FAQ

What are Debit Cards?
A debit card is an alternative payment method to cash or checks. Funds are deducted from the clients’ savings or checking account and credited to your sales. Debit cards include ATM Cards, Visa Check Card and MasterCard’s Master Money Card.
What Debit Cards can I accept?
You can accept debit cards that are connected through the debit networks in the United States. Debit cards include ATM Cards, Visa Check Card and MasterCard’s Master Money Card.
Online Debiting vs. Offline Debiting
Debit card transactions are a growing point-of-sale transaction nowadays because of the convenience and speed of purchasing goods and services. The difference between that two is that with Online Debit, your client enters his/her personal identification number (PIN) and funds are immediately deducted from their account. An offline debit, on the other hand, takes 24-48 hrs from the sale for the funds to be deducted from the clients’ accounts.
What credit cards can I accept?
All major credit cards like MasterCard, American Express, Visa, Diner’s Club, JCB, Discover, and POS/ATM debit cards can be accepted with our payment solutions devices.
What device do I need if I want to start accepting payments with credit cards?
We need to know what merchant account will establish. Is it direct market or online payments? The number of transactions involved daily largely depends on which industry you are in. If you call us, we will be able to advise you on what devices are suitable for your business to grow.
What are the monthly fees involved?
Your monthly fees will be explained to you prior to signing of any contracts.
Can I charge a surcharge fee?
Although Ten U.S. States have some restrictions with surcharges (i.e. Colorado, New York, Connecticut, Florida, California, Kansas, Maine, Texas, Oklahoma, and Massachusetts), you can read on some rules and regulations online before imposing surcharge fees on your clients. You can go visit Visa’s and MasterCard’s Rules and Regulations for more information. As a responsible business, you should always inform your clients about surcharges if there are any. If you have a receipt, you should always separate the surcharge from the price of the product itself to avoid confusion for the client. This will also help you keep track of your cash inflow and outflow.
What is EMV?
EMV is a joint effort of the big companies Europay, MasterCard, and Visa to make sure that customers are safe when paying. It is a global standard for the operation of chip cards or integrated circuit cards (IC cards). They can authenticate credit and debit card transactions, Point of Sale (POS) terminals, and even Automated Teller Machines (ATMs).
What is PCI?

Payment Card Industry (PCI) makes sure that all transmitted credit card information is maintained in a secure environment. It is a set of requirements imposed on businesses that have Merchant IDs (MID). You can check their organization on www.pcisecuritystandards.org, which is an independent body created by major card brands like MasterCard, Visa, American Express, JCB, and Discover.

Pacific Island Payment Solutions Hawaii has a 24/7 Tech Support that you can call anytime if you have any problems with our products and services. Our customer service representatives are always willing to help you with concerns and questions. 888-962-8522

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