Three sections apply as mentioned before:

1.   Website - purchase fee and monthly hosting fee.
2.   Gateway - monthly gateway fee.
3.   Merchant Account - initial fee and monthly fees from the bank.

Each area is a separate entity and depending on your needs, may not all apply. Please call our customer service for individual business recommendations, pricing and other beneficial products.

Please call customer service at 1 (800) 544-9459 to adopt a plan and pricing that works best for you.

You may call uSight Customer Service directly to purchase one at 1 (800) 544-9459.

Your merchant account will take about eight to ten business days to be approved. Any essential information that was not submitted with your merchant account form will cause the account to remain unprocessed. Common information that customers typically forget are: voided check, physical address or social security number. We typically try to contact you via the email submitted on your application, phone or letter - email is greatly encouraged as detailed instructions can be included. If it has been longer then ten business days please call us and we will find the problem for you.

Your voided check is used to establish which account your funds will be deposited into when your customers make credit card payments on your web site. A checking account allows you to make any refunds or credits to your customers as well. The bank will also withdraw merchant account monthly fees from here. Also if you ever need to change the account or your business name please see Question 15 under the "After Merchant Account Approval" heading on this page.

The gateway is what links your merchant account to your web site, much like a slide card terminal at a store links their merchant account. The gateway interfaces with credit card companies allowing the gateway to monitor and run transactions. This fee includes the cost of this process as well as maintenance.

No, your gateway fee is not included in your monthly lease payment. Your monthly lease pays for the cost of the merchant account and the gateway fee pays for the service that links your merchant account to your web site.

Your merchant account can be cancelled within the first three business days after purchase. Please complete the cancellation form on the back of your contract. Requests will only be accepted via certified mail. Refund requests will not be accepted by email, fax or phone (no exceptions). Outside of this cancellation period your merchant account may not be cancelled with a refund.

You are automatically set up to accept Visa and Master Card. To be able to accept American Express or Discover, please refer to Question 7 under the "After Merchant Account Approval" heading on this page.

All Merchant accounts will work on your website, however only certain gateways are compatible with the uBuilder. They are: uSight Gateway, uGateway, iGateway, Epenzio, Iongate, Authorize.Net, SecurePay, PayPal, eProcessing Network, Pay Systems, Link Point Basic, 2Checkout, Innovative Gateway, and Concord EFS. If your merchant account uses a different gateway than those that are listed above, please refer to the next question.

You can put in a request for our development team to look at the possibility of adding support for your gateway. Just email feedback@usight.com with your name, your ubuilder username, your contact information, the name of your gateway and your gateway URL. After receipt of your email, one of our technicians will contact you.

No, Your merchant account and gateway are all configured for Internet transactions only.

However, a good solution to this is a voice authorization:
When at a market or away from your computer you can use a cell phone to call the customer's credit card company and get a voice authorization using the following phone numbers:

Visa/Mastercard: 1 (800) 228-1122
Discover: 1 (800) 347-1111
American Express: 1 (800) 528-5200

A voice authorization basically allows you to hold funds on the customer's credit card for a few days until you process the transaction through your gateway. When you call the number, a computerized voice will ask you for your merchant id#, the customer's card number and expiration date, as well as the total amount you are charging the customer. The credit card company will then verify that there are enough funds on the credit card. If there are, then the voice authorization will be approved and you will receive a voice authorization number. You will need to write down the number along with the customer's name, credit card number, expiration date, billing address, and other contact information. One of the best ways to keep track of this information is a "knuckle buster" - This makes an imprint of the credit card on a paper receipt. Credit card imprinters can be obtained through several companies - preferably where you have your merchant account bank. This can be beneficial as you obtain a signature from the customer saying they approve the charge.

After calling and getting authorization you can take all of your receipts home and then log into your gateway.

When logged in, just simply go to your virtual terminal or new transaction and type in the information for the card and authorization number you received. If you do not enter and process the card in your terminal, then the transaction will not be processed and the funds will not be deposited into your account. Keep the receipts for your personal records. You will not need to send them into the bank.

You may obtain an additional retail merchant account by contacting your current merchant account bank.

