Knowledge Base

Welcome to Inspire Commerce’s knowledge base. Feel free to search here for answers to our most frequently asked questions.  If you can’t find the answer you’re looking for, please send us an email or give us a call – we’d love to help!

 

PCI Compliance

Who needs to become PCI Compliant?

All businesses that process, store or transmit payment card information are required to comply with the PCI DSS.

What is PCI Compliance?

The Payment Card Industry Data Security Standard (PCI DSS) was established in 2006 by the major card brands (Visa, MasterCard, American Express, Discover Financial Services, JCB International). All businesses that process, store, or transmit payment card data are required to … Continue reading

I do business online – do I still have to become PCI Compliant?

Yes. All business, e-commerce or otherwise, must maintain PCI Compliance.

How much does PCI Compliance Cost?

Absolutely nothing. Included in your partnership with Inspire Commerce are all the tools required to become PCI compliant with SecurityMetrics. All technical and account support is provided to you at zero cost!

Are there any fines or penalties associated with a non-compliant status?

If you fail to maintain a compliant status, a fee of $19.95 is added to your monthly statement. A non-compliant status also puts your business at increased risk for fraudulent activity.

Who is SecurityMetrics and why am I receiving emails from them?

SecurityMetrics is a leading provider and innovator in merchant data security and compliance for businesses worldwide. Inspire Commerce has partnered with their team to help your business meet all of the Payment Card Industry Data Security Standards (PCI-DSS) requirements.

What is required to become PCI Compliant?

To begin, simply visit our private SecurityMetrics login page and create an account (your business is already registered with Inspire Commerce, so the system will immediately recognize you). Once you are logged in, you will be guided through a short … Continue reading

How can I tell if my business is compliant?

SecurityMetrics provides your business with an online compliance reporting center that helps you track your compliance progress. You receive a simple compliant or not compliant grade, compliance reports, scan reports, video tutorials, glossaries and other compliance assistance to help you … Continue reading

How often do I need to complete the questionnaire and vulnerability scan?

PCI Compliance is not a single event, but an ongoing process. As such, businesses are required to complete the SAQ and site scan every quarter. Inspire Commerce helps keep track of these deadlines for you, and always emails you when … Continue reading

My shopping cart is PCI Compliant. Do I still need to complete a site scan?

]It depends. If your checkout page is hosted directly by Shopify or Chargify, (i.e., the URL where your customers enter their card data reads “shopify.mybusiness.com”) then, no. If, however, you personally host your own checkout page (so your URL reads “checkout.mybusines.com”) … Continue reading

What is a site vulnerability scan?

A site scan is a required component of many merchants’ PCI compliance process (especially e-commerce merchants). When a site scan is conducted, SecurityMetrics scans your website for external network vulnerabilities and web application development errors such as, security holes that … Continue reading

My site scan is failing, why?

There are many reasons why your scan could be failing. First, be sure that you’ve listed the correct URL to be scanned. This URL should be the one where customers enter in card data, not necessarily just your home page. … Continue reading

How do I change the website address SecurityMetrics is scanning?

If you’d like to update the webpage SecurityMetrics scans or are not sure which URL to provide, please contact the SecurityMetrics support team at 801-705-5700.

I am trying to select the Inspire Gateway, however, your company is not listed as a choice.

You can find our gateway listed as: Inspire Commerce Gateway – Network Merchants.

Who do I call for PCI support?

You’ve got 2 support teams on your side for the entire PCI process. If you have basic questions about PCI DSS requirements or the SecurityMetrics service, shoot us an email at pci@inspirecommerce.com or call our office at 800-261-3173. If you need personal … Continue reading

I’m having difficulty completing the questionnaire- can you help?

Of course! Should you have any questions or difficulty while completing the questionnaire (SAQ), the SecurityMetrics team is there to support you 100% 24/7. Just give them a call at 801-705-5700.

How do I login?

Click on our PCI page to login to your account. Have your email and password ready for your account.

How do I find or reset my password?

On the login page you should see a “forgot password” link. Click here and you will be prompted to enter your email address. An email will be sent containing a link to reset your password. If you are having trouble with this … Continue reading

I can’t find my Merchant ID

No problem. Your Merchant ID can be located at the top of your monthly statements. If you still can’t find it, shoot us an email at pci@inspirecommerce.com and we’ll help out!

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Opening a Merchant Account

Do you work with Non-Profit Organizations?

  Yes we do – we offer special pricing plans for Non-Profit organizations to reduce costs and help you save more of your organization’s money.  

How long does it take to set up a Merchant Account?

  Once you complete the application, Inspire Commerce will have you ready to accept credit cards in about two to three business days. Please note that any missing application information will delay this process.  

Do you offer International Merchant Accounts?

