Where can I find the documentation?
Documentation for all of the Fast Charge Online Commerce
Suite products is available at support
What is a credit card merchant account?
To accept credit cards on your web site you will need
to obtain an Internet Merchant Account with an acquiring
bank. This is an account designed to enable you to accept
credit cards over the Internet. Not all banks currently
support Internet merchant accounts. Contact your bank
to determine if your existing account will allow you
to process Internet-based transactions.
Does your service automatically come with a Merchant
No. A merchant Account is set up separately through
a Merchant Bank. Fast Charge has partnered with Merchant
Banks that can provide internet capable Merchant Accounts.
Contact Fast Charge customer service for assistance
in applying for a Merchant Account through a Fast Charge
Do I need a credit card merchant account to process
A merchant account is not required to process electronic
checks. However, if you would like to process credit
cards, an Internet capable merchant account is required.
Fast Charge is not a credit card merchant account provider.
However, we can help facilitate the process of obtaining
account if you need one through one of our merchant
How do I get a Merchant Account?
For a new merchant account, please contact us for information
about our merchant banking partners. We have partnered
with banks that specialize in setting up new merchant
accounts with very competitive pricing.If you have an
existing merchant account or would like to use the bank
of your choice, Fast Charge can integrate with most
Internet ready merchant accounts that use one of our
compatible authorizing networks.
What's the difference between my merchant bank, an
authorizing network, and Fast Charge?
The merchant bank that issues you a Merchant Credit
Card Account contracts with a processor to handle credit
card processing for it. The Fast Charge payment gateway
provides a "bridge" between the merchant's website (using
a secure Internet connection from the merchant's website
to Fast Charge) and the processor (using leased lines
from Fast Charge to the processor).
Why do I need Fast Charge if I have a merchant account?
Fast Charge allows you to use your merchant account
and process live, secure credit card transactions over
the Internet. Fast Charge becomes your 'card swiping
machine' over the Internet allowing you to accept credit
card orders 7 days a week, 24 hours a day without the
need of human intervention and with an entire back office
environment to run your business.
Can I use my existing merchant account and process
my credit cards through Fast Charge.
Yes, if the bank your merchant account supports Internet
transactions and uses an authorizing network that Fast
Charge is integrated with.
Should I offer both Electronic Checks and Credit Card
transactions as payment methods for my customers?
Offering your customers a choice in payment method greatly
increases your market potential. Studies show that for
purchases over $25, almost half of all consumers prefer
to pay by check with only 18 percent preferring credit
cards. Over 90 percent of consumers have checkbooks,
and write over 30 billion checks every year. On the
commercial side, about 15 billion checks are written
business-to-business with an additional 10 billion checks
written business-to-an individual.
Can I process with Fast Charge if I am not a U.S.
You must have a US business address and a US bank account
to process with Fast Charge.
Is Fast Charge a Bank?
No. Fast Charge is a transaction processing company.
Through the Fast Charge Online Commerce Suite, an Internet
merchant can process both Credit card and Electronic
Check (ACH) transactions.
Where are my transaction funds deposited?
The funds from your ACH transactions are deposited into
the checking account that Fast Charge has on file, from
the voided check that was submitted with your contract.The
funds from you credit card transaction are deposited
into the account that is associated with your merchant
Can I view a report of fees charged against my account
by Fast Charge?
Your fee invoices are available online 24 hours
a day, 7 days a week. Simply login to Online Merchant
Center and select the Invoices/Fee Report under the
Accounting menu in the left-hand frame.
How long does it take to receive funds after my transactions
The amount of time it takes to receive credit card funds
depends on your credit card merchant bank. Typically
the time is 48 hours, but you will need to ask them
directly regarding when to expect your funds.The amount
of time it takes to receive ACH (Online Check) transactions
into your checking account is 8 banking days. On the
eighth banking day you should see a settlement notification
in the Online Merchant Center menu titled Online Check
Can I sign up with Fast Charge online?
Yes, the Fast Charge Signup URL is: Sign Up hereAfter completing the online signup
form, please print, sign, and fax the transaction processing
agreement to 509-924-6621
How will I know when the setup of my account is complete?
Once your account has been completed, you will receive
notification via email.
How do I log into the Online Merchant Center?
