Merchant Services - Frequently Asked Questions

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General Questions

From offshore merchant accounts to the truth behind free merchant accounts, get answers to some of the most common and frequently asked questions. If you cannot find an answer to your question below please contact us online, or call us toll-free at 1-224-535-9462.

JJS Global takes pride in being able to answer your questions quickly and in a professional manner. As a leader in the High Risk Industry for more than ten years we have built a solid and robust knowledge base which we are pleased to share with you.


How Long Has JJS Global Been Processing Credit Cards Transactions For Internet Merchants?

JJS Global has been processing internet payments since 2001, and many of our merchants have been with us since our inception.

What Is The Best Way To Contact You If I Have Any Problems?

The first place and best way is use the form on our Contact page.

Otherwise, please email customer service at

Thank you

Do You Accept Both Electronic And Physical Delivery Merchants?

Yes, in many cases our merchants will offer both electronic download and physical delivery of products or services from their sites.

Does The Merchants Website Need To Be Hosted In Canada Or The United States?

No. You may have a website in whichever country you wish. You will simply be hyper-linking to us for the secure, on-line credit card processing, so whether your site is across the road or halfway around the world makes no difference to us!

Your Office Is Listed As Being In The UK, But Sometimes My Calls Are Routed To Your US Office. Why Is That?

JJS Global’s customer service and sales departments are located in the US

Payout Questions

How Do We Receive Confirmation That An Order Has Been Placed On Our Website?

Any customer that inputs a transaction for approval will be assigned a sequential sales order number from our system, whether they are approved or declined. Emails are sent automatically to the merchant. In addition, if you lose an email or unable to retrieve it, our online merchant accounts reports capture all information about the transactions stored by sequential sales order #’s. That way you will see any order you are missing. 

How Do You Handle “Credits/Refunds” To The Customers?

All credits/refunds are handled by JJS Global. These will occur if the merchant accounts holder is unable to deliver a product or service, has over-charged or agrees to refund a customer. Details about the transaction are sent to JJS Global and we will process a refund/credit to the cardholder. A credit or refund can only be done for a transaction processed through our system. The amount cannot exceed the original dollar amount.

I Haven’t Received My Wire Transfer This Week. What Should I Do?

Contact our Finance Department via email at with your inquiry, including your banking instructions and amount in question and we will respond as promptly as possible and always within 24 hours.

I’m Looking For An Offshore Merchant Account To Supplement My Local/Domestic Merchant Account. My Domestic Bank Pays Me Out Daily Or Three Days In Arrears. Can JJS Global’s Offshore Services Pay Me Out With These Terms?

Yes. Daily payouts are permissible for certain merchants’ credit card processing. Payout schedules are determined on a case by case basis by our banking partners.

If I Change My Banking Information, Can I Still Receive Wires?

Yes. Please contact JJS Global’s Finance Department and request a Bank Change Form. After filling it out, return it to our Finance Department as soon as possible with any changes recorded.

If I Process Less Than The Minimum Monthly Amount, Do I Still Get Paid?

Yes. However, whenever this happens, the payout schedule will be pushed back to the next payout cycle, assuming that the processing minimum will be met by that time.

In My Agreement It Reads That, For My High Risk Business, I Will Be Paid Two Weeks In Arrears. What Does That Mean Exactly?

Your merchant acquiring bank will withhold payouts for two weeks prior to releasing a payout for merchants. This means that the payouts received by a merchant are their earnings from the period ending two weeks prior.

What Happens If I Do Not Ship Items For Which A Customer Has Paid?

You will not be paid out. You must supply customers with products/services before payment is rendered. If you attempt to wait for payment prior to shipping out a product, your account will be disabled.

What If I decide To Close My Business, Will I Still Get Paid?

Yes. A payout schedule will be issued based on the terms of your agreement.

Why Does An IP Address Get Blocked?

When there are multiple declined attempted transactions or a fraudulent transaction from a certain IP address, the bank will block the address from any transactions. The bank does this to protect you, the merchant, from experiencing fraudulent transactions, which ultimately limits your chargeback exposure.

Merchant Account Questions

If I Live Outside Of The US Or CA, Can I Still Get A Merchant Account?

Yes, you can! JJS Global serves e-commerce and MOTO merchants worldwide. However, if you are looking for a retail merchant account and POS terminal, we can only provide them to U.S. merchants.

Can I Get A Merchant Account If I Am A Startup Business Owner?

Yes and no. The answer really depends on your industry. JJS Global works with multiple acquiring banks and some are able to provide merchant accounts to businesses that have no processing history.

What Type Of Tees Will I Pay For An Internet Merchant Account?

The fees you will pay for an Internet merchant account will vary based on your provider. Some merchant account providers charge an application fee and setup fees as well as monthly fees, including gateway access fees, service fees, AVS fees, and statement fees. You should expect to pay per-transaction fees, including a fixed transaction fee and discount rate.

