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FAQ: iTerminal

What is iTerminal?
You can use Chase Paymentech's iTerminal® for retail, card-present transactions and a variety of other payment management functions. It is a web-based application that lets you use a computer as a point-of-sale (POS) credit card processing terminal. All you need is a PC or laptop with an Internet connection, web browser and a supported card reader to swipe the card. For helpful hints and instructions, take a look at our iTerminal How-to Videos and Reference Guides.

What can iTerminal do for me and my business?

  • Simplifies your payments infrastructure with no need for a cash register or a dedicated telephone line
  • Enables you to access a full range of processing functions needed to process credit card transactions, including sales, refunds and voids
  • Lets you choose whether to settle batch transactions automatically at the end of each day or manually oversee the process yourself by logging into iTerminal – when and where you want
  • Empowers you to research and retrieve past transactions quickly and with ease
  • Helps to secure your payments via a protected login with multi-tiered access
  • Supports a thermal receipt printer to provide customers with standard payment receipts

What are the costs associated with using iTerminal for credit card processing?
No two businesses are the same, and your merchant agreement will be customized based on your specific needs. Eligible new accounts may qualify for a free iTerminal*.

Does iTerminal offer fraud-detection services?
Yes. iTerminal supports the Address Verification System (AVS), as well as Visa® and MasterCard® Card Verification Values (CVSV, CVC2) and both American Express® and Discover® Card Identification (CID).

  • Address Verification Service – lets you enter a customer's billing address and compare with the address on file with the credit card company.
  • Card Verification Data – a verification process that utilizes a three or four-digit code printed on card; used when authorizing credit card transactions where the physical card is not present.

Can I process purchasing cards?
Yes. You can process purchasing cards with Level II data. Watch a short how-to video to learn more about using iTerminal.

Can I issue refunds through iTerminal?
Yes. On the New Order menu, select the Credit Refund or Debit Refund option, enter the required data and then click the Submit button. Watch a short how-to video to learn more about using iTerminal.

Can I use iTerminal outside my office – at a tradeshow, for example?
Yes. You can access iTerminal anywhere you have a secure Internet connection and a web browser. However, you will need a supported card reader to swipe cards.

How far back can I search in iTerminal?
iTerminal stores all transaction history for six months. You can look up items by card account number, your invoice number and/or a date range. Searches can be done at the batch or transaction level.

Are my merchant statements available from iTerminal?
You can use iTerminal to retrieve batch totals and the details of transactions within each batch. The transaction history function can be an invaluable tool to assist in customer service. Reports containing financial and settlement information, including statements, are not available from iTerminal, but can be accessed using the reporting tool for your merchant account. For more information on reporting, contact Customer Support.

Does iTerminal support any other payment processors?
This service is a proprietary system of Chase Paymentech and is only available to our merchant base. If you are currently using another payment processor, you will need to establish a merchant account with Chase Paymentech in order to use iTerminal. Contact Sales to learn more about switching.

If I have an existing merchant account with Chase Paymentech, can my company be set up to use iTerminal or must I establish a new merchant ID?
In some cases, we can use your existing merchant numbers to set up your access to iTerminal. In other cases, however, new identification numbers are needed. If you are an existing merchant, please contact Customer Support to find out.

How long does it take to set up iTerminal?
After your merchant account is approved and set up, iTerminal is normally activated within 48 hours. Contact Sales for more information about establishing an account.

Is the system available for use anytime?
Yes. The system is available on a 24/7 basis. The iTerminal system has an automatic time-out feature, based on 15 minutes of inactivity, to help reduce the risk of unauthorized use of the system. After 15 minutes of inactivity, you will be required to log back into the system in order to perform an activity. This is an industry-standard, required security feature to help protect your merchant and cardholder data.

Can I have multiple iTerminal accounts?
Yes. Each account represents one merchant identification number. As such, you may have multiple iTerminal accounts established, with each account set up for an individual merchant identification number. iTerminal also allows for multiple terminals so you may maintain separate batches.

Does the terminal capture items that will then be charged to a cardholder?
Yes. If you only authorize an item, you will need to complete it with a Prior Authorization. Otherwise, your transactions will be captured in the batch for processing.

Do I have to close out the terminal every day?
Yes, the batches must be settled every day using one of the following options: you may log in daily and settle all batches manually, or at the time of setup, Chase Paymentech can establish an auto-settle option for you. Under this option, we will automatically settle open batches at a pre-scheduled time every day. You can then select this auto-settle time during the application process and it will automatically close out every day for you.

Does the system report activity by user account?
Yes, iTerminal allows you to search and generate transaction or batch reports based on user account.

How do I perform a sale?
After logging in, you will be presented with a New Order screen where you can process a sale, pre-authorization, prior authorization or card verify. Watch a short how-to video to learn more about using iTerminal.

How do I charge a cardholder?
Charging a cardholder's account requires two events: first, you must authorize the transaction, and then you must settle open batches. iTerminal enables you to perform each of these steps as individual processes, or they can be consolidated into a single auto-settle process. When set up this way, you only need enter the transaction and iTerminal does the rest. All items that are captured in the batch will then be released for cardholder billing.

If I make an error entering data, how do I correct it?
If you have completed the transaction, you can use the Void feature to reverse the transaction within the open batch, or perform a refund for transactions that have been settled. Watch a short how-to video to learn more about using iTerminal.

If I have a question, where do I go for support?
A staffed support center is available 24 hours a day, 7 days a week. At the time of setup, you'll be provided a toll-free number and an email address to contact for all support questions. You can also contact Customer Support at any time.

* Receipt of free equipment is contingent upon the execution of a Merchant Application and Agreement with Chase Paymentech. Early termination of the Merchant Agreement may require the repayment of all or a prorated portion of the free equipment's value.