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Customer Service FAQs


We work with you through the entire process from application to activation, including the lease or purchase of equipment, programming it to suit your needs, and step-by-step instructions for accepting card payments.

Bank of America Merchant Services now offers electronic delivery of IRS Form 1099-K (Payment Card and Third Party Network Transactions). Electronic delivery provides you with faster, year-round access to Form 1099-K and eliminates waiting for paper copies delivered through the U.S. Postal Service. You can register for electronic delivery via Business Track. The electronic 1099-K forms will be loaded onto Business Track by January 31, 2016.

Existing Business Track users should login here and select "Enroll/Manage Form 1099-K eConsent" on the screen under the Tax Information section.

If you are not currently a registered user of Business Track, you will first need to register for an account here by selecting the orange "Enroll" button on the right side of the screen and follow the enrollment procedures. Once logged in to your new Business Track account, select "Enroll/Manage Form 1099-K eConsent" on the screen under the Tax Information section.

Yes, we can set you up to accept debit or check cards as well as credit cards.

Call us at 1.866.538.3827, or complete our online form.

To apply for an account, just complete our online form. A representative will contact you within 1 business day.

If you're an existing Bank of America merchant, call your account manager to receive pricing information on everything from equipment to value-added services. If you're not currently a Bank of America merchant, complete the online form and include your pricing request in the section labeled "Additional Comments and Questions." A representative will contact you within 1 business day.

A chargeback is a processed credit card transaction that is reversed (charged back) to a merchant because the customer or customer's bank finds something wrong with the transaction.

There are several reasons a transaction can be reversed:

  • Authorization error: a transaction was allowed even though the authorization was declined

  • Processing error: incorrect calculation on the sales draft, invalid account number, or expired card

  • Customer disputes: the customer denies taking part in the transaction, claims purchased merchandise or services were never received and an attempt was already made to resolve the dispute, mail order merchandise was defective, or a promised credit was never processed

If you get a chargeback:

  • If you're a Bank of America merchant, just follow the steps detailed in your Merchant Guide.

  • If you're not a Bank of America merchant, follow the procedures your processor gave you when you signed up. If you are not able to resolve it to your satisfaction, consider switching to Merchant Card Processing from Bank of America. We provide detailed information on chargebacks, tips on how to avoid them, and instructions on how to handle all common Visa and MasterCard chargebacks.

  • If you would like a representative to contact you for more information about Bank of America Merchant Services, go to our online form and complete it as directed

Selling online offers "brick and mortar" retailers a terrific opportunity to grow their businesses through a cost-effective additional sales channel. Open 7 days a week, 24 hours a day, an online store is not limited by time or geography. In addition, electronic commerce offers many new avenues for building a broader customer base.