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Merchant Services FAQs

Getting Started

What is a merchant account?

A Wells Fargo Merchant Services account enables you to process credit cards, debit cards, gift cards, and electronic check transactions. These payment methods are convenient for your customers, and give you access to your funds as soon as the next business day. You can settle your Merchant Services funds to an account with another financial institution. When you settle funds and other Merchant Services activities to a Wells Fargo account, it must be a Wells Fargo business deposit account.

Why do I have to fill out an application? Why do you have to check my credit?

We ask merchants to complete an application so we can obtain information to assess the risk level that your business or organization may have when processing card payments. We review your credit as part of this assessment process.

Can internationally-based merchants open a merchant account?

No. Merchants physically located outside of the U.S. cannot process transactions with a Wells Fargo Merchant Services account. Currently, only merchants with a physical business address in the U.S. may process transactions with a Wells Fargo Merchant Services account.

What kind of credit and debit cards can I accept?

Common cards you can accept are Visa®, Mastercard®, Discover®, American Express®, and JCB. American Express and JCB are subject to processing network approval.

I am opening another business location and would like to accept credit and debit cards. What do I do next?

  • If the legal ownership of the new store is the same as your existing merchant account with us, and it is also the same type of business, we can open an additional location under your current merchant account unless you are opening an eCommerce/online location. 
  • If the business type of your new store is different, you will need to set up a new merchant account for the new location.

If you are planning to open another location or need assistance, please contact our Wells Fargo Merchant Services Customer Service representatives at 1-800-451-5817.

I want to accept a different card type than Visa®, Mastercard®, Discover®, and American Express®. How do I accept other types of cards such as JCB, China Union Pay, etc.?

Please refer to the directions below for the preferred card type you wish to accept. If you have additional questions, please contact our Wells Fargo Merchant Services Customer Service representatives at the number provided on your statement.

  • JCB requires an entitlement number. If you do not have an entitlement number assigned by JCB, contact them at 1-800-366-4522.
  • For other card types not mentioned please contact us at 1-800-451-5817 for more details.


When will my equipment arrive?

New devices or equipment are shipped by overnight delivery on the day following the approval of your new merchant account.

Will the equipment be programmed and tested?

Yes, new equipment is shipped programmed and tested.

Fees and pricing

What are interchange charges?

These are the variable fees charged by the payment networks for processing transactions. Wells Fargo pays these fees on its customers' behalf, directly to issuing banks (the companies that issue payment cards to your customers) and the payment networks, such as Visa®, Mastercard®, Discover®, and American Express®, in compensation for facilitating the exchange of information and funds between your bank and your customers’ banks. Factors that affect interchange charges include card type, information contained in the transaction, and how/when the transaction was processed.

What are service charges?

Service charges, also known as the Discount Rate, are the amounts charged to authorize, process and settle card transactions. The service charges you pay are determined by a variety of factors such as:

  • Your payment processing methods (face-to-face with your customers, online, by phone or mail)
  • The types of cards your customers use to pay you
  • How quickly you settle transactions
  • The POS device you use to accept payments

What are fees?

Fees are the range of transaction-based and/or fixed amounts charged for specific card processing services.

How are my fees collected?

The fees are collected monthly, by an automatic deduction from the checking or savings account you specified.

Transaction process

How does the card payment process work?

Here is how the card payment process works:

  1. Customer places an order with the merchant.
  2. Merchant submits the order/transaction via their payment/point-of-sale system (POS such as a terminal, cash register, payment gateway, software). The system securely forwards the payment authorization request to the card issuing bank to verify the customer’s card account and funds availability.
  3. The authorization (or decline) response is returned via the system to the merchant. This process typically averages around three seconds.
  4. Upon receipt of the payment authorization, the merchant fulfills the customer's order.
  5. Merchant then “settles the batch” of transactions through their POS system, which requests from their processor to get a group of authorized settled transactions and the funds credited to their account. POS systems are set up to automatically batch transactions each day. Alternatively they can be set for manual batching, which requires the merchant to close their batch of transactions on a regular basis.
  6. Wells Fargo deposits transaction funds into the merchant's deposit account. When settling to a Wells Fargo business deposit account, funds are available as soon as the next business day.

What is an authorization?

