Frequently asked questions

How do I obtain a copy of my statement?

Statements are available through Statements for the prior month become available at the beginning of the month. If you need statements that are not available through Business Track ClientLine, call us at 1.800.430.7161 for assistance.

How to sign up for Business Track

If you are not currently a registered user of Business Track, you will need to register for an account here by selecting the orange “Enroll” button on the right side of the screen and following the enrollment instructions.

How do I reset my Business Track password?

Log in to Business Track to change your password, or request a password reset using the Forgot My Password option. For password reset, training or other Business Track assistance, call 1.800.285.3978.

How to obtain a voice authorization

If you are having a problem with your equipment or the power is out, you can request a voice authorization to process a transaction. To obtain a voice authorization, call 1.800.430.7161 and choose option 1.

What is a chargeback?

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

You can review and respond to chargebacks using the Business Track Dispute Manager application.

My funding seems to be delayed or missing

If your funding has not occurred within the standard two business day time frame, it is possible that Bank of America Merchant Services is having a problem with transferring directly to your account. Have you changed your bank account information recently? Call us at 1.800.430.7161 for assistance.

How do I receive my 1099-K tax form electronically?

Bank of America Merchant Services offers electronic delivery of IRS Form 1099-K for faster, year-round access to your tax documentation. You can register for electronic delivery via Business Track. The electronic 1099-K forms will be loaded onto Business Track by January 31. After logging in to Business Track, go to the Tax Information section and select “Enroll/Manage Form 1099-K eConsent”.

Why do I receive a 1099-K?

Bank of America Merchant Services is required to track and report the gross amount of payment transactions for all merchant accounts to the Internal Revenue Service (IRS). It is also required to ensure that the IRS records match your taxpayer identification and legal business name.

Why does my 1099-K not match my statements?

The amount reported on the 1099-K is based on your deposits for the calendar year (actual deposits from January to December). Statements show activity that occurs up to the statement cutoff date and so they may show deposits that settled in the previous month.

If your 1099-K doesn’t match your statements, it is likely that activity from the previous December shows on your statement but did not deposit in January and therefore is not accounted for on your 1099-K.

Why did I receive multiple 1099-K copies?

You may receive multiple 1099-K forms based on the credit card types that you accept. If you receive deposits directly for American Express or Discover, those card organizations will send the 1099-K form for that card brand.

How to order supplies

Ordering supplies over the phone is easy. Please have your merchant number and equipment make/model number handy when you call. Call toll-free 1.800.228.5882 Monday – Saturday 5 AM to 9 PM PST. Orders placed before 2:30 pm PST will be shipped the same day.

What is PCI Compliance?

PCI DSS stands for Payment Card Industry Data Security Standard (often shortened to “PCI”) is a set of data security requirements established by the major card brands (including Visa and Mastercard) to protect cardholder account information.

To learn more about standards for protecting data, visit the Security Standards Council at