Customer Support | Total Processing

Is a chargeback refund?

Is a Chargeback a refund? No. A chargeback is different to a refund in that a customer will contact their bank when they think or

Is a chargeback a refund?

Is a chargeback a refund? No. A chargeback is different to a refund in that a customer will contact their bank when they think or

Visa/Mastercard chargeback codes

Visa/Mastercard chargeback codes.

All major card brands will assign different reason codes for chargebacks; including Visa and MasterCard. These are readily available online.

Do you accept Visa/Mastercard?

Yes, we accept Visa and Mastercard amongst 198 other payment methods.

Recurring payments

What are recurring payments?

Recurring payments allow you to take scheduled payments from the same customer.

Can I access the Virtual Terminal via mobile?

Yes, our virtual terminal is optimised for mobile use.

Card security code checking

The card verification number, also known as the CVV number, refers to the last three digits printed on the reverse of nearly all debit and

AVS (Address verification service)

The gateway is equipped with the ability to provide an address verification service (AVS) The gateway is equipped with the ability to provide an address

Levels of compliance

What are the different levels of compliance? There are four levels of compliance. The level you need is dependent on the type of processing you

MID access

Do I need a Merchant Account for Total Control?

Yes, you will need a MID with Total Processing to access Total Control.

CBD THC levels

Why do I need to display THC levels on my CBD products? CBD merchants need to clearly state that their products contain less than 0.2%

High Risk Transactions

What are high-risk transactions?

A transaction is deemed high-risk by the industry it is made within; such as CBD, Gambling and Adult industries.

Total Control

What is Total Control? Total Control is our proprietary and innovative CRM tailored to provide merchants with data-rich insights and reports from data that comes

How is Total Control different from the Gateway/ Virtual Terminal?

How is Total Control different from the Gateway/ Virtual Terminal? Total Control consolidates information from the Gateway and the Virtual Terminal for merchants to interact

MCC business codes

What are MCC codes?

MCC codes aka Merchant category codes are assigned to businesses to help banks identify a transaction.

How do I access Total Control?

Access credentials will be provided to you depending on your business when you onboard with Total Processing.

Which MCC codes are considered high-risk?

Which MCC codes are considered high-risk? MCC 6012 is the most commonly known high-risk merchant ID. However, Merchants operating in CBD, gaming, gambling and the

CBD processing prohibitions

Flowers, Seeds, Buds and Hash The sale of Flowers, Seeds, Buds and Hash within the CBD industry is prohibited by most acquirers. The sale of

How do you integrate with WooCommerce?

WooCommerce is integrated with your ecommerce platform using our plug-in functionality.

FCA

What is the FCA?

The FCA is the financial conduct authority and regulates the conduct of financial institutions in the UK.

WooCommerce

Do you integrate into WooCommerce for me? We can provide integration documents to assist in this process and will integrate it for you at an

E-Commerce integration

How long does integration to my e-Commerce platform take? Integration time is entirely dependent on the e-Commerce platform you are using and the nature of

CBD at POS

Can I process CBD at POS? Processing POS with CBD is currently dependent on your business model. Please contact us to learn more. Check out

CBD risk

Is CBD classed as high-risk? CBD is considered high-risk due to the potential illegalities of the business and the changing nature of the regulations surrounding

CBD ingredients

Do I need to list the ingredients on my CBD products? Merchants must list all additional ingredients in addition to THC and CBD content on

CBD payment gateway

Why should I use your gateway for CBD? As CBD is considered a high-risk industry, many gateways commonly shut a merchant’s processing capabilities down or

Recurring CBD Payments

Can I take recurring payments for CBD? Due to the high-risk status of CBD business models, recurring payments for CBD businesses is only available in

MOTO payments

I want to process MOTO, what do I need?

You will need a virtual terminal that sits atop of a payment gateway.

How can I set up recurring payments?

You can set up recurring payments easily via our CRM ‘Total Control’.

Becoming PCI compliant.

How do you become PCI compliant? To become PCI compliant merchants must first assess their current compliance level by completing an SAQ self-assessment questionnaire. The

Do I need a gambling license with Visa and Mastercard?

Do I need a gambling license with Visa and Mastercard? This would depend on the nature of your business, for instance, games skill businesses may

Setting up and managing recurring payments

How do I manage recurring payments?

Recurring payments can be managed via the CRM.

What payment methods can I accept?

What payment methods can I accept? This is entirely dependent on the location and nature of your business. To learn what payments you can process

Taking recurring payments via the CRM

How do I manage recurring payments in the CRM?

You can manage your schedule and payment frequency via the CRM.

What payment methods do you accept?

Our gateway can accept over 198 payment methods in 196 countries, including major card brands and contactless payments.

Do I need an FCA Licence?

Do I need an FCA Licence? Consumer credit firms, Investment firms, payment services, and other financial institutions will need to be authorised and registered by

Merchant Code 5814

Interchange rates for Merchant Code 5814 Merchants holding an MCC 5814 classification are not eligible for some VISA or Mastercard interchange fees, however in regards

Do we need to be compliant if Total Processing is?

If Total Processing is compliant and we use your gateway, do we need to be compliant? Yes. Using our gateway reduces your exposure to malicious

Who does PCI compliance apply to?

All businesses taking card payments, outside of an i-frame, regardless of size.

What is a Virtual Terminal?

What is a Virtual Terminal? A virtual terminal is a virtual rendering of a credit card terminal, accessible online, used to take mail order and

Do I need to become PCI compliant to take payments?

Do I need to become PCI compliant to take payments? Whilst PCI compliance is not a legal requirement, non-compliant merchants will be subject to severe

Can I use another gateway with your Virtual Terminal?

No, our virtual terminal is integrated into our payment gateway.

What is PCI Compliance

What is PCI DSS Compliance? The Payment Card Industry Data Security Standard is a set of standards in place to protect data from transactions made

E-commerce integration

E-commerce Integration How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform you are using and the

How do you integrate with WooCommerce?

WooCommerce is integrated with your e-commerce platform using our plug-in functionality.

What is WooCommerce?

WooCommerce is a plugin for WordPress that facilitates e-commerce businesses.

MCC 5814

What is MCC code 5814?

MCC or Merchant Category Code 5814, is the business classification code for merchants processing payments in the fast-food restaurant industry.

MCC 5814 (1)

What merchant category code are fast-food restaurants?

The MCC code for fast-food restaurants is MCC 5814.

Merchant category code 6012

The merchant category code 6012, also known as the MCC code, is related to payments taken for financial institutions, primarily those merchants that deal with

WooCommerce

How long does integration to my e-commerce platform take? Integration time is entirely dependent on the e-commerce platform you are using and the nature of

How do I reduce the number of high-risk transactions I get?

A transaction made within high-risk industries will always be deemed as such. However, ensuring that your processing environment is as secure as possible will reduce

Chargeback Ratios

When applying to processing payments an acquirer will consider many things. However your chargeback ratio must not exceed 1% throughout your processing period. The optimal

Chargeback Protection

Merchants typically have an upfront or rolling reserve that acts as a protection scheme against chargebacks. Using the right payment processor, merchants will also have

Chargeback disputes

Whilst it does not happen often, what is known as a '2nd chargeback' against a customer can be raised. This is does not alter or

Visa-Mastercard chargeback codes

All major card brands will assign different reason codes for chargebacks; including Visa and MasterCard. These are readily available online.