The annual fee covers the cost of shipping, postage and handling of warranty equipment, account maintenance, and interchange compliance adjustments.

Your terminal must be batched on a daily basis.

Contact Customer Service at 800-843-8117 option 3 to set up these payment options.

All payments are transferred within 48 business hours from the transaction.

In order to change DDA information, an ACH authorization form must be filled out and submitted along with a copy of the voided check to account maintenance. The form can be obtained by contacting Customer Service. The completed form can be faxed to 973-630-9050.

For change in business information, a letter specifying the changes should be faxed on company letterhead to account maintenance at 973-630-9050. This letter must also state that the federal tax ID will not be changing. For address or phone change, the same procedures apply. If legal name or federal tax ID will change, a new merchant application must be filled out.

E-mail giftcards@harbortouch.com or contact your sales representative.

Fill out the Merchant Referral Form from your welcome kit and fax it to the number on the form. This form can also be mailed or emailed.

Contact Customer Service to obtain the required form. This form must be submitted with your current financial information.

You can obtain various signage at no cost by visiting www.DiscoverSignage.com.

You may email support@harbortouch.com and we will provide you with this documentation.

You can e-mail support@harbortouch.com for your log in information. Please include your merchant number in your e-mail message.

You can access Harbortouch Online by going to www.harbortouch.com and entering your Harbortouch ID and password in the fields at the top right of the screen. If you do not have your log in information, you may e-mail support@harbortouch.com. Please include your merchant number in your e-mail message.

You are able to place your gift card order via Harbortouch Online. Access Harbortouch Online by going to www.harbortouch.com and entering your Harbortouch ID and password in the fields at the top right of the screen.
Then select the “Gift Card” tab and place your order. If you do not have your log in information, you may email support@harbortouch.com. Please include your merchant number in your e-mail message.

You may place a supply order by via Harbortouch Online. You can access Harbortouch Online by going to www.harbortouch.com and entering your Harbortouch ID and password in the fields at the top right of the screen.
Then select the “Resources” Tab followed by “Order Supplies”. If you do not have your log in information, you may email support@harbortouch.com. Please include your merchant number in your e-mail message.

Harbortouch has gone above and beyond to ensure that our merchant base remains PCI compliant. We offer PCI Compliance scans free of charge to every merchant. You may complete this by visiting http://pci.harbortouch.com.
This site also provides various information regarding PCI compliance. We also reach out to our merchants that may have equipment that is no longer compliant to ensure they receive the information needed and/or replacement equipment.

The Chargeback Processing Center will mail a chargeback notification when the debit is transmitted to your bank. It can take 2-3 business days for this debit to reach your DDA account. Typically, you will receive notification at the same time your checking account is debited if not using an Online IMS Service. To ensure you receive the most time possible to respond to your case, make sure that your address is updated in our system.

If the Chargeback Processing Center encounters difficulty at ANY point when deducting the chargeback amount from the merchant's DDA, etc., it is the processor's obligation to remedy any amount not collected. In most cases, a reserve is set up for security purposes to protect the Merchant Processor from any loss due to chargebacks. The reserve is held in case of default by a merchant. (Further details are located in your Merchant Account Agreement and Terms & Conditions).

You may email support@harbortouch.com and advise our support team that you have sold the business and would like to have the new owner set up with services, or you may contact your sales representative to have this completed.

This indicates that the issuer does not approve the transaction. Please do not continue with the transaction or attempt to force through/run again. Instead, request an alternative method of payment.

The cardholder is claiming that they were not in possession of the card at the time of sale and that they did not authorize or participate in the transaction. The merchant must supply proof that the transaction occurred, was authorized, and that the cardholder had knowledge of the sale, etc. (Refer to “Merchant Action Necessary” portion of Chargeback documentation).

Arbitration occurs when a disputed transaction cannot be settled through the chargeback process. The deciding body is the relevant card association. The merchant covers the cost for all fees, penalties and the transaction value where the case is not successfully defended.

Per the Harbortouch Merchant Account Agreement and the Terms & Conditions, the merchant agrees to keep sufficient funds in their DDA to cover any chargebacks.

It is extremely limited as to what a processor can do to protect a merchant from chargebacks. Harbortouch does offer a chargeback support team which can explain chargeback case documents and help the merchant respond to the case. However, the cardholder does hold certain liberties in questioning and disputing transactions made to their credit card account per the card association.

An authorization code is the response code direct from the issuing bank returned to the merchant at the time of authorization/sale. This code is usually a 6 or 7 digit number and is recorded either by the point of sale terminal or software, as well as printed on any receipt or sales draft.

If doing a phone or voice authorization, the merchant should record the authorization code for reference. The code serves as proof of authorization.

An authorization will only verify that a credit card account is active and that there are funds available. However, there are many different reason codes as to why a cardholder or their issuing bank initiates a chargeback.

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.

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.

This fee is assessed per unit for full and complete software support throughout the entirety of your relationship with Harbortouch.

This is charged by a service provider for use of its network.

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.