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Why do I see charges from three separate entities on my account?
Harbortouch bills items assessed to you per your merchant processing agreement. Harbortouch Financial bills items outlined on your Exhibit A if you have a POS system. FNBO is the bank utilized by Harbortouch for funding merchant transactions and or processing fees. This is also outlined in the terms and conditions of your merchant processing agreement.
How quickly am I funded for the transactions processed through my terminal?
All transactions are funded within 48 business hours unless otherwise specified on your merchant processing agreement. This funding time does not include holidays or weekends.
How does a transaction downgrade to a mid or non qualified rate?
All transactions are funded within 48 business hours unless otherwise specified on your merchant processing agreement. This funding time does not include holidays or weekends. There are a number of reasons transactions can downgrade, including:
• Keying in a transaction in a retail, card present environment
• Skipping terminal prompts (i.e., if the terminal asks you for a zip code and you skip past this prompt)
• Accepting specific card types such as rewards cards, world cards, business cards, etc.
You may visit the major card brand websites for additional information.
Why do I have a quarterly service fee associated with my Harbortouch equipment?
This fee is assessed per unit for full and complete software support throughout the entirety of your relationship with Harbortouch.
What is the Gateway Access fee?
This is charged by a service provider for use of its network.
I am receiving numerous offers from competitors. How do I know I’m paying the lowest rates possible?
It is common for other providers to solicit your business. We here at Harbortouch strive to remain competitive with the industry rates and offer top notch customer service. If you are questioning any items assessed or are receiving offers from other processing providers, Harbortouch is always more than willing to take a look at the offer you have received and meet or beat any competitor’s pricing. You may contact our customer service team at support@harbortouch.com or speak with a representative at 800-843-8117 option 3.