An authorization that the cardholder number is valid for an approval on a cardholder account for a sale amount. Approval of an authorization request by the issuing bank is confirmation that the cardholder has funds available to make the purchase. It is not a guarantee of payment.

What information is included on my statement?

Your statement will include a summary of your transaction processing information received, processed, and funded to your checking account. The statement can be used to determine if the deposits and funding records balance back to your internal business reporting. The recap statement is used for merchants with multiple locations. Learn more about how to read your statement in our Guide to Process Card Payments (PDF).

Virtual terminal

What is a virtual terminal?

A Virtual Terminal is a browser-based application to process payments over the Internet. This feature allows you to accept cards from customers over the phone, fax, or mail. Orders are placed by manually entering card transaction data into the Virtual Terminal.

Does Virtual Terminal check AVS or CVV on the authorization?

Not automatically. Merchants must initiate Address Verification Service (AVS) checks and ask customers for their Card Verification Value (CVV), Credit Card Validation (CCV), Card Verification Value2 (CVV2), etc. values.

Can you import or export transaction data with Virtual Terminal?

Yes. Gateways permit for individual batches (files) to be downloaded or uploaded.

What is a virtual point of sale?

A virtual POS is a browser-based application (like a virtual terminal) that is paired with a card reader to process in-person payments. Depending on your card reader’s capabilities and type of card, a virtual POS allows you to accept card payments by dipping, tapping, or swiping the card. If the card reader cannot read the card’s chip or magstripe, you can manually enter the transaction data into the virtual POS application.

eCommerce processing

What is a payment gateway and how does it work?

The payment gateway is a link between your website (or the website hosting your goods or services) and your payment processor (Wells Fargo). When your customer makes an online purchase, the information from your website must be sent through a payment gateway to obtain an authorization and for a payment card transaction to be completed.

Payment gateways work with a variety of e-Commerce service providers such as shopping carts and digital wallets.

Why do I have to post a refund/service return policy?

We want to make sure your customers understand fully the product/service they're purchasing and any courses of action should they be unhappy with their purchase. By including your refund/service return policy on your website, you help reduce the likelihood of disputes from your customers. Visa®, Mastercard®, Discover®, and American Express® also require a refund/service return policy.

I already have a shopping cart. Why do I need a payment gateway?

The shopping cart collects items from your customer, adds up the item's costs, calculates taxes and shipping costs, and provides a total amount to the customer.  A payment gateway's function is to collect the purchaser's name, address, credit card number, and expiration date. The payment gateway securely sends this information and verifies that the purchaser has enough funds in their account at that time to pay for products ordered.

Can I manually process transactions?

Yes. You can manually process transactions with the virtual terminal feature included in all gateways offered by Wells Fargo Merchant Services.

Payment Card Industry (PCI) data security standards

What are the PCI Data Security Standards?

The PCI Data Security Standards are payment card network (Visa, Mastercard, Discover, and American Express) and industry mandated requirements for handling of credit card information, classification of merchants, and validation of merchant compliance. Merchants are responsible for the security of cardholder data and must be careful not to store certain types of data on their systems or the systems of their third party service providers. Merchants are also responsible for any damages or liability that may occur as a result of a data security breach or other non-compliance with the PCI Data Security Standards. The information security principles contained within these standards are based on ISO 17799, the internationally recognized standard for information security practices.

Do I need to comply with PCI Data Security Standards?

Yes. The program encompasses all merchants and third party service providers that store, process, or transmit cardholder data.

What are the benefits of being in compliance with the PCI Data Security Standards?

It is good business practice to adhere to the PCI Data Security Standards and protect cardholder information. Additionally, Visa, Mastercard, American Express, and Discover may impose fines on their member banking institutions when merchants do not comply with PCI Data Security Standards. You are contractually obligated to indemnify and reimburse us, as your acquirer, for such fines. Please note such fines could be significant, especially if your business is compromised and you have not been validated as compliant.

What is cardholder data?

Cardholder data is any personally identifiable data associated with a cardholder. This could be an account number, expiration date, name, address, social security number, etc. The PCI Data Security Standards apply to all cardholder data stored, processed, or transmitted.

What is a Compliance Classification Level and how is a merchant’s compliance classification level determined?