Go to https://www.secure-fastcharge.comFill
in the following fields: Acct Id, User Id, and Password.This
information is sent via email during the setup process.
How long does it take to integrate the Fast Charge Online
Commerce Suite into my website?
If you have a merchant account that is Internet
ready, your Fast Charge account can be activated with
one to three business days. The actual time required
to begin processing transactions from your web site
depends on the integration method you select and the
technical expertise of your staff.
What are Fast Charge Online Checks™?
Fast Charge Online Checks™ provide your customers
with the convenience of making online purchases by debiting
their personal checking accounts. A customer simply
fills in a form at your website with bank information
printed at the bottom of his or her personal check.
The information is processed as an Electronic Funds
Transfer (EFT) to the customer's account via the Automated
Clearinghouse (ACH) payment system. This is the same
system used by the Federal Government to distribute
pension, insurance, retirement payments and to collect
Which credit cards will I be able to accept?
Fast Charge Online Commerce Suite can process VISA,
MasterCard, American Express, Discover, Diners Club
and JCB. Contact your Merchant Bank to determine which
of these cards you are approved to process.
How do I process AMEX transactions?
In order to process American Express credit cards, you
need to apply with American Express for an American
Express Merchant account. Your Merchant Bank can assist
you with this process. Once the account is approved,
you must provide the information to your Merchant Bank
that processes your MasterCard and VISA transactions.
After this is confirmed, the final step is to login
to Online Merchant Center, open the Acct Edit/Delete
menu, and select the payment option AMEX.
How do I process Discover transactions?
In order to process Discover credit cards, you need
to apply with Discover for a Discover Merchant account.
Once the account is approved, you must provide the information
to your Merchant Bank that processes your MasterCard
and VISA transactions. After this is confirmed, the
final step is to login to Online Merchant Center, open
the Acct Edit/Delete menu, and select the payment option
Can I verify credit cards by telephone?
No, all transaction verifications are online. We do
not offer a telephone verification service. However,
we do provide you with the ability to bill a credit
card you have verbally authorized through the Online
Merchant Center Virtual Terminal.
What is the Recurring system?
The Recurring System in the Online Commerce Suite enables
you to automatically rebill your customers' credit card
or checking account on a scheduled basis (i.e. weekly,
monthly, quarterly, etc.). Recurring billing can be
configured via the Online Merchant Center Virtual Terminal,
or one of the other integration methods. Refer to the
Online Documentation for information on how to submit
What is the Membership system?
The Membership System in the Online Commerce Suite enables
you to establish and manage a membership site to manage
password-protected web sites and recurring billing.
The Membership system requires no additional third-party
software if your server runs on a UNIX-based platform.
Fast Charge Technical Support remotely installs and
tests the software scripts on your Merchant e-Commerce
server. During setup, Technical Support configures the
user interface, checks paths, sets up templates and
sends links to you for Sign Up pages. The membership
system allows you to easily create unlimited subscription
profiles for the different price and duration combinations
you intend to offer, including free credit card signups.
You can configure how many times to retry declined recurring
transactions, download your member database to your
PC and even generate retention reports. If your Web
site is hosted on a Windows NT/2000 server running IIS
Web Server, you will need additional third party software
to interface with the Online Commerce Suite Membership
System. For details, contact Customer Service.
What do I need to do to cancel my account?
In order to cancel your account, Fast Charge requires
that a 30-day written notice be submitted via fax or
US mail. On the cancellation notice please verify the
purpose of the account cancellation, along with the
company name, 5 digit Account ID, signature of the primary
contact on record, and an email address to which a confirmation
can be sent. Please do not assume your account is cancelled
until you receive confirmation via email.
My website will be down for a while. Do I still have
to pay Fast Charge a monthly service fee?
You have the choice to put your account on a temporary
deactivation. During this time your account will be
temporarily deactivated, you will not incur any fees.
With the temporary deactivation you have 6 (six) months
to reactivate the account for the fee of $50.00. If
you choose to reactivate the account after 6 months,
you would be required to pay whatever the current setup
fee for new accounts is.
What length of time can a consumer "charge back" an
ACH transaction after it has been submitted?
In the ACH industry a "charge back" is called a "Return."