For those switching from Iongate, this question, and the information in questions #5 and #7, will be the only information that will affect you.

You will want to go to https://gateway.usight.com for information on how to link your shopping cart to the uSight Gateway. There is information on using secure forms, as well as for a post-auth link.

If you are currently using the "Buy Button" with the Iongate, you will want to click here. It is our equivalent to the "Buy Button" for the uSight Gateway. If you are posting to the Iongate, you will want to click here. It is our post-auth documentation.

If there are still questions, please don't hesitate to call us at 1-800-544-9459 or to email us at customerservice@usight.com. We will be more than happy to help.

uBuilder password vs. Gateway password

These two are not the same. When first signing up you will receive your uBuilder username & password within 24 hours of the seminar. This password is used to log into the uBuilder where you design your web page.

The merchant account takes longer to process as it goes through the bank to meet final approval. Usually within 8-10 business days you will receive an email, phone call or letter with your Merchant Account Gateway login which means your merchant account has been approved at the bank and your gateway has been established.

1.   You must first link your website to the gateway. To do so, follow the directions in Question 3 in this section.
2.   You can log into the actual gateway control panel. On the bottom of the Merchant Account Information in your uBuilder you can click on the link of your chosen gateway. (See Question 4 in this section)

1. Log into your uBuilder at http://manager.ubuilder.com.
2. Select the "Your Information" option.
3. Select the "Merchant Account" option.
4. In the first box (has a pull down arrow) make sure the correct gateway is selected - almost always it will be uSight Gateway or iGateway.
5. Enter your gateway username and your gateway password (not your uBuilder username & password - two different things) in the spaces provided.
6. Click the "Update Information" button located at the bottom of the page.

Also please do the following in the uBuilder:

1. The two e-mail boxes, "Orders E-mail" and "Customer Service E-mail", are used to send you the results of an e-commerce transaction. If you do not provide a value for these, your e-mail address from the "Basic Information" section of "Your Information" is used. Also, please log into your gateway and verify your email address.
2. Go to "Main Menu" - "Your Information" - "Shipping Options". You must set your shipping options in the uBuilder or you will get an error and the merchant account will not accept credit cards until you change it.

When you first get your username and password please do the following:

1. Each day when purchases are made on your site they are grouped in what is called a "batch". These batches then are submitted to the bank for processing. You need to specify when you would like this to happen in your gateway. There are two ways to log into the gateway:
   1. Go to http://gateway.usight.com, click "Login" and type in your gateway username and password.
   2. Or go to your uBuilder http://manager.ubuilder.com and log in with your uBuilder username and password. Once here, go to - "Your Information" - "Merchant Account" - and click on the gateway login link in blue at the bottom of the page. You will then need to type in your gateway username and password.


2. Once you are logged in click on "Configuration / Options", then select "Settlement Configuration". Select which days and at which time your batches will be settled and click the submit button located at the bottom of the page. Settlement will be run at the same time each day. Now your transactions are ready to be processed.
   
   
3. Before logging out, be sure to verify your personal information and change your gateway password. To do this from the Main Menu, click on "Configuration / Options" and then select "Account Settings". Check over your information, make the appropriate changes and click on "Save Changes".
   

 
Note: When first logging into your gateway control panel, please do not make any changes other than the ones above until you have read the help files.

The gateway control panel affects how credit card information will be requested and sent. The gateway control panel is a very useful tool. Through it you can charge credit cards, issue credits, void transactions, run test transactions, set up recurring transactions, etc. We suggest that you occasionally run test transactions through your gateway and real transactions through your website, with a valid credit card, to verify that everything is working properly.

Yes. Here are the URLs to our gateways:

      · iGateway - Go to http://www.usight.com/igateway.shtml and click on "Gateway Login".
      · uSight Gateway - Go to https://gateway.usight.com and click on "Log in".

On the Account Settings page in your gateway, you will find the "Test Mode" option. If this is checked, all transactions run through your gateway with a card number of 4111111111111111 (Visa) will return as successful. In addition, all cards run with a card number of 5454545454545454 (MasterCard) will return as failed. Note that this applies to all gateway transactions, including post-auth and secure forms transactions.

