Common questions

Dependable business internet service should be a given. Partnering with Southern Merchant Services gives you the tools you need to operate smoothly:

What if my credit score in not very good?

No worries, we maintain one of the highest approval percentages in the entire United States.

Who do I call with questions about my account?

Please call your Southern Merchant Services sales agent and he or she will assist you with solving any questions you may have.

I'm not sure how to operate my terminal/processing solution, who can help me?

Once you receive your solution, your Southern Merchant Services sales agent will ensure you are properly trained, so that you feel comfortable accepting credit cards.

When can I actually start processing my customers' credit cards?

Normally, you can start processing the next business day after your account's approval.

How long does it take to receive funds?

Typically, our merchants receive their daily funds within two to three business days.

What is your policy on returns?

Southern Merchant Services has extremely competitive rates and pricing, which we offer to our valued merchants, and we reserve the right to refuse sales of our products and services to those merchants who do not have an account with us. For our valued merchants, we offer replacement and warranty service for the first 30 days after receipt of your terminal. A manufacturer's warranty comes standard with all equipment sold by Southern Merchant Services. After the initial 30 day period, any issues will be handled promptly and we will assist in the resolution of service by the manufacturer. Merchants who return new and unopened equipment within the first 30 days of purchase shall be refunded the amount of sale minus a restocking fee of 15% to 25%. Return shipping costs shall be the responsibility of sender. Internet gateway license fees, software and any other set-up fees cannot be returned or refunded.