A: Yes, it is legal for a business owner to charge a fee for using a credit card, but there are specific regulations and rules that must be adhered to. This practice is known as a surcharge. Commerce Solutions advises that business owners clearly communicate any surcharge fees to their customers prior to the transaction. Additionally, the fee charged should not exceed the cost incurred by the business for processing the credit card payment. It's also important to note that different states and countries may have varying laws and restrictions regarding surcharges, so it's essential to stay informed about local regulations.

At Commerce Solutions, we can assist you in understanding and implementing credit card surcharging in a way that complies with all applicable laws and best practices.

The Durbin Amendment was passed by Congress in 2012 to help the American small business owner lower cost and increase cash flow.

A: At Commerce Solutions, we prioritize quick and efficient financial transactions to support your business operations.

Once a transaction is processed, funds are typically deposited into your account Next day Funding & Same Day Funding.

This timeframe can vary slightly based on your bank's processing times and the timing of the transaction. For example, transactions completed late in the day or on weekends may take a bit longer to appear in your account. Rest assured, we work diligently to ensure your funds are deposited as swiftly as possible, so you can maintain smooth and uninterrupted business activities.

A: A Payment Gateway securely processes and authorizes credit card payments for e-commerce. Commerce Solutions integrates this technology to ensure efficient, secure transactions, encrypts sensitive information, and supports various payment methods. Partnering with leading financial institutions, we offer reliable, scalable payment solutions.

A: At Commerce Solutions, we offer various processing programs for your business needs: 1. Credit Card Processing: Secure and efficient for all major cards. 2. ACH Payment Processing: Fast, cost-effective electronic bank transfers. 3. Mobile Payment Processing: Convenient for on-the-go transactions. 4. E-commerce Payment Gateways: Safe online transaction integration. 5. POS Systems: Advanced systems to enhance transaction speed. 6. Recurring Billing Solutions: Automated billing and subscription management.

Level 3 Processing for B2B & B2G: Safe for Business & Government agencies & Lower pricing on commercial cards.

Each program is flexible, secure, and efficient, suitable for businesses of any size.

A: With Commerce Solutions, you have multiple program merchant billing options to suit your business needs.

We offer tiered pricing, flat rate pricing, Interchange-plus pricing and Surcharge/Dual Pricing models.

Our tiered pricing model categorizes transactions into different tiers, each with its own rate.

The flat rate pricing option provides a predictable rate, making billing straightforward and uncomplicated.

The interchange-plus pricing model offers transparency by breaking down costs per transaction, including the interchange fee and a small predetermined markup.

The Surcharge/Dual Price lower the billing up to 99%, maximum cash flow for owners.

Each option is designed to cater to different types of businesses and transaction volumes, ensuring that you can choose the most cost-effective and efficient billing method for your operations. Our team is always available to help you compare these options and select the one that best aligns with your business goals.

A: No, you can choose to Get a Free Placement on either a Terminal or POS system, or choose to purchase or lease a Point of Sale (POS) system or terminal. Buying provides ownership and possible savings, while leasing offers lower upfront costs and easy upgrades. Our team will help you find the best fit for your business needs and budget.

A: Many of our plans don't include a cancellation fee, but terms vary by agreement. Review your contract or contact customer support for details specific to your plan. We're here to help with any questions.

A: Commerce Solutions integrates with QuickBooks, Xero, FreshBooks, and others. These integrations streamline operations, enhance e-commerce, and simplify accounting and CRM management. Our support team is available to assist with setup.

A: Yes, you will need to sign a contract to use Commerce Solutions' services.

Options:

Month 2 Month

1Year, 2year, 3year and 5 year for Government or Utility agencies.

We can even be creative with a 90 day trial period if needed.

This contract helps establish clear expectations and outlines the terms and conditions of our partnership. At Commerce Solutions, we believe in transparency and mutual commitment; thus, the contract details the scope of our services, pricing, payment terms, and other essential aspects of our agreement. Signing a contract ensures both parties are aligned and protected, enabling us to deliver the highest quality service tailored to your business needs. If you have any questions or need further clarification about the contract, our support team is always available to assist you.