We provide a tailored solution for your businesses unique scenario. We take the time to understand you’re current payment infrastructure and provide guidance and advice on the most practical processing solution for your wants and needs.

Payment Card Industry (PCI) compliance is a set of standards that is mandated and governs credit card process security for any institution, business or entity that processes transactions via branded credit or dedibt cards (Visa, MasterCard, Discover, and American Express). These mandates ensure that organizations are compliant and set up in a way to protect cardholder and customer data in order to reduce credit card fraud and associated activities.

“Interchange” refers to the wholesale cost that the card networks (Visa, MasterCard, AMEX), assings each specific card type. Interchange Pricing is based on the rates that Visa and MasterCard publish twice per year. Interchange Plus pricing has the merchant pay the exact interchange rate for the accepted card type, in addition to a flat markup fee added by their Merchant Services Provider. Interchange Plus pricing models eliminate all hidden fees you would typically see in flat-rate or tiered pricing plans.

Once you have submitted the required documents and signed your application, the underwriting process is typically 6 hours to 3 days, depending on your industry.

Payment gateways are plugins that securely transmit card information from customers through e-commerce websites to the card networks. Payment gateways are the technology that bridges your customers payment and the card networks, and then deposits into your bank account. Payment Gateways typically have Dashboard, Transaction Log, Reporting and API capabilities in order to integrate into shopping carts.

Yes! We can help you set up separate merchant accounts for your retail locations, e-commerce stores, or payment gateway integrations.

“High Risk” is nothing to be afraid of. This term means that the product or service you sell doesn’t conform with the processing policy guidelines of your previous processor’s sponsoring bank. At TCG Payments, we pair you with a sponsoring bank that is tailored to your specific industry and ensure you are set up with a sponsor bank whose credit policy allows for your product or service.

An acceptable chargeback rate for a typical e-commerce store would be under 1.0%. This would mean you would receive 1 chargeback for every 100 orders you process. Ideally, you want to increase your fulfillment time and decrease your delivery time to keep chargebacks below 0.5%

TCG specializes in chargeback mitigation and deploys cutting edge technology for e-commerce merchants to refund chargebacks before they are posted to your account as well as automatically fight chargebacks

There are a few ways you can modernize your accounts receivable process. We can assist you with creating a simple payment page (URL), where your clients or customers can pay you via credit and debit card as well as ACH.

Yes! We can help you take payments on-the-go. Whether you want to walk around your store, accept payment at a trade show, set-up a food truck or key in a card on-site at a clients home, we can streamline your business.

Processing history or bank statements are required by all banks for the underwriting process. Previous history or bank statements give insight to the underwriting teams about the prospective merchant. Banks want to view statements in order to analyze refund and chargeback history. Underwriters want to analyze end of month balances to ensure your business can pay for any unforeseen risk and monthly fees. Monthly processing volume is also dependent on processing history and/or bank statements.