AA Merchant Services is Anytime Anywhere Merchant Services.

"The commitment to making your services for customers Anytime, Anywhere."

Frequently asked questions

1) Authorization Response type
(1) Approved : If the transaction is normally approved
(2) Declined / Card not Accepted
If the card issuing bank is denied payment due to insufficient funds, credit card limit, etc., you will need to request another card.
(3) Call / Call Center (appears on the screen)
Additional information is required before transaction approval.
Call the call center (1-800-228-1122) and answer and receive an authorization number.
If there is no problem, give an approval number.
Your card number and Merchant ID from your business are required to authorize your card
(4) Pick Up - Returns to the owner with the lost card and stops the transaction.
(5) NO Match - This is a counterfeit card.
If you use Code 10 Calls, you will be safe.
① Secure the card and cardholder information (Name, Address).
② Call the Call Center (1-800-228-1122) and speak directly with the Operator
"I have a Code 10 authorize request" OR "Code 10 , Please"
③ Call with Special Agent (Operator) - Answer simply, Yes or No
④ Cautions during the conversation - Keep your usual care so that you do not suspect your guests.
⑤ Follow the instructions of Special Agent.
If you do not want to return the card, you can give it back to the owner depending on the situation.
a. Invalid Merchant # - If the type of card is unregistered, you need to apply for registration.
2) Invalid merchant ID in the machine or receipt means that the card can not be used.
Refund will be credited to your account in 3-5 business days.
1) Refund does not apply to Card Rate but only Transaction Fee.
2) Transaction fee is not charged for Void and Decline. (Third parties may be charged.)
3) If you scratched the card multiple times, you will not be charged unless you get approval (print receipt).
Even if the machine does not have a receipt paper, the approval (transaction) is completed, so if the paper is inserted do not make transaction I will be double charged In this case, the receipt is drawn using the reprint function.
Debit card can not refunded by cash but refund by credit card.
Card companies (visa, etc.): 70 ~ 80%
Network (first data): 10% to 15%
Agent (AAMS, CDS, BAKCARD SERVICE, NCC, etc.): 10% ~ 15%
1) Card reimbursement must be made from machine, not cash or CHECK.
2) When you sell something, you must tell the customer precisely the regulations such as return, refund and sum.
3) If you do not make a full refund, you should have at least one-quarter inch of the following words next to your guest receipt.

"NO REFUND" "EXCHANGE ONLY" "IN-STORE CREDIT ONLY"