How Do I Activate My JJS Global Merchant Account?

Once you finish integrating your website with the JJS Global payment gateway, email your account manager with your business name and Merchant ID (MID) Number. After we review your website, we will active your merchant account and notify you via email when it is complete. Please allow JJS Global 24 hours to activate your merchant account.

How Many Websites Can I Link To My Merchant Account?

As long as the websites pertain to the same industry and your JJS Global account manager approves the additional websites, you can link as many websites to your merchant account as you wish. However, if the industry is significantly different from the originally approved website, you cannot use your merchant account to process credit cards for that site.

How Much Do I Need To Process Each Month To Maintain My Account?

JJS Global’s banking partners that provide merchant accounts like to see processing volumes of at least $5,000 USD per month.

Do I Have To Sell Only To U.S. And Canadian Consumers?

No. Merchants processing with JJS Global can sell goods or services to consumers worldwide. Read about our international merchant account solutions.

What Currencies Can I Accept With A JJS Global Merchant Account?

The JJS Global payment gateway supports more than 160 different currencies, including USD, GBP, and euros.

What Is The Maximum Dollar Amount I Can Process For One Transaction?

The maximum dollar amount on each transaction is determined by your acquiring bank. Many banks have a $1,000 to $2,000 limit, while others may not have any restrictions at all.

Do The Merchant Accounts Have Monthly Processing Volume Caps?

Yes and no. If you have a domestic merchant account with JJS Global, then you will most likely have a monthly volume cap. For this reason, we encourage merchants processing high monthly volumes to establish offshore merchant accounts that have no volume caps.

Do Free Accounts With No Charges Or Additional Fees Actually Exist?

Free merchant accounts are a deceptive marketing ploy, or a straight out scam. Most advertisements for free merchant accounts typically entail a free application and no setup fees. However, you will still have to pay processing fees, including a fixed transaction fee and discount rate, and monthly service fees, including payment gateway access fees and statement fees.

Can JJS Global Help Me Find Tax Solutions For My Merchant Account?

Not only can your JJS Global account manager help you establish an offshore merchant account, but he or she can also help you incorporate your business offshore. With an offshore merchant account, your business will benefit from the same tax requirements as the offshore jurisdiction, oftentimes meaning little or no taxes at all.

Payment Processing Questions

Will JJS Global Provide Me With A Unique Billing Descriptor?

Yes, JJS Global will provide you with a unique billing descriptor. For businesses wishing to handle their own customer service inquiries, we can provide you with a billing descriptor that includes an abbreviation of your business’s name as well as a customer service telephone number. For those businesses that do not wish to handle their own customer service inquiries, JJS Global can provide you with its own billing descriptor and we will take calls on your behalf and involve you when necessary.

Why Do I Incur More Declines With 3D Secure Payment Processing?

With 3D Secure payment processing—or what is more commonly known as Verified by Visa or MasterCard Secure Code—cardholders create one password associated with their credit card account to authorize transactions. However, since many merchants do not use 3D Secure payment processing, cardholders often forget their password. This causes their credit card issuing bank to decline the transaction.

How Does SSL Payment Processing Work?

A website using a Secure Socket Layer (SSL) certificate identifies and authenticates the site and site owner to its visitors. The SSL certificate also encrypts personal data transmitted from the customer’s browser to your website.

The JJS Global website and payment gateway have SSL certificates and we require our merchants to obtain SSL certificates for their websites. We complete all transactions through JJS Global using SSL payment processing to ensure your customers’ sensitive credit card data is safe and secure at all times.

Can I Process Payments For More Than One Website?

Yes, you can process payments for as many websites as you wish. However, if the products on Website A are different from those on Websites B and C, then you will need to apply for separate merchant accounts. To process payments for a new site through an existing merchant account, your JJS Global account manager must approve it if it was not originally included on your application.

If The Nature Of My Business Changes, Can I Still Accept Payments?

If you change the nature of your business, then you MUST inform JJS Global or your merchant account manager. We will then determine if your new business type breaches your payment processing contract. However, if the nature of your business changes so drastically, your acquiring bank may not be able to provide you with a merchant account. In this situation, we will help you obtain a new merchant account through one of our many banking partners.

Additionally, if you do not notify JJS Global or your merchant account manager of such changes, you may be subject to fines, delays in payouts, merchant account interruptions, or a terminated merchant account.

Why Do Some Of My Customers Receive An International Charge?

If you sell goods or services to customers internationally, some of them may see an additional charge called the international transaction fee. International transaction fees are typically no more than $0.10 to $0.20. Neither JJS Global nor your acquiring bank imposes this fee. It comes from the cardholder’s issuing bank.

What Is The Difference Between Authorization And Settlement?