Note that even with test mode checked, transactions run with real cards will still be run normally. This behavior allows you to simultaneously test and use your account.

Since test transactions are not actually sent to the processor, they will not be logged and they will not show up in your current batch. If the "Test Mode" box is unchecked, transactions using the test numbers will be sent to your processor, and will be declined. We recommend leaving test mode off unless you are actively testing, since this will prevent fraudulent "test" orders from slipping past.

Yes, your merchant account is already set up to accept Visa and MasterCard and can be changed to accept all credit cards. By default, your shopping cart is configured to not allow the use of Discover or American Express cards. To accept these cards some extra work is required on your part. To have credit cards other than Visa or MasterCard processed through your merchant account, you will need to contact each credit card company so they can verify that your website is a secure location by calling:

American Express: 1 (800) 528-5200
Discover: 1 (800) 347-3062

When you contact them with your website address, they will do a security check. Once they see that you have a secure website, they will give you an approval number. Give that number to the bank you currently have your merchant account set up with. When contacting the bank please have your merchant account ID # and the numbers provided to you from Discover and American Express. If you are unsure what your merchant account ID # is, please contact uSight Customer Service.

After your merchant account has been approved to accept those kinds of cards, you can then check the appropriate boxes in the uBuilder Merchant Account management page. This gives your customers the option to pay with Discover and American Express cards. Checking the boxes when your merchant account is not able to accept them, will result in customers getting an error on the order screen when they attempt to use these cards.

Your money is deposited into the checking account that you have provided the voided check for.

You are responsible for charging your state sales tax to your customers that live in your state.

You can set up recurring billing on a transaction that you would like to be charged on a regular basis, such as a subscription. To set up a transaction for recurring billing click the link on the details page of that transaction.

You can choose the amount that should be charged. This amount may be different from the amount of the original transaction. In addition, you may choose to charge in one of three ways:

    · Every fixed number of days
    · Weekly on one or more days
    · Monthly on one or more days

When a transaction is set up to be billed on a recurring basis, it will be stored as a formula detailing when the transaction will be run. These formulas are accessible from the Recurring Billing link on the Main Menu of the uSight Gateway.

From the Recurring Billing page you can choose to view the details of any of the formulas you have created. Besides viewing the details of the formula, you may also view all transactions run under the formula, as well as deleting the formula.

When you view all transactions run under a formula, you will see not only all successful transactions, but also all failed transactions. Failed transactions will typically oocur in the case of a cancelled card, expired card, or insufficient funds.

You will receive an e-mail from your site when someone has made a purchase. You can also view your orders in the "Your Orders" section of the Main Menu.

If you are having trouble getting your merchant account linked into your uBuilder, please contact our Customer Service department and one of our representatives will assist you. You may also refer to Question 3 in this section for instructions.

The first e-mail is used to receive the orders that are placed by your customers on your web site. The second is used to send an order confirmation e-mail to your customers when they have made a purchase.

There is no harm in using the same e-mail address for both. The first is used to receive the orders that are placed by your customers on your web site. The second is used to send an order confirmation e-mail to your customers when they have made a purchase.

Yes, contact your merchant account provider or, if it is through uSight, continue with the following directions.

You will need to complete the appropriate form for each and then fax it to the bank. To change the name of your business (i.e. from your personal name to a business name) you would need the DBA (Doing Business As) form. To change the checking account you will need the ACH form. Please contact our customer service by email customerservice@usight.com to obtain the forms.

Typically most codes will be self-explanatory. If you have the same error, try a different credit card. Also make sure that if it is a credit card other then Visa or Master Card, that you first establish your account with those companies (refer to Question 7 above). Here are some of the codes and their meanings:

1. S**** - This code means that you have not set your shipping options in your uBuilder.
2. G**** - This means that you have not set up your merchant account in your uBuilder.

If you are having problems with your merchant account, please contact Customer Service at 1 (800) 544-9459 and we will give you a hand.

Give us a call and we will help you get your username and password. Our customer support number is 1 (800) 544-9459.

Your gateway username and password should have been sent to you eight to ten days from the time you submitted your application to us. If you do not have it, give us a call at 1 (800) 544-9459 and we will be glad to help you.