Industry FAQ

 General

When can I expect I receive my money?

Funds are deposited the next business day when you have batched out before 6pm eastern standard time. Any batches submitted after 6pm will hit the following business day.

Where do I get an explanation of rates?

We offer complimentary statement analysis 24/7/365. We also provide you with a monthly statement that has a breakdown of all rates and charges. We will gladly discuss the statement any time.

Do I have to buy a machine?

We offer a free terminal use program. Merchants who meet minimum requirements are able to use a machine free of charge, so long as they are a customer.

Can I process cards through my cell phone or tablet?

Absolutely, Capital Bankcard was one of the very first processors to offer mobile processing. We even have EMV capable card readers!

Can I process cards online?

Capital Bankcard has several options to connect a payment gateway to your website.

Why is it more expensive to accept credit cards over the phone?

When a card is not present, there is a higher likelihood of a fraudulent transaction. Visa/Mastercard/Discover/Amex charge a higher interchange rate for these transactions.

Why are rewards cards more expensive?

Credit cards that reward customers with cash back or travel miles are more expensive to accept because Visa/Mastercard/Amex/Discover essentially pass those rewards through to the merchant, making it more expensive to accept those types of cards.