Take a look at our FAQs for more information on First American and the solutions we offer. If you can't find what you are looking for, please feel free to contact our Customer Service team.
First American is one of the few payment processors in existence that maintains and manages its product line completely in-house. This ensures only the highest quality of service, and fast, streamlined execution of requests and tasks.
First American’s diverse product line includes:
As a 4 time winner of the coveted ATSI Call Center Award of Distinction in 2013, 2014, 2015 and 2016, First American’s service is not just an empty promise, as is the case with so many other payment processors. At First American, we take service seriously. We don’t believe in outsourcing talent to other countries or companies, but instead focus on enriching our own customer service representatives with the best training that the industry has to offer. For merchants, this translates to friendly and knowledgeable support available 24 hours a day, 7 days a week, 365 days a year.
Tired of being discriminated against because of your credit history? We at First American do our very best to ensure that our merchants get every opportunity to provide their customers with fast, secure, and easy payments. We are proud to report that we are able to approve 98-99% of all our applications.
While processing with First American, you will be able to accept just about every major credit card available, including Visa®, MasterCard®, Discover®, American Express®, JCB, PayPal®, and Diner’s Club. You will also be able to accept any debit card with a Visa or MasterCard logo.
First American allows you to receive your money in as little as 24 hours with Next Day Funding. With Next Day Funding, you will receive your funds in half the time of traditional processing timelines.
Merchants processing with First American will be able to track their transaction activity with FirstView®, First American’s online reporting resource. FirstView offers a detailed account of all merchant activity, and allows them to view reports from single or multiple locations on an advanced encrypted server that keeps their data safe.
No. We transfer your funds to your bank using ACH Debits and Credits. Nearly all banks have this capability. You can keep your existing checking account.
Certain types of businesses may require different methods of accepting payment. While some retail stores may be perfectly content with a countertop terminal, businesses with technicians out in the field may require mobile payment capabilities, and businesses with an online store may require a virtual payment gateway. Regardless of your payment processing needs, First American has you covered with one of the most diverse line of product offerings, allowing for a plethora of payment options, all complete with award-winning 24/7/365 support.
EMV is a new pin and chip-based security standard for payment cards that is set to replace current U.S. magnetic stripe cards. Pin and chip cards, such as EMV, have long been used in Europe and the rest of the world, and have been credited with significantly driving down the occurrence of fraud in participating countries, sometimes by as much as 70%. EMV cards only function with EMV-enabled terminals, so merchants with magnetic stripe-only terminals will need to upgrade their equipment prior to the October 2015 compliance deadline. After October 2015, merchants will be liable for fraud if they choose not to adopt EMV for their payment card processing.
All First American products are compliant with Payment Card Industry Data Security Standards (PCI DSS), and utilize only the most advanced security features, such as Point-To-Point Encryption (P2PE) and tokenization.
PCI DSS stands for Payment Card Industry Data Security Standard. Compliance by merchants in the standards set by the council indicate a willingness by the merchant to protect the payment data of its customers from security breaches and other forms of data theft. All merchants that accept payment cards are required to be compliant. To learn more about PCI DSS, including how to determine your business’ compliance requirements, view the PCI Security Standards website.
In most cases, First American will be able to migrate your existing terminal over to First American. Exceptions include proprietary equipment that is locked by a previous payment processor, or equipment that is obsolete and/or non-compliant.
Yes. First American provides hassle-free financing through Merimac Capital for all equipment and hardware.