Meritus Payment Solutions allows you to accept Visa, Mastercard, American Express, Discover, Diner’s Club, JCB, Carte Blanc, Voyager, Wright Express, and pin-based debit.

24–48 hours once a complete application is received.

Yes, inquire with a sales representative to learn more.

Yes, as long as the terminal is not proprietary.

From terminal device set-up to reporting analysis, the consultative team at Meritus is here to assist you in every step of the process. Our highly qualified and enthusiastic team will ensure that all your questions are answered and that you are fully aware of your business potential with Meritus.

Meritus fulfills our promise of dedication by ensuring your questions and issues are answered with exceptional efficiency and professionalism. Every question is valuable and our representatives are ready to fulfill their promises and exceed expectations.

Our veteran client managers are available for 24-hour phone support for technical and integration assistance, re-orders and training and support.

Meritus is at the forefront of risk management in the transaction and payment processing industry. We continue to evaluate and implement better processes and procedures to enhance our ability to protect your data and protect your business from fraud. Meritus is PCI Level 1 compliant.

Meritus provides a breadth of payment and transaction processing solutions that include credit and debit cards, gift and loyalty cards, Electronic Benefit Transfer (EBT), Automated Clearing House (ACH), Check 21 and more.

Meritus also offers virtual terminal software, advanced fraud protection and robust online reporting.

Authorization is a request from a merchant to charge a credit card. The credit card is not actually charged until the authorization is settled.

View our Payments Explained page for more information.

Settlement is a procedure in which a merchant request that some or all authorized transactions will be processed by a credit card processor. This processing includes charging the customer’s credit card and transferring the money owed to the merchant.

View our Payments Explained page for more information.

A chargeback is the result of an action taken by a cardholder who disputes a credit card transaction through their credit card issuer. The card issuer initiates a chargeback against the merchant’s account. The sale amount of the disputed transaction is immediately debited from the merchant’s bank account. Merchants have 10 days in which to dispute the chargeback. This may be accomplished by providing the card issuing bank with a proof of purchase by the cardholder. This could be a signature or proof of delivery.

Batch processing occurs when a merchant transmits the batch of daily sales stored in the terminal for processing. An “open” batch is one that is not yet “closed.” To close a batch or batch-out means to transmit the information from a merchant’s location to the processor.

The PCI Security Standards Council is an open global forum, launched in 2006, that is responsible for the development, management, education, and awareness of the PCI Security Standards, including the Data Security Standard (PCI DSS), Payment Application Data Security Standard (PA-DSS), and PIN Transaction Security (PTS) requirements.

The Council's five founding global payment brands -- American Express, Discover Financial Services, JCB International, MasterCard Worldwide, and Visa Inc. -- have agreed to incorporate the PCI DSS as the technical requirements of each of their data security compliance programs.

The PCI DSS requirements for merchants and vendors were all created to mitigate data breaches and prevent payment cardholder data fraud.

Note that enforcement of compliance with the PCI DSS and determination of any non-compliance penalties are carried out by the individual payment brands and not by the Council.