A merchant's Compliance Classification Level is determined by annual transaction volume. The volume calculation done for you will be based on the gross number of Visa, Mastercard, American Express, or Discover transactions processed through your merchant account.

What is an IP-based POS environment?

The point of sale (POS) environment is the environment in which a transaction takes place at a merchant location (i.e. retail store, restaurant, hotel property, gas station, supermarket, or other point of sale location). An Internet protocol (IP)-based POS environment is one in which transactions are stored, processed, or transmitted on IP-based systems, or systems communicating via TCP/IP.

Could my compliance requirements change?

Yes. As your transaction volume changes, and as payment network and industry rules change, your compliance requirements may change. It is your responsibility to be continuously aware of the data security requirements that currently apply to you.

Data store protocol

What rules apply if a merchant does not store cardholder data?

If a merchant does not store cardholder data, the PCI Data Security Standards still apply to the environment that transmits or processes cardholder data. This includes any service providers that a merchant uses.

What processing software/applications are currently known to be compliant?

Below you will find a link to the card processing software programs that Visa® has validated to be compliant with the PCI Data Security Standards requirements, including the requirement that after authorization, Security Data will be purged from the records and systems. Security Data is certain security information, including the full contents of any track of the magnetic stripe from the back of a card and the cardholder validation code (the three or four digit value printed on the signature panel of the card). Copies of these software programs that have version numbers older (those with a lower version number) than those indicated must be either upgraded, have a special security patch installed, or be replaced with compliant software to ensure that you do not store Security Data in violation of Visa's, Mastercard's American Express' or Discover's rules. If you are using any software programs different than the programs indicated, you must confirm with your software vendor that the version you are using is compliant with current security requirements.

Access this list of card processing software programs, and choose "Payment Application Best Practices" under the "Visa recommendations" section.

Compliance assessment

What is a self-assessment questionnaire (SAQ)?

The PCI Self-Assessment Questionnaire is available for download on the PCI Data Security Standards Council website. If a business chooses to enroll with one of the PCI Security Standards Council Qualified Security Assessors to perform the system perimeter scan, they may complete the approved assessor's Compliance Questionnaire in lieu of the version posted on the PCI Council website.

What is a system perimeter scan?

A System Perimeter Scan involves an automated tool that checks a merchant's or service provider's systems for vulnerabilities. The tool will conduct a non-intrusive scan to remotely review networks and Web applications based on the external-facing Internet protocol (IP) addresses provided by the merchant or service provider. The scan will identify vulnerabilities in operating systems, services, and devices that could be used by hackers to target the company's private network. The tool will not require the merchant or service provider to install any software on their systems, and it will not perform any denial-of-service attacks.

Who needs to conduct a system perimeter scan?

The System Perimeter Scan is applicable to all merchants and service providers with external-facing IP addresses. Even if an entity does not offer Web-based transactions, there are other services that make systems Internet accessible. Basic functions such as e-mail and employee Internet access will result in the Internet-accessibility of a company's network. These paths to and from the Internet can provide unprotected pathways into merchant and service provider systems if not properly controlled.  If a merchant or service provider does not have any external-facing IP addresses, they will only be required to complete the Report On Compliance or the Self Assessment Questionnaire, as applicable.

Is the merchant responsible for compliance if they have outsourced the storage, processing, or transmission of cardholder data to a service provider?

Merchants should deal only with PCI Data Security Standards-compliant service providers. If there are service providers handling cardholder data on a merchant's behalf, the merchant is still responsible for the security of this data and must ensure that contracts with these service providers specifically include PCI Data Security Standards compliance as a condition of business. Per payment network rules, you must inform Wells Fargo if you are using a service provider. Click on this link for a list of PCI Compliant Service Providers.

Do merchants need to include their service providers in the scope of their PCI Data Security Standards review?

Yes. Merchants are responsible for the compliance of their service providers.

Penalties for non-compliance

Are there fines associated with non-compliance of the PCI Data Security Standards?

Yes. Visa, Mastercard, American Express, and Discover may impose fines on their member banking institutions when merchants do not comply with PCI Data Security Standards. You are contractually obligated to indemnify and reimburse us, as your acquirer, for such fines. Please note such fines could be significant.

