Services

Credit Card Processing

Getting Started - Our payment processing is easy to turn on and use. Merchants start processing within 24-48 hours of enrollment!

FREE!!! Merchant enrollment    

We welcome new merchants with friendly, competent attention to each one's specific needs. We know efficiency counts when there is a grand opening or small window of time for upgrading systems or switching processors.  DBS provides a high level overview of the features and benefits merchants receive with DBS & Mercury. We take a five-minute telephone application, determine the best rates, handle underwriting, and assist with completing the application.  Merchants typically start processing within 24-48 hours of enrollment.

Just three easy steps!

• Call us at 302.395.0900 ext. 110
• We’ll take a five-minute phone application
• You’ll start processing within 24 - 48 hours!

Automatic Dial Back-Up System – DBS provides an automatic dial backup up solution in the event of a high speed internet failure.  Your POS will continue to get authorizations and batches automatically with no management intervention required. 

Merchant Alerts – DBS Help Desk and MercuryAlerts proactively minimize processing problems by offering our merchants: 

• Protection against fraudulent charges
• Consistent batch closure to ensure timely funding
• Notification of employee error or problems with terminals
• A safeguard against employee fraud

Stand In Authorizations – MercuryStand-In™ is a unique service we developed so our merchants keep processing if there’s an outage within the authorization network.

If a processing outage occurs, we turn on our unique "stand in" authorization service. We developed this essential service so our merchants keep processing if there’s an outage within the authorization network. We "stand in"—so business continues as usual. While standing in, we approve all transactions up to the floor limit, and guarantee no financial loss to our merchants.

FREE!!! Multi-Unit Gift Card Program – DBS provides a MercuryGift card program that delivers everything merchants need to generate new revenue, increase brand exposure, and easily manage gift card sales for one store or an entire chain.

• Unlimited free transactions. All MercuryGift transactions are free for Mercury credit card merchants, including gift card issue, gift card sales, and gift card reload. We can convert existing gift cards to Mercury, and the processing is still free!
• Automated reporting. Mercury provides automated online reporting to track gift card activity and create monthly summaries of activity in single or multiple locations.
•  Balance Inquiries. We offer services to help manage gift cards, including customer balance inquiries, hosting of card balance inquiries from merchant websites, and the ability to transfer existing gift card balances to MercuryGift cards.
• Flexible gift card programs. Our Express Program offers a wide variety of professionally pre-designed cards. We simply add your business logo. For merchants who want to design their own cards, we offer our Custom Program.
• Multi-store reconciliation. For merchants who need to manage multiple accounts, our gift card program offers a number of advantages. We provide multi-store account maintenance with monthly reimbursement for each location. Gift cards can be used across stores. Cards can be issued and redeemed at any location in a group, or issued from one location and redeemed at all locations. The program includes convenient network funds transfer through the Automated Clearing House (ACH) network.
• High performance platform. Mercury's seamless POS integration ensures reliable gift card processing. Our host-based platform enables data recovery even if a merchant’s PC fails.

Guaranteed Tip Clearance – DBS & Mercury guarantee up to 20% of a transaction will be cleared for a tip.  If the card holder cannot cover the balance of the tip we pay it to you.  This ensures 100% deposit of funds to your business & staff. 

(This is dependent on the card receiving a valid approval number)

FREE!!! PC Processing - Credit Card processing for banquets, catering, or other needs beyond the POS.

Live Support - Single point of contact for your credit card questions & requests.  DBS not only takes the call we answer the question or fix the problem.  No other processor can do this.

Customer Service

Customer service is a promise we keep. Our frontline customer service team quickly handles funding and processing requests, general service-related questions, and call routing. Through proactive monitoring of our MercuryLive team’s calls and performance, we continually identify and implement new processes to improve service to our merchants and POS partners.

Technical Support

When a merchant has technical problems, we help. We know POS technology. Our experience with integrating our payment processing platform with hundreds of POS systems gives us a distinct advantage when it comes to solving technical issues quickly. We back up our technology—and the POS system—with expert technical support. Our technical support team handles difficult funding requests, bulk processing requests, and all POS, ECR, and terminal technical support issues.

Competitive Rates – Our rates can be matched to any credit card provider with FREE services beyond any other credit card provider.

Real-time Transaction Reporting - Our integrated technology helps simplify business management with such automated services as online transaction reporting or 24/7 help desk via phone.

We offer a wide array of reporting options, including:

• Credit card transaction reports. Merchants can choose from 35 pre-set reports or create reports using custom criteria. Reports can be sorted by day, card type, operator, batch, and much more.
• MercuryGift™ card transaction reports. Merchants can review gift transactions for one store or an entire chain. They can check the number of cards with outstanding balances, track redeemed cards, and verify proper load amounts.
• Daily settlement, deposit, and statement reports. We provide daily batch detail and deposit reports so merchants can keep track of anticipated deposit volume, daily discount totals from the last closed batch, and chargeback and return totals. Online monthly statements show information for the past 30 days.