TIDY offers affordable ways to accept credit cards from customers. Accepting credit cards via TIDY is the best way to accept credit cards, because:
All accounts are instantly approved to begin processing transactions, and we will follow up on legal requirements to finish your account as you go. This way, you can get going right away.
You can collect payments from your clients for any completed jobs.
Both credit and debit cards are backed by banks, and they ultimately dictate a process for how all cards work. These are the high level steps:
Payments can fail both for good reasons (preventing you from chargebacks) and bad ones (losing business). We try to reduce the incidents of losing business from charges, while keeping fraud rates low. Charges that are declined most likely fail due to being "Blocked" or "Declined". In both cases, we will try to give you as much detail as possible.
While we let you get started right away, note that you will have to provide two kinds of information.
We will guide you through these processes as we go.
Refunds can be sent back only to the original payment method used in a charge. It’s not possible to send a refund to a different destination (e.g., another card or bank account).
Refunds to expired or canceled cards are handled by the customer’s card issuer and, in most cases, credited to the customer’s replacement card. If no replacement exists, the card issuer usually delivers the refund to the customer using an alternate method (e.g., check or bank account deposit).
Banks take up to 10 days to process refunds. This can be frustrating for customers, who may reach out to ask you what is happening. Here are some possible answers:
If it has been over 10 days since the refund, and a customer is still asking about a refund, we can give them a Acquirer Reference Number (ARN) corresponding to the refund. Your customer can then take the ARN to their bank, who can give them more information.