Are there fines if cardholder data is compromised?

Yes. If cardholder data that you are responsible for is compromised, you may be subject to fines and other liabilities, including the following:

  • Potential fines (at the discretion of Visa, Mastercard, American Express, Discover, or other card companies).
  • All fraud losses incurred from the use of the compromised account numbers from the date of compromise forward. 
  • Cost of re-issuing cards associated with the compromise.
  • Cost of any additional fraud prevention/detection activities required by the payment networks (i.e. a forensic audit) or costs incurred by credit card issuers associated with the compromise (i.e. additional monitoring of system for fraudulent activity).

Other PCI compliance resources

Where can I go online to get more information?

For information on payment card network and industry cardholder information security programs, please visit the following websites on a regular basis:

Who can I speak to if I have questions?

If you have questions, please contact our Wells Fargo Merchant Services Customer Service representatives at 1-800-451-5817.

Chip card technology

What is the Oct. 1, 2015 EMV Liability Shift?

Visa, Mastercard, American Express and Discover announced that as of Oct.1, 2015, merchants who have not upgraded to chip card compatible equipment may be held financially liable for card-present fraud that could have been prevented by using the more secure EMV® technology.

Are merchants required to upgrade their terminal equipment to accept chip cards?

No. The EMV liability shift is not a compliance mandate. Merchants are not required to upgrade to chip card compatible equipment. However, we recommend merchants use chip card compatible equipment to avoid increased expenses due to the shift in liability that went into effect Oct, 1, 2015, and because EMV is a more secure method of accepting card payments.

What is the customer experience when they pay with a chip card?

For card present or in-person payments, when a customer presents a chip card, the merchant asks them to insert it into the slot in the PIN pad or terminal, or tap if the card supports contactless payments. The terminal guides the customer through the process. The customer will be prompted to authorize the amount, and may be prompted to enter their PIN or provide a signature. The chip card must remain inserted in the slot through the entire transaction. If it is removed too soon, the transaction will be cancelled.

If the PIN pad or terminal supports PIN bypass, the customer can bypass the PIN prompt by pressing the Cancel key. The transaction will then route as signature transaction and a signature line will be printed on the receipt for the customer to sign. If the card issuer approves a PIN bypass transaction, then the card issuer is liable for any card present fraud.

What does the payment experience look like for restaurants and other merchants that accept tips?

Accepting tips from a chip card may vary depending on a merchant’s point of sale. For example, wireless point-of-sale solutions can simplify the payment process for restaurants since a server can take a wireless chip compatible terminal to the table to collect payment and tip from the customer.

Some point-of-sale solutions will prompt for tip as part of the payment process due to PIN entry requirements. If your point of sale supports PIN bypass, you can continue to accept and edit transactions for tips just as you do today by pressing the Cancel key when prompted for tip, and pressing the Cancel key when prompted for PIN. This allows the point of sale device to print a tip line on the receipt and the transaction to be edited for the tip before settlement.

Once I upgrade my terminal equipment to accept chip cards, will I be able to accept and process chip card transactions? Will I be able to accept magnetic stripe cards?

Yes, if you have upgraded your terminal equipment with both chip compatible hardware (slot to insert chip cards) and software (software that enables the hardware to process a chip transaction).

Occasionally you may come across a damaged chip, or a chip card that is not ready to be used. In these scenarios, the chip card terminal or PIN pad may prompt you to swipe the card. The transaction will be processed as a magnetic stripe transaction, and if the card issuer approves the transaction, the issuer is liable for any EMV related fraud.

Once you have upgraded your terminal equipment with both chip compatible hardware and software, it is important to:

  • Closely monitor your chip card transactions
  • Ensure that staff are properly trained on merchant acceptance procedures for chip cards

Contact Wells Fargo Merchant Services Customer Service at 1-800-451-5817 or your Wells Fargo Merchant Services specialist immediately for a replacement device and to avoid any related fraud chargebacks to your account if:

  • Your currently chip compatible terminal or PIN pad suddenly stops allowing you to insert EMV chip cards. This indicates a hardware malfunction. 
  • You realize you are processing all chip cards as swipe transactions.

We’re here to help you upgrade your equipment to accept and process chip cards transactions. Get a quote, or call us at 1-866-380-9828, Monday – Friday, 7:00 am – 6:00 pm, Pacific Time. 

