First Data/Charge It Now Review

Overview:

First Data is a well-established credit card processor and it is also one of the oldest companies in the merchant services industry. This merchant service was founded in the 1960s and has since grown to one of the biggest such companies in the world. First Data was founded in Nebraska and is currently headquartered in Georgia. This company has more than 40 years of experience and processes 55 billion transactions annually. First Data works with clients all over the world including in South and North America, Asia and Europe. First Data is also ranked in the top 300 companies in the Fortune 500 list.
 

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Features:

First Data specializes in retail merchant services and offers some of the best POS systems available. The First Data POS equipment includes Ethernet, wireless and analogue devices that can handle almost any payment type including prepaid cards, online or physical checks, debit/credit cards and more. EMV acceptance protects the terminals and First Data® TransArmor® protects against failure and fraud. Clients will also enjoy easy financing for equipment, quick repairs and fast delivery.

The terminals can be programed to function on existing broadband connections instead of requiring an entirely new phone line to function. There are five different terminals available at First Data and all are available for lease or purchase. The e-commerce solutions at First Data include scalable, high performance models with shopping basket software, payment gateways and virtual terminals. The service is known as Global Connect and has card verification, address verification, returns, reporting, international payments, receipts and more.

Service Ideal For:

First Data has simplified its services so they are available, affordable and applicable to every business. There are a wide range of POS models so many different companies can get what they need – from international retail stores to travelling businesses. Each terminal is designed to offer power and value to a specific type of business. The e-commerce service is highly customizable and can be used by nearly any online business – large or small.

Sign Up Process:

You can sign-up for a merchant account with First Data online through the contact form or the live chat function. You can also apply for a merchant account via telephone by speaking to a sales representative. Clients will need to provide some personal information as well as business information. It usually does not take more than 3 business days to be approved. Once you are approved, your account will be set up and you can begin accepting payments in 24 hours. Accounts will generally be completely operational within 4 days. First Data has one of the highest approval rates in the industry at 99% and nearly all applicants will be eligible for some type of service at this company.

Pricing:

The pricing at First Data is based on individual business and depends on several factors including card charges, projected profits and more. The mandatory fees are the same for all accounts with a $10 monthly customer service fee that gives clients access to 24/7/365 support. Other retail and online models are close to the industry average but this award-winning service makes the pricing well worth it – First Data provides a lot of value for money.

Basic Pricing:

MONTHLY STATEMENT FEEMONTHLY MINIMUMMonthly Gateway FeeSETUP FEES
$10.00$15.00$19.95$0.00

Credit Card Fees - Retail

AVERAGE DISCOUNT RATERETAIL TRANSACTION FEEEQUIPMENT COST
1.59%$0.30$229.00+

Online Account Fees – No Card Present

ONLINE DISCOUNT RATEGATEWAY TRANSACTION FEEADDRESS VERIFICATION FEE
2.19%$0.25$0.00

Ease of Use:

First Data has one of the best customer service teams in the industry and while it costs $10 per month, clients will have access to account and technical assistance at any time of the day or night every day of the year. There are FAQs, downloads, online chat, manuals, email and telephone support available for clients. The wealth of support resources makes it easy to learn how to take advantage of this payment processing service and all systems and services are customizable to fit the specific needs of the business.
 

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