FAQs

What is a Merchant Account?

Merchant accounts are bank accounts which enable your business to accept payments by credit card. A merchant account is required for accepting payments.

Can we use a merchant account we already have for accepting payments using your solutions?

Yes. There are typically a couple procedural steps that need to take place with your bank to authorize IPS to use the merchant account.

We don’t have a merchant account, what can we do?

You have a couple options. You can establish a merchant account on your own and authorize IPS to process your transaction. Or you can have IPS establish and ‘host’ the account for you. Discussing the scenarios with an account manager at IPS should help decide which approach would be best for your organization.

How long does it take to authorize and settle a transaction?

Transactions are normally processed within 1-2 seconds.

What does MOTO transactions mean?

Mail Order / Telephone Order. This transaction type does not require a signature from the customer. At a minimum it only requires the card number and expiration date.

What is SSL?

SSL (Secure Sockets Layer) is a method of ensuring the information submitted via Web site interaction is secure and cannot be accessed by unauthorized users. Information submitted is encrypted using a certificate key and then decrypted with another key after it has been transmitted.

Will we be required to obtain an SSL certificate?

No. Our web based electronic payments use IPS’s SSL certificate.

Have a question not listed?
Call David Smith at 866.904.8483, ext. 5304 or submit an inquiry online.