Already a Wells Fargo Merchant Services customer?  Call 1-800-451-5817 or contact your Wells Fargo Merchant Services specialist.

Business Track

How do I obtain access to the Business Track portal?

If you aren’t already enrolled in Business Track, you can self-enroll at any time by following these steps:

  1. Go to
  2. Under Create An Account, click Enroll.
  3. Select Begin Enrollment.
  4. Fill in all information that’s designated as required and click Next.
  5. Review the terms and conditions, select agree if you wish to continue, and click Next.
  6. Check the appropriate boxes for the various Business Track applications to which you want to have access and click Next. Be sure to choose ClientLine Reporting in order to receive online statements and basic reporting.
  7. You will receive notice of your approval status:
    • If you are automatically approved , an onscreen approval message will appear with your assigned user ID and temporary password. Make note of this information, click Login to complete your enrollment, and update to a new password as directed.
    • If you are not automatically approved , an onscreen pending approval message will appear. You will receive an email within 48 hours providing you with additional instruction.

Who do I contact if I have trouble enrolling in or signing on to the Business Track portal?

For Business Track or the enrollment process

Please call the Business Track Help Desk at 1-800-285-3978, Monday - Friday, 8:00 am - 10:00 pm, Eastern Time.

For your merchant account

Please call Customer Service at 1-800-451-5817.

What if I forget my user ID or password?

If you’ve forgotten your user ID or password after they’ve been established, go to , and select Merchant Login, then select either the Forgot User ID or Forgot Password link next to the login fields. Your user ID will be emailed to you. You will need to provide the answer to your secret question to have your password reset.

Will my password expire?

Yes, passwords expire every 60 days. You will be prompted the first time you sign on after 60 days to change your password. You will not be able to access the Business Track portal until you have changed your password.

What happens if I do not sign on to Business Track for an extended period of time?

In order to retain your access to the Business Track portal, you must sign on at least once every 120 days.  After 120 days without signing on, your access will be disabled and you will need to make a new request for enrollment where you will receive a new user ID. This is to help protect your account information from any unauthorized access.

Where can I update my email address associated with my user ID?

You can click on User Preferences to access the drop-down menu and select Update User Profile to update your email address.

Mobile wallet payments

How can I accept mobile wallet payments like Apple Pay®?

Businesses that accept contactless payments can accept mobile payments such as Apple Pay, Fitbit PayTM, Garmin PayTM, Google PayTM, and Samsung Pay. To accept digital wallet payments — also known as mobile payments or mobile wallets — at the point of sale, a terminal enabled with Near Field Communication (NFC) technology is required.

Additionally, payment gateways can also integrate mobile wallet acceptance with your website.

Merchants with questions about their terminals or payment gateway's capability to accept digital payments, can contact Wells Fargo Merchant Services at 1-800-451-5817.

Will merchants be charged a higher rate for transactions made through mobile wallets?

In-person purchases using Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, or Samsung Pay will be processed just like other in-person transactions. Similarly, purchases made in-app using these digital wallet payment types will be processed just like other online purchases.

Merchants with questions should contact Wells Fargo Merchant Services Customer Service at 1-800-451-5817 or their Wells Fargo Merchant Services specialist if they have additional questions.

How can merchants let customers know they accept payments from Apple Pay, Fitbit PayTM, Garmin PayTM, Google PayTM or Samsung Pay?

Many customers may already be familiar with the universal contactless acceptance symbol. This symbol usually appears on the front of a merchant’s contactless capable terminal or peripheral.

In addition, Apple, Google and Samsung have made stickers available for merchants to display at the point of sale.

Contactless symbol shows a hand holding a chip over the indicator inside an oval outline.

Which cards can be added to a mobile wallet?

Eligible Visa, Mastercard, Discover, and American Express cards can be used with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay.

What is a contactless payment?

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

What is NFC technology?

Near Field Communication (NFC) technology enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device.

Who provides the customer service for merchants wanting to accept mobile wallet payments?

Wells Fargo Merchant Services customers can call 1-800-451-5817 if they have additional questions about accepting these payment technologies, or they can call their Wells Fargo Merchant Services specialist.