1) Do not receive any surcharged.
- In California and five other states, state law may apply.
- Under $ 10 the employer has the right not to accept credit cards.
2) We can not accept debt instead.
3) It should not be exchanged for cash.
4) Customers need to get what they want, regardless of the amount.
5) Owners, family, relatives, employees can not use the card.
6) You can not get it at your own place on behalf of another business. (It can not be the station.)
1) The approved receipt must be kept for 3 years (VISA June, MASTER 18 months).
2) Sales of cards that are traded on or after October 1, 2011 are reported to the IRS by the Processing Company.
1) You must receive a SIGN.
2) Make sure the sign on the back of the card matches the sign on the receipt.
3) Please check I.D with your picture.
4) The last 4 digits of the card number on the front of the card, 4 digits on the back and 4 digits of the receipt should be the same. (If it does not match, it is a forged card.)
5) Make sure that the card number on the card, the name and the card number on the receipt are the same. (If the names do not match, it is a forged card.)
6) Avoid strange transactions (potential transactions with Chargeback) or comply with obligations.
- Ticket Only (Omni series), Force (Nurit series) to ask for a sale by entering the approval number received from the bank
- The act of making purchases several times larger than the general transaction amount
* Buying a lot only one item
* Buying only high-priced items
* Want to deliver fast, such as Overnight
* Ordering multiple times in a short time
- Someone else ordered another card, but the shipping address is the same
- When using multiple cards with similar numbers
- When you buy unconditionally regardless of item, size, color
- When the delivery address is not a businesddss address but is suspected to be a mailbox
7) The magnet on the back of the card has an account information line and a customer basic information line. If the name does not appear on the receipt, the customer information line is broken and ID and Sign must be confirmed.
8) Invalid batch sequence means bad call or batch number error, please call your company.
1) Definition
Requesting a refund from the card-issuing bank at the request of the card user to the owners
2) Examples
- When there is a question about the identity of the card user (theft or lost card)
- When there is a demand by the card user (when the customer can not remember the used item
- When there is a mistake of the employer and the employee (when the card is read by duplication)
- When there is doubt about the validity of the card
3) 3) Chargeback prevention
- All receipts must be retained for 2 years (18 months for MasterCard and 6 months for visa)
- Make sure that the signature and name on the back of the card match the sign and name of the receipt.
- When ordering by phone, use Imprinter Slip to check the ID. The Imprinter Slip is used in emergency situations such as machine breakdown, telephone order, etc. In this case, the discount rate increases by 0.3% because of the increased risk.
- Do not sell 100% if you touch the machine to the customer or manipulate the machine by your instructions (Ticket Only, Force function).
- For Manual Sale (Key-In), if the card is on-site, create an Imprint slip and sign both the credit card receipt and the Imprint receipt.
- If the card is not in the field, please check if the AVS / Customer Code's Response Code is matched
- In particular, when you order a call from out of the country, obtain a certificate of transaction such as Authorization Form, Shipping & Delivery Slip, and Purchase Order.
4) 4) Chargeback procedure
Step 1: Retrival Request
You must fax or mail a clear receipt copy before the deadline indicated in the Request Letter by asking the card issuer or card issuing bank to confirm receipt copy, and you will receive the result after 72 hours from the deadline.
Step 2: Chargeback
The step where the payment is withdrawn at the request of the card issuing bank and the amount is held. Sends various transaction data before the deadline indicated in Chargeback Notice.
Step 3: Pre-Arbitration(VISA) , Second Chargeback (Master Card)
In the first chargeback phase, the payment that we requested is rejected
Step 4: Arbitration
1.2 Chargeback Result The arbitration committee is the process of judging the legitimacy of card settlement. One of the owner and the card owner will bear the cost of the trial ($ 500).
1) Definition
In order to protect the huge loss caused by hackers penetrating customer terminal and creating customer's information and making counterfeit card, distributor of Visa, Master, Amex, JCB card company, At the end of the year, it is a procedure to report the relevant information to the CAS, and since it is difficult for the customer to carry out, the company authorized by the credit card company acts and receives a fee.
2) Cost
$ 59.40 / year (3rd party receives up to $ 135.00)
3) Non PCI Fee fine: $19.99/month
Even if you pay the annual fee, you will have the responsibility to help the customer not to be charged by the card company for the expenses incurred due to not registering the general information of the customer by filling out the website or documents of the agent. $ 19.99 / month And will not be protected when a hacker breaks in.
1) Definition
In order to protect the huge loss caused by hackers penetrating customer terminal and creating customer's information and making counterfeit card, distributor of Visa, Master, Amex, JCB card company, At the end of the year, it is a procedure to report the relevant information to the CAS, and since it is difficult for the customer to carry out, the company authorized by the credit card company acts and receives a fee.
2) Cost
$ 59.40 / year (3rd party receives up to $ 135.00)
3) Non PCI Fee fine: $19.99/month
Even if you pay the annual fee, you will have the responsibility to help the customer not to be charged by the card company for the expenses incurred due to not registering the general information of the customer by filling out the website or documents of the agent. $ 19.99 / month And will not be protected when a hacker breaks in.

1. AVS (ADDRESS VERIFICATION SYSTEM) card Billing address verification system

1) Defition
AVS does not have 100% guarantee for the process of checking through the address in the absence of a card, and it also keeps documents such as SHIPPING proof sheet and INVOICE together.
2) Things to check
- ADDRESS: You only need to insert STREET NUMBER.
- ZIP CODE
3) AVS CODES confirmation result
Despite the fact that there is no match at the terminal, a sale could increase the risk of a chargeback, which could lead to a complete loss.
Y Exact match Street address & Zip code match
Z Partial match Zip code match , Street address Not match
A Partial match Zip code Not match ,Street address match
N NO maatch Zip code and address Not match
G Unavailable Non US Card issuing bank
U Unavailable Address verification information unavailable
R Retry Retry, Address system is unavailable
S Unavailable Service not supported
W Partial match Only the 9-digit Zip code matches

2. CVV2 (Card Verification Value) / V-code

1) Defitiondiv
A three-digit number at the end of the card number on the back of the card that confirms the authenticity of the card. It is not a 100% guarantee, but it is a means to defend against chargeback.
2) Check cvv2code (V CODE)
Despite the fact that there is no match at the terminal, a sale can increase the risk of a chargeback and lead to a complete loss.
M CVV2 Match
N CVV2 Not Match
P CVV2 request not processed
S CVV2 should be on the card but merchant sent a code indicating there was no CVV2
U Card Issuer does not support CVV2

Invester

Issuing Bank

Visa / MC

Federal Bank

IRS

Card Issue
Approval, Payment,
Limit adjustment
Watch
세원확인

Processing Provider
First Data

1. Build Authorized Network, 2. Risk Management, 3. Send Statement, 4. Billing, 5. Data Distributer

I S O
AA Merchant Services

1. Contract, 2. A/S, 3. Communication, 4. Install Equipment

Merchant
Terminal

1. Build Authorized Network, 2. Risk Management, 3. Send Statement, 4. Billing, 5. Data Distributer

Card Holder

Purchasing

Do you have any questions? Call to +1 877-252-0379