Customer Support

Void versus Credit Rumble

Posted in Customer Support and tagged with , .

Void versus Credit Rumble! I know we have addressed this previously, but this topic bears a reminder as it could save real dollars. A void transaction takes place when a customer requests a return of a sale or perhaps even when a merchant mistakenly charges a credit card in error, like perhaps ringing in $1000 …

Read More

When Hell Freezes Over

Posted in Customer Support, Industry News.

When Hell Freezes Over. “When hell freezes over” … that’s when we thought the Card Associations would eliminate the need for signatures at the point of sale. Who knew? This is what is going down: as of April 13, 2018 Visa, MasterCard, Discover, and American Express will no longer require a signature for a credit …

Read More

New Chargeback Rules

Posted in Customer Support, Industry News.

New Chargeback Rules. For Visa sales, new chargeback rules will take effect on April 15. The highlights of these changes are as follows: The timeframe for merchants to respond to a chargeback is being reduced from 45 to 30 days. The Reason Code 75, titled “Transaction code not recognized” is being retired. The current 22 …

Read More

Transport Layer Security (TLS)

Posted in Customer Support, Industry News and tagged with .

Transport Layer Security (TLS). Transport Layer Security. Some merchants may have heard the phrase “TLS” or “TLS version 1.2” recently and may be wondering what this is, and how it impacts your ability to process credit cards. Transport Layer Security (TLS) is the updated internet security protocol, which defines how different devices/terminals securely communicate over …

Read More

1099-K Forms

Posted in Customer Support and tagged with .

1099-K Forms. The IRS requires all payment processors to annually report the total credit card sales from each merchant, and further, that these 1099-K forms be posted by the end of January. So please be on the lookout for them in the mail. Also labeled as “Payment and Third-Party Network Transactions,” the form typically breaks …

Read More

Skip the Slip!

Posted in Customer Support, Nonprofit, Social Responsibility.

Skip the Slip! As a certified B Corp and a conscious company committed to the triple bottom line of people, planet, and profit, we are always looking for ways to reduce our footprint — meaning how can we operate with the least waste of resources and energy. Green America (of which I am board chair) …

Read More

Settlement Funds

Posted in Customer Support.

Settlement Funds. We often receive calls from merchants who are puzzled by the difference between the sales that were settled on any given day and the amount of money that is deposited in their operating account. There are so many situations and reasons why deposits may not match the generated sales, some of which are …

Read More

Pacific Northwest Here We Come!

Posted in Customer Support, Dharma's Culture.

Pacific Northwest Here We Come! Merchant Services is moving to the Pacific Northwest in December! A number of factors have converged in making this decision, and we are very excited to be operating out of our new office in Vancouver, Washington beginning December 18, 2017. Most of our staff are moving to the area with …

Read More

New Employee Denieal Williams

Posted in Customer Support.

Denieal Williams.  Denieal Williams is the newest member of the Dharma team –– she joined us in June as a support specialist. Her background is in customer support and office support and management, and she will most likely be your first point-of-contact when you call in into Dharma for support. Although she was born in …

Read More

Cyber Security

Posted in Customer Support.

Cyber Security. As a client stakeholder of Dharma Merchant Services, you are one of over 3,000 businesses (generating over $1 billion of annual sales) across the country that trust us for providing payment processing services that are so critical to operating a successful business. There are increasing complexities to the process of accepting cards in …

Read More