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Merchant Services Frequently Asked Questions

Answers to all your merchant services FAQs. 

Merchant Accounts

What is a merchant account?

A Signature Payments merchant account enables you to process credit and debit cards for your business. When a customer pays for a product or service with a credit card, the funds are first deposited into the merchant account and from there  transferred to the business bank account.

Do I need to enter a contract to accept credit cards?
Yes. Like all merchants that process credit cards in the United States, your ability to accept credit cards is contractual.
Once I run a charge, how long does it take for the money to show up in my business checking account?
There are many factors that can determine when you receive these funds, including your business type, the method by which you accept credit card payments from your customers, when you close your deposit batches, as well as posting policies of your bank, to name a few.
What kind of credit cards and payments can I accept?
The ability to accept all card types gives you a competitive advantage and adding AMEX to your card acceptance options is a wise business decision. To apply for AMEX, you can either call our Customer Service department at 800-631-3072 or you can log into our online Merchant Resource Center here at merchantinfo.com. A merchant account allows you to securely accept a wide variety of payment types including Mastercard®, Visa®, American Express®, Discover®, debit cards, mobile wallet, checks, and EBT.


What is a monthly minimum?
Great question! A monthly minimum fee is the minimum amount of fees that Signature Payments will charge if you don’t process any credit card transactions in a given month.
What are Interchange fees?
Interchange is a fee charged to you by your payment processor and paid to the bank that issued the card. Interchange fees are usually stated as a percentage of the total transaction plus a flat charge per transaction. The payment processor doesn’t receive any revenue from interchange fees, and interchange rates are the same across processors.
What are processing fees?
Processing fess are the fees charged by the payment processor to the merchant in exchange for card processing services.
How do I review my processing fees?
With Signature Payments, your monthly statements are conveniently available via our online Merchant Resource Center located at www.merchantinfo.com.


What is CVC, CVV2 or CID codes?
The CVC or CVV2 is a three-digit code following the signature box on the back of VISA, Mastercard or Discover Cards. This code is an additional layer of protection in preventing credit card fraud. CID is a similar, four-digit code for American Express cards and it is located on the front of the card.
What is settlement?
Settlement or settling a batch is the process through which a merchant receives their funds for a transaction with a customer. It is the exchange of funds between a card issuer and an acquiring bank to complete a cleared transaction and the payment to a merchant for the amount of each card sale that has been submitted into the network.
What are chargebacks and how will they affect my business?
A chargeback occurs when a consumer makes a purchase and afterwards disputes or questions the charge with their bankcard issuer. Usually, this happens because the customer is unable to resolve the issue with the merchant. The bankcard issuer then contacts the processor (Signature) and the processor in turn requests that the merchant provide documentation related to the disputed transaction. The burden of proof lies on the merchant to verify the validity of the transaction and the satisfactory delivery of service or product. The merchant must respond in ten business days to verify the purchase. Chargebacks can affect your business because they cost you time and money. They could also negatively impact your processing reputation and limit your ability to accept credit cards.
What is PCI?

PCI stands for Payment Card Industry. The PCI Data Security Standards are payment card network and industry mandated requirements for handling of credit card information, classification of merchants, and validation of merchant compliance. Merchants are responsible for the security of cardholder data for any damages or liability that may occur as a result of a data security breach or other non-compliance with the PCI Data Security Standards. 

What is cardholder data?

Cardholder data is any personally identifiable data associated with a cardholder. This could be an account number, expiration date, name, address, social security number, etc. The PCI Data Security Standards apply to all cardholder data stored, processed, or transmitted.


Phone: 800.631.3072

Email: info@signaturepayments.com


CKC Holdings Inc is a BBB Accredited Credit Card Merchant Service in Burbank, CA

Signature Payments is a registered ISO and MSP of Westamerica Bank, Santa Rosa, CA and Merrick Bank, South Jordan, UT.  PRIVACY POLICY