Although similar, authorizations and settlements are two different things.

An authorization occurs when your customer’s issuing bank approves the transaction request. Either the customer has sufficient funds in his bank account to process the debit card purchase or he had enough credit left on his account to make a credit card purchase. Alternatively, if there were insufficient funds in either bank or credit card account, the issuing bank would decline the transaction. There are several other reasons why a bank would decline a transaction request, including an expired card, incorrect information provided, or the cardholder canceled the account. The merchant does not receive approved funds at this part of the transaction.

A settlement occurs when the pending amount of approved funds has successfully transferred from the bank or credit card account to your merchant account. At this point, you will receive a payout from your acquiring bank or JJS Global based on your previously agreed upon payout schedule.

Payment Gateway Questions

How Does An Internet Payment Gateway Work?

The internet payment gateway automates the transactions between the customer and the merchant. The payment gateway performs various tasks for the transaction process. Some of them are given below:

  • Encryption – once a customer places an order through a website, the browser encrypts that information through a secure server encryption.
  • Payment Server – the information sent back by the merchant is sent to a relevant bank which acquires that information and then sends back the transaction information for authorization to the card issuing bank.
  • Authorization – that bank then sends back an authorization request, either acceptance or denial, to the payment gateway.
  • Confirmation – the internet payment gateway then sends back the relevant information to the website and the customer respectively.
  • Fund Deposit – the acquiring bank then deposits the funds into the merchant’s account.
  • Reporting – because of the internet payment gateway facility, the merchants can view their fund report online or download it for their convenience.

This may seem like a long process, and it is, but it takes only a few seconds.

For a merchant, doing business online has now become an easy process. Internet payment gateway allows the business owner to process all kinds of credit cards online

What Does A Payment Gateway Do?

Internet Payment Gateways make real time online credit card processing possible. The data is sent to the gateway via shopping carts and a secure server. When a credit card transaction is made, the payment gateway checks for validity, encrypts the transaction details, ensures its departure to correct destination and decrypts the responses that are sent back. It is very useful for e-commerce businesses.

What Does A Virtual Terminal Provide?

Payment gateways provide users with a virtual terminal. It allows hosting terminals for multi-user networking. A virtual terminal also provides an online reporting facility for all the transactions and orders made. Through secure servers, the merchants can login to a website and process credit cards, perform authorizations etc.

Virtual Terminal allows:

  • Easy usage – the virtual terminal is fast, reliable and easy to use online.
  • Manual Credit Card Transactions – with this facility, the merchants can now manually enter the credit card transactions. This is feasible for phone, fax and mail orders.
  • Cost Effectiveness – merchants can now save money and reduce cost by using the virtual terminal. With this they no longer require exclusive tools and fancy equipment.
  • Refunding – virtual terminal allows the merchants to refund the money to a customer’s credit card.
  • Security – it provides safe and secure servers (SSL) and reliable protection system.
  • Automatic Billing – it allows automatic billing. Merchants can now automatically bill their customers, especially for recurring charges.
  • Increased Sales – the virtual terminal allows the users to expand their business beyond the e-commerce world, as it is used for phone and fax orders as well, allowing the users to gain access to more users.
  • Reporting – running various reports have now become possible through the virtual terminal. Merchants can now also check the status and capture the previously authorized transactions though this facility.
  • Convenience – with the virtual terminal’s reporting facility it has become more convenient for the merchants to get automated services.

The virtual terminal acts as an intermediary between the merchants and their merchant accounts. It is a web interface, which allows the merchants to enter the customer’s details manually into a browser and submit them for fast authorization and processing.

What Is A Payment Gateway?

In order to process credit card transactions online a database is created that immediately checks the transaction and then captures the funds to be deposited later in the merchant’s account.

What Is A Virtual Terminal?

A Virtual Terminal, also known as VT, is a service that allows manual processing of credit card transactions through means of an electronic connection.

What Is An Online Payment Gateway?

Payment Gateways are usually a third party service that automates the transactions between the customer and the merchant. A payment gateway is a system that processes, verifies and accepts the credit card transactions on behalf of the merchant. Business owners are able to accept all kinds of electronic payment through these secure internet connections.

Why Get An Online Payment Gateway?

Payment Gateways make real time online credit card processing possible. When a credit card transaction is made, it checks for validity, encrypts the transaction details, ensures its departure to correct destination and decrypts the responses that are sent back.

A Payment Gateway also helps you to accept:

  • Credit Cards – it allows the clients to get real-time credit card authorization either via secure servers or via http with payment gateways.
  • Electronic Checks – many payment gateways also help process electronic check transactions online or in real time.

The customers do not need to be directly in contact with the gateway, as the data is sent to the gateway via shopping carts and secure server. The shopping cart uses plug-ins to send information to certain gateways in an acceptable format.

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