment due.
5)The fee must be applied to all means of payment accepted through the alternative payment channel.
6)The fee must be included in the total transaction amount.

FAQ’S

Top 10 Most Frequently Asked Questions By Merchants

Q: How long does it take to set up a merchant account?
A: Approximately seven to ten days from when all the appropriate paperwork is turned in to a Central Payment Account Executive. I (your Account Executive) will do everything possible to move the approval and setup process along as fast as possible, and will communicate the status to you.

Q: Are the transactions and funds secure?
A: Yes, all products from CPAY are secure. I (your Account Executive) can answer any concerns.

Q: What are the requirements to open a merchant account?
A: To qualify for a merchant account, you must be a US resident and have a US business checking account, a Social Security Number or Federal Tax ID number and a business license (or other documentation from a third party verifying that you operate the named business at the given location). I (your Account Executive) can assist you in providing the correct documentation, and will also photograph your business to verify its existence.

Q: Do I need a bank account to accept credit cards and does it have to be a business checking account? Do I need to change my account or use your bank?
A: You do need a bank account to receive funds from your customers’ credit card payments. It does have to be a business account; your current business checking account is probably sufficient. You do not need to change your bank to do business with Central Payment. We use your existing account. I (your Account Executive) can advise you on the requirements.

Q: Can my credit status prevent me from establishing a merchant account to accept credit card payments?
A: The only time credit is a problem is if you are currently going through a bankruptcy or if you have numerous tax liens. If you do fall into this category you might want to apply–your credit might not be as bad as you think. I (your Account Executive) will advise you on the status of your application.

Q: I do retail charges through a terminal, now can I do e-commerce and have the funds go into the same checking account as the retail funds?
A: Yes, but you need a new merchant account that complies with e-commerce discount rules and rates. I(your Account Executive) can advise you as to the requirements.

Q: What is a chargeback?
A: A chargeback occurs when a customer receives their credit card statement and does not agree with the charges applied. The customer can either call the merchant or get a return on their merchandise or they can call their bank and issue a chargeback against the charge. It’s always best practice for a merchant to do as much as possible to resolve any customer issues before the customer initiates a chargeback. Excessive chargebacks can cause termination of a merchant account. I (your Account Executive) help my merchant clients understand and manage chargeback situations.

Q: How do I avoid chargebacks?
A: You can avoid chargebacks by having a business checking account. If you have a website, be sure you’re “doing business as” name is the name on the site. This will look more familiar to a customer when they receive their statement in the mail. The merchant’s telephone number can be placed on the statement next to the corresponding charge, so the customer will be more likely to call the merchant instead of the bank and simply return the goods. I (your Account Executive) can advise you in setting up these elements.

Q: What are Mid-Qual and/or Non-Qual Transactions?
A: Mid-Qualified and Non-Qualified transactions are transaction types that have higher rates applied to them due to the type of card used or the manner in which the credit card is being processed. For example if you normally swipe a Visa® or MasterCard® and obtain a signature this would typically be considered a “qualified transaction” and the qualified rate would be applied to the fee. If the card happened to be a rewards card and was swiped then the transaction would be considered a “mid-qualified” transaction and the rate applied would now be the qualified rate + mid-qual rate (typically +1.59%). If the same card you swiped earlier would instead be entered manually (a keyed transaction) that transaction would be considered “non-qualified” and the rate applied would be the qualified rate + non-qual (typically +1.89%).

Q: What is a Monthly Minimum?
A: A Monthly Minimum is a base processing fee you will have applied to your account each month if your normal activity fees fall below that amount. For example if you processed just a few credit cards and the combination of the rate and transaction fee equaled $20 yet you had a $25 monthly minimum your account would be charged an additional $5 to meet the monthly minimum. This fee is used to pay for the maintenance required by the processor for your account.

PAX and Cash Discount

Using the PAX S80, you can lower processing fees with surcharges. The United States is starting to adopt EMV as the standard in secure credit card transactions. NFC terminals make it easier and more convenient by completing transactions with a smartphone. By adding surcharges to your customers purchases, you can lower and even ultimately eliminate your credit card transaction fees.

For answers to surcharging questions, visit “Surcharging FAQ’S” under the FAQ’S tab.

PayTrace

PayTrace is the enterprise-level of payment gateways. Featuring a comprehensive, easy to use virtual terminal for professionals. Much like how the PayHub has enhanced processing capabilities for small businesses, PayTrace offers a wide variety of professional-grade features made for larger enterprises, such as a robust recurring billing, online invoicing, Level II & III data processing, and more. For merchants in the professional sector, PayTrace exceeds all their processing needs.

PayTraceforProfessionalServices

RiO

Each and every business needs a good point of sale system, but finding one that works for you can be an extremely hard and daunting task. Luckily for you, at least one of the RiO point of sale systems from CPAY will fit all of your business needs. These RiO systems are equipped with the latest technology and highest security. There are multiple different RiO systems for all of the businesses varying wants and needs.
-RiO:
This system packs every aspect of payment processing into an all-in-one unit. This system contains a built-in cashier drawer, receipt printer, credit card swiper, flippable 13-inch touchscreen, customer display, and a laser barcode scanner.

-RiO Pro:
The RiO Pro is designed to be used in face paced environments since it uses a very powerful processor. This is a modern register to get people through the checkout line quickly. It contains a large, colorful, easy to navigate screen, as well as a live dashboard and back office reporting that is accessible from the point of sale system, a smartphone or a computer.

-RiO Restaurant:
This system will seamlessly connect everyone working in the restaurant. This includes servers, kitchen staff and management. Merchants have the ability to quickly setup, create or change settings right on the system. The intuitive interface is extremely easy to navigate and makes it easy to stay very organized even in chaotic moments behind the bar or in the restaurant. This helps servers spend less time at the register and more with the customers.

 

SwipeSimple

SwipeSimple is a fast and effective mobile payment solution. Using the SwipeSimple app, you can key in prices and even use a drop down list containing multiple items from your product catalog. It shows options for both cash or credit and gives the customer an option to add a tip. Using the EMV chip card reader, you can accept your customers credit card directly through the app. You can send a receipt via email or text and you also have the option to resend it or process refunds later on if you scroll through the history tab. SwipeSimple keeps track of your inventory as you sell items from your catalog. You can customize certain things such as a tip or adding sales tax in the settings section. SwipeSimple does not have a limit on users added to the account, but you can restrict employees user settings. SwipeSimple is the easy and useful way to quickly collect customers payments using a mobile device.
For answers to questions about SwipeSimple, visit the “SwipeSimple FAQ’S” page under the FAQ’S tab.

Gift Crads

The Central Payment gift card program is completely free with no monthly fees, initiation fees, termination fees or fees per transaction. As a merchant, you are automatically enrolled with the CPAY gift card program. There are over thirty designs for gift cards that will be shipped the same day they are ordered. You can also design your own gift cards and you can order as many different designs as you want to. If you have any other existing gift cards, you can still use them as long as they are compatible with the new terminal that CPAY will provide free of charge. For businesses with multiple locations, you can control your gift cards to be pooled to all locations or to only one.

For merchants, the gift card program is useful because:
-you will receive upfront profits
-you will bring new customers into your business
-you will increase customer loyalty
-you will generate unprecedented revenue
-there is no hassle to enroll or renew
-there is no obligation to continue with the program