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Why Choose Wells Fargo Merchant Services?

Payment processing services from a name you trust

Talk to a Merchant Specialist Today 1-866-380-9828
Managing risk and loss is critical to maintaining a healthy bottom line at your place of business. As experts in the payments industry, we support you with best in class services and products.

Wells Fargo is one of the world's most trusted financial service providers for all your business payment processing needs.

Relationship PricingShow Details

A full-service relationship with Wells Fargo translates into relationship pricing that benefits your business. Our Wells Fargo Business Services® Packages are designed specifically for your business banking needs and can save you hundreds of dollars on frequently used financial products and banking services.

24x7 Support for our Merchant CustomersShow Details

When you have questions about your equipment or service, we’re just a phone call away. Call us at 1-800-451-5817, 24 hours a day, 7 days a week – we’re here to help. Our automated voice response system will quickly connect you to a specialist that will handle your particular issue.

We also offer Business Track – online access to your account information whenever you need it.

Next Day Funding and Payment ProcessingShow Details

Are you wondering how payment processing works? The authorization takes several steps but happens in seconds.

If you bank at Wells Fargo, the process is even simpler. With Wells Fargo Merchant Services, the funds from your Visa®, MasterCard®, Discover® Network, and American Express® transactions are in your account as soon as the next business day when you settle to a Wells Fargo deposit account.1

The Payment Processing Cycle

Payment Process Steps

The Details

Process Step 1
A customer (cardholder) presents a card to pay for purchases. For card-not-present transactions (payments made by phone, mail or online), the customer provides you with the account number, expiration date, billing address and CVV2/CVC2/CID code (Card Verification Code for security purposes).
Process Step 2
Wells Fargo Merchant Services electronically sends the authorization request to the card issuer (e.g. the cardholder's bank).
Process Step 3
The issuer approves or declines the transaction.
Process Step 4
Wells Fargo Merchant Services receives the approved or declined response and forwards this response on to you.
Process Step 5
You submit your transactions for settlement.
Process Step 6
Wells Fargo Merchant Services then deposits the funds to your account. If you have a Wells Fargo deposit account, you can receive your funds as soon as the next business day.1
We’re here for all your payment processing needs and our consultants are available to help you.
Call us at 1-866-380-9828, Monday - Friday, 7:00 am to 6:00 pm, Pacific Time.

1 For Discover® Network, next day funding is only available for full service transactions (i.e., the authorization, processing, and settlement is performed through Wells Fargo Merchant Services). Next day funding is not available for merchants to whom Wells Fargo Merchant Services provides authorization services only (not processing and settlement) for Discover Network cards. Only available for AMEX OnePoint®.

We Make Switching from Another Provider EasyShow Details

We make it easy to switch from another provider, plus we’ll cover up to $500 of your qualifying switching expenses2.

If your current equipment, software, or gateway is compatible with your Wells Fargo Merchant Services account3 and compliant with current industry standards, you may be able to continue using them. Or if you prefer to start with new services, we'll set you up with the terminals, gateways, PIN pads, printers, or software services that best meet your needs and the needs of your business.

Get Paid Fast
One of the biggest advantages to switching to Wells Fargo is that you get paid fast! If you have a Wells Fargo deposit account, you can receive your funds as soon as the next business day.4

Scalable Solutions
Switching to Wells Fargo means that whenever you're ready to expand, we're right there with you. Ready to move into online sales? Adding a new location? Whatever your business goals, we can provide the payment processing solution for your needs.

Contact our team of expert advisors at 1-866-380-9828 with your existing merchant account information and we'll help you get up and running with Wells Fargo Merchant Services today.