  Inspire Commerce offers a comprehensive suite of international credit/debit card payment solutions in cooperation with several major European, American and Asian banks. Inspire Commerce’s international credit/debit card services accept more than 150 currencies, offer very competitive rates and can … Continue reading

What are the requirements for a U.S. Merchant Account?

  We are able to set up a US merchant account for companies that are based in the US with a Federal Tax ID, and the primary owner/principle of the company is a US citizen.  

How do I open a merchant account?

  To open a merchant account with us, you can start by filling out our online application which is available here: https://www.inspirecommerce.com/pricing-internet/ Simply choose the pricing plan that you want to pay and click on the ‘Get Started’ button.  You will … Continue reading

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General Merchant Account Questions

What is a Chargeback?

  A chargeback is the return of a transaction from the cardholder’s bank. This may occur if the cardholder is disputing the transaction or if the authorization process was not followed properly. Some common reasons for chargebacks include: The authorized owner … Continue reading

What is AVS (Address Verification)?

  AVS provides you with valuable address and zip code lookup on the cardholder (your customer), and as a result of the information provided, helps reduce fraud. AVS is mandatory by Visa and MasterCard on all keyed accounts where cards … Continue reading

What is a Retrieval Request?

  A request by the cardholder’s bank to the merchant for a copy/documentation of the actual ticket of a transaction. Retrieval requests are generated for a variety of reasons, including cardholder disputes, point-of-sale errors or fraud inquiries. It is the … Continue reading

How long does it take for my funds to be released into my bank account?

  Credit card transactions generally take about one business day to deposit into your checking account. This process can be delayed if you settle your transactions after normal banking hours.  

What is a CVV Code?

  The Card Code Verification (CV2, or CVV2) security feature provides an extra measure of security against fraudulent credit card transactions. The Card Code Verification is a security code that is printed on a credit card’s signature panel in reverse … Continue reading

Understanding Interchange

  Many merchants and merchant services providers are confused by interchange and its impact on the fees that merchants pay to accept credit and debit card payments. Many have heard the term “interchange” but are not quite sure what it … Continue reading

What is the difference between a merchant account and a payment gateway?

  A payment gateway is the service that processes credit card transactions for you. When your customers are buying something from your online store they enter their credit card numbers during the checkout process on your website in your shopping … Continue reading

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Managing Your Merchant Account

If I need help, whom should I contact?

  If you need help, please call the Inspire Commerce toll-free customer service number at 1-800-261-3173, or contact us via email: support@inspirecommerce.com  

How do I change my account information (address, bank account number, etc.)?

  Any changes to your merchant account will need to be completed by Inspire Commerce. To submit a change, please email your request to support@inspirecommerce.com We will then provide you with the appropriate paperwork for your desired change.  

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Inspire Commerce .pay™ Gateway

What is a Gateway?

  A payment gateway is a service that allows you to accept credit cards over the Internet. A payment gateway does for a website what a terminal does for a store: it encrypts the credit card data and sends it … Continue reading

Is Inspire Commerce .pay™ Gateway secure?

  Inspire Commerce .pay™ Gateway is PCI Level 1 Compliant. We are happy to provide our PCI passing documents to you upon request.  

Does Inspire Commerce .pay™ Gateway support multiple currencies?

  Yes, Inspire Gateway allows for multiple currencies when the merchant account is setup for multi currencies. If you desire to use multiple currencies via the API, simply add “&currency=EUR” to the post, where “EUR” equals your desired three character … Continue reading

Does Inspire Commerce .pay™ Gateway offer Recurring Billing?”

  Yes, our gateway offers recurring billing – so you can automate timely and multiple billings for new and existing accounts. This is a free feature that is in every account.  

What payment methods integrate with Inspire Commerce .pay™ Gateway?

  Inspire Commerce .pay™ Gateway integrated payment methods include: Credit Cards – Inspire Commerce .pay™ Gateway supports all major forms of credit card transactions including Visa™, MasterCard™, American Express™, Discover™, Diners Club™ and JCB™. Multi-Currency – US Dollars, Australian Dollar, British … Continue reading

How long is transaction data available in Inspire Commerce .pay™ Gateway?

  Transaction data is available for up to 7 years in our online gateway, and can be exported into a .csv or .xls file at any time.  

Can I demo an Inspire Commerce .pay™ Gateway Account?

  We can set up a demo account in the gateway if you would like to become familiar with the gateway’s functionality. If you’re interested, we can set up a test account within the same business day.  

How do I enable/disable test mode in Inspire Commerce .pay™ Gateway?

  To enable test mode in the gateway: Select ‘Options’ Select ‘Test Mode’ under Transactions Options Select ‘Enable Test Mode’ button In test mode you can submit test transactions to the payment gateway. You are not charged for any test … Continue reading

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