ACH rules allow a consumer 60 calendar days (includes
weekends and Holidays) to contest a transaction.The
60 days start the day after the money is withdrawn from
the consumer's account. This could be up to 4 business-banking
days after the original transaction.After the 60 days,
it may take up to 4 business banking days for the return
to be received by Fast Charge. The merchant is informed
of the return the same day Fast Charge receives it.
If the bank has trouble identifying the return, it may
be a couple of weeks before Fast Charge receives it
and informs the merchant.
How secure is my transaction information?
The Online Merchant Center system protects consumer
payment information while in transit over the Internet.
Security mechanisms use mathematical algorithms to encrypt
data before it is sent and decrypt the data as it is
received. The Online Commerce Suite uses RSA or Triple
DES for secured network transactions. For more detailed
information refer to the Online Commerce Suite Integration
Which Credit Card Processors is Fast Charge compatible
Fast Charge processes through the following credit card
authorizing networks:VitalFDC-NashvilleDigital CourierFDR-7
Mapp (GlobalPayments Central)Paymentech-TampaEchoNovaNetwork1
What information is required to configure my authorizing
Mapp (Globalpayments Central):
*Merchant Account Number: This may vary in the number
*TID: Will always contain a two-digit prefix, usually
EA. 13 digits
*Name of the merchant account provider and phone number
*EFT Secure M_Key: 12 digits
*EFT Secure M_ID: 12 digits
*Merchant ID: 16 digits
*Terminal ID or V Number: 8 digits
*Acquirer Bin: 6 digits
*Phone Number: The merchant's customer service phone
*Merchant Number: 12 digits
*Terminal Number: 4 digits
*Merchant Location: Merchant's City
*Merchant State: Merchant's State
*Merchant Category Code: 4 digits
*Merchant Location Number: 5 digits
*Agent Number: 6 digits
*Chain Number: 6 digits
*Store Number: 4 digits
*Terminal ID Number/V Number: 8 digits
*City Code: Merchant's Zip Code
Name of the merchant account provider and phone number
*VID: 6 digits
*Password: 8 digits
*Client #: 4 digits
*Mid: 12 digits
*Tid: 3 digits
*Merchant account provider (bank name) and phone number.
*BIN: 6 digits
*Merchant ID: 16 digits
*Terminal ID: 16 digits
*Terminal ID: 10 digits
*Name of the merchant account provider and its phone
FDR-7 (FirstData Omaha):
*Merchant account number assigned by the issuing
bank. The number varies between 14-16 digits.
*Merchant ID: 16 digits
*Terminal ID: 16 digits
How do I process a voice authorization?
Login to the Online Merchant Center and scroll down
to the Virtual Terminal in the left-hand frame. Select
the Process Online Charge screen. Enter the transaction
information and select the Voice Auth Capture radio
button. Enter the authorization code and submit the
I don't have access any of the menus on the left-hand
frame. It says I need to contact my administrator for
If you're using Internet Explorer, please
do the following:
*Click on Internet Options
*Under Temporary Internet Files, select Delete Files.
*Next box will prompt you to select, Delete all offline
content, and select OK
*You will be taken back to the Internet Options box,
If you're using Netscape Navigator, please do
*Click on Edit
*Under Category files, select Advanced
*Next select on Cache
*Select Clear Memory Cache
*After you have cleared the Memory Cache, select Clear
*Now select OK.
After following these instructions you should be able
to access all the Menus in Online Merchant Center.
What is AVS?
Address Verification System (AVS) matches the known
address information on file at the cardholders issuing
bank’s AVS database against the billing address
information provided by the consumer/merchant. If the
information does not match, the transaction is declined.
Transactions declined due to non-match of AVS are still
pre-authorized (reserved/hold amount that will decrease
the consumers limit) by the credit card network, but
the sale amount will not be charged to the credit card
holder's account and will not be deposited to your bank
account.Merchants have the option of selecting the level
of match required for an approved transaction. Refer
to the FRISK™ section of the Online Documentation
for more information regarding configuring AVS options.
The service only applies to credit card transactions.
Do you provide a shopping cart?
Yes, a basic shopping cart is included in the Online
Commerce Suite. A full-featured shopping cart is also
available for merchants that require more advanced shopping
cart capabilities. Contact Customer Service for details.
How long does it take for a transaction to take place?
Transactions submitted to the Online Commerce Suite
payment gateway engine are processed in real time, and
take approximately 1-3 seconds to return a response.