2 Rebate amount will be determined by eligibility and actual costs incurred up to $500. Offer valid as of 01/01/2013 for new Wells Fargo Merchant Services (WFMS) customers currently accepting credit and debit cards with another processor and who have a minimum annual processing volume of $100,000 in Visa®, MasterCard® or Discover® credit card transactions (excludes PIN debit processing) per qualifying location. To qualify, customers must activate their WFMS account by processing a minimum of $50 in Visa, MasterCard or Discover transactions within 30 days of their account open date and supply an invoice from their current processor or Value Added Reseller clearly indicating qualifying switching expenses billed within 60 days of WFMS account open date. Qualifying customers will receive their rebate to their merchant services statement in the amount equal to the lesser of the qualifying switching expenses or maximum rebate of $500 within 60 days of receipt and confirmation of the information on the rebate fulfillment form. Qualifying switching expenses include early contract termination costs and non-Wells Fargo reprogramming costs required to switch to WFMS. Account must be open, active and in good standing at the time of rebate. All other fees may apply; not valid with any other WFMS offer, Payment Suites, or Association/Franchise Programs. Offer subject to change at any time.

3 Some equipment may not be compatible with Wells Fargo Merchant Services products and/or compliant with current industry standards in which case it will need to be replaced.

4 For Discover Network transactions, next day funding is only available for Discover Network Cards with full service processing (i.e., the authorization, processing, and settlement of Discover Network Card transactions through Wells Fargo Merchant Services). Next day funding is not available for merchants to whom Wells Fargo Merchant Services provides authorization services only (not processing and settlement) for Discover Network cards. Only available for AMEX OnePoint®.

Payment Network and Industry ComplianceShow Details

When you take credit card payments from your customers, you’re responsible for ensuring their information is secure. We provide information and updates to help you manage your compliance with PCI-Data Security Standards.

The Payment Card Industry (PCI) Data Security Standards apply to all credit card and debit card transactions for Visa, MasterCard, Discover, American Express, and JCB payment networks. These security standards are internationally recognized best practices for cardholder data security and are intended to help you ensure that cardholder data is appropriately protected at all points in the course of a transaction.

Our professional support team will assist you by providing solutions that are PCI/PA-DSS compliant.

Manage Risk and FraudShow Details

Our advanced fraud management solutions are designed to help you avoid losses. Fraud management services such as: Address Verification Service, Card Verification Value 2 (CVV2), Card Validation Code (CVC2), Card Identification (CID), can help your business avoid taking on unnecessary risk or turning away legitimate buyers.

Address Verification Service (AVS) is available with our card not present solutions, and is a first-line defense for fraud detection, allowing businesses to compare the billing address provided by the customer with the billing address on file for the credit card.

Download the VISA AVS Guide (PDF*) for more information.

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Business Track Online Reporting ToolsShow Details

Managing your Wells Fargo merchant processing account has never been easier. With Business Track5 online account management, you can monitor your merchant account activity 24/7, at no extra cost. With at-a-glance summary features and improved navigation to frequently used applications, you can access and manage your transaction data with greater confidence.

Benefits and features:
  • Card processing summary – A graphic summary of your last seven days of payment card transactions.
  • ClientLine reporting – Access to over 150 scheduled reports viewable online or available via email.
  • Statements – View, print, and download your most recent merchant processing statement before paper statements are mailed.
  • Disputes – You’ll see a total count and dollar amount for outstanding retrievals and chargebacks. If you are currently enrolled in our Disputes Manager6 you can investigate, track and even resolve card chargeback and retrieval disputes online.
  • Payments Tax Manager6 – You’ll find tax information related to your merchant account and a copy of your most recent IRS 1099-K form.

Please contact your Relationship Manager or Customer Service at 1-800-451-5817 for additional information.

5 Business Track services provided by First Data.
6 Some features and sections of Business Track may not be applicable for individual users, or not yet available.

Managing Payment Processing ExpensesShow Details

At Wells Fargo, we’re committed to helping you process payments more cost effectively. We bring together the information you need to start processing payments – along with the products and services designed for the continuing growth and success of your business.

When you start using our payment services, you’ll receive our Guide to Processing Payments. This booklet summarizes what you need to know about processing payments efficiently, easily, and cost effectively. Key topics include online reporting tools, managing risk and fraud, navigating Payment Card Industry compliance, and much more.

You’ll also get access to many other tools to help you. For example:
Tips for Reducing Chargebacks. Chargebacks can be expensive and time consuming. We’ve created tools that help you reduce chargebacks and handle inevitable chargebacks quickly and easily.
Reducing Costly Fraud Loss. Even a single data breach can seriously damage your business. We’ve created several tools to help you protect your business from fraud and increase cardholder data security for your customers.

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