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If you usually take payment from your customers face to face, we understand this must be a particularly difficult time. To help, we may be able to give you the functionality to accept Mail Order and Telephone Order (MOTO) payments so you can carry on doing business over the phone and via the post where possible.
You can read more about this in your Merchant Conditions (Section 8) and Operating Guides (Section 4). We may be able to activate Mail and Telephone Order transactions on your account so you can start taking payments remotely. If you don’t already have Mail and Telephone Orders enabled but would like to, you can request this by calling us on 0345 606 5055 between 9am and 6pm Monday to Friday.
If you start taking Mail Order and Telephone Order (MOTO) payments, there are two things you should know before you get started:
There are some subtle differences when taking Mail Order and Telephone Order (MOTO) payments compared to face-to-face payments. When processing a MOTO payment, you need to follow the instructions on your card machine or point of sale (POS) device and enter the following customer information:
● Card number
● Expiry date
● Payment amount
● Card Security Code (CV2) for Telephone Order payments only
● Address verification details
You should also keep secure records of the cardholder’s full name and address and, if different, their delivery address.
When you take payments over the phone or by mail order, make sure to enter and record card details in a way that’s safe and compliant to protect your customer’s data and privacy. If you need help making sure you’re fully compliant, you can call our partner Sysnet on 0330 808 1606 from 9am to 5pm, Monday to Friday.
You can also read more information about this in Section 4 of your Operating Guide.
Yes – and the contactless payment limit has increased across the UK from £30 to £45 for up to five contactless transactions per card per day. This increase means you can take more payments without the need to exchange cash and reduces the number of customers needing to enter their PIN into your card machine. For payments of more than £45 customers can still use Chip & PIN.
If you're getting chargebacks and aren't sure why, please refer to your notifications and if you are not receiving notifications you can contact us on 0345 606 5055, Monday to Saturday between 8am and 9pm, but please be aware we’re experiencing a higher call volume than normal right now so we might take a little longer to answer your call.
Unfortunately, you can't freeze your account during the pandemic. Instead, we’ve enabled a range of features like Mail Order and Telephone Order payments to help you keep trading where possible, even if you can't take face-to-face payments.
If you don't have a Merchant Account, you'll need to speak directly with your Payment Service Provider (PSP) to find out what kind of relief they may be able to offer you.
There are several simple measures you can take to reduce overall customer contact when trading face to face.
To start, you can encourage customers to pay using a digital wallet such as Apple Pay, Google Pay or Samsung Pay on their smartphones, which removes the need for them to touch your card machine or point of sale (POS) device.
If this NFC logo appears on a customer’s credit card:
they can also pay using contactless on your POS device, now with an increased transaction limit of £45. This means you can take more payments without the need to exchange cash and reduces the number of customers needing to enter their PIN into your card machine.
Yes, we offer a range of services that help you take payments remotely using our online payment gateways. With these, you can start taking payments online, by Mail Order and Telephone Order (what you may see referred to as MOTO), and by emailing and texting payment URLs that customers can click on to pay from their own devices using a credit or debit card. If this option is not available to you, please contact our sales team.
We offer several top-of-the-range, powerful and beautiful card machines and point of sale (POS) devices. Our Clover POS solutions make it easy and efficient to take payments and manage your business, whether you're serving diners at the table, taking payments over the counter or billing customers on the road.
Each POS comes with smart and secure payment technology and accepts all the usual ways to pay, from contactless to Apple Pay and Android Pay. You can see which is best suited to your business on our Compare Clover page with links to more information about each POS solution.
Times vary from application to application depending on variables like the product you choose, what information we may need from you and how many other applications we're handling at that time. We will of course keep you regularly updated during your application and will do our best to get you up and running as quickly as we can.
Reference searches are mandatory for any new business application as part of the government’s Anti-Money Laundering regulations.
Credit checks are mandatory for any new business application.
We don't have fixed fees for our services but instead set our rates independently for each business based on a range of influencing factors including your current or projected turnover, whether you're new to taking card payments and what your average transaction value is.
As one of the biggest payment service providers in the world, we're in a fantastic position to offer extremely competitive pricing so feel free to contact us to discuss your needs on 01268 820531 between 9am and 6pm, Monday to Friday.
Typically, you'll receive your funds between three to five working days after the transaction date. If you qualify for faster funding, you could receive your funds the next working day. If you're unsure if you qualify for faster funding or would like to find out how you can, just contact our sales team.
Your Terminal ID number is a unique eight-digit number located on the back of your payment terminal or POS device. We use your Terminal ID numbers to identify the payment terminals and POS devices linked to your Fiserv account.
Your Merchant Account number is a unique 15-digit number starting with the prefix 520334. We use it to identify your account or group of accounts in any enquiries you may have.
You can read and download a PDF copy of your Merchant Conditions here.
You can read and download a PDF copy of your Operating Guide here.
Yes. You can use our easy access online reporting tool to access your account online, see your card processing transactions and history securely anywhere, anytime. To see this and our other online features and tools, head to our Portals page.
Your billing date is on or around the 14th day of each month – this is when we automatically take your merchant charges and any other fees from your account if you have a Direct Debit set up. If you don’t have a Direct Debit set up, we automatically take these charges and fees directly from the funds we pay you – this is known as ‘net settlement’.
At the moment you can’t change your billing date, no.
You can read and download our Clientline: Viewing Your Charges guide as a PDF here.
You can update your business address details by email or post. Your request to update will need to be signed by either the business owner or a director and must include the following information:
● Your Merchant Account number
● The current business address and the new address you want to change to.
● A quick explanation of whether you’re changing the trading address, the billing address or both.
● Your Terminal ID number, if your receipts will need to be updated with the new address. You can find your eight-digit Terminal ID number on the back of your terminal or POS device and you’ll need to provide one for each terminal or POS that needs to be updated.
You can then email this information to ukcustservice@firstdata.com or post it to Fiserv, PO BOX 280, Lowton Way, Hellaby, Sheffield, S98 1RU.
You can change your company’s trading name by email or post. Your request to change will need to be signed by either the company owner or a director and must include the following information:
● Your Merchant Account number
● The current trading name and the new trading name, written exactly as you’d like it to be registered.
You can then email this information to ukcustservice@firstdata.com or post it to Fiserv, PO BOX 280, Lowton Way, Hellaby, Sheffield, S98 1RU.
You can change your company’s bank account details using this Change of Banking Information Form here. If you have additional Merchant IDs, you can also use the Change of Banking Continuation Sheet here. You can also do this by email or post and must include the following information:
● A signed cover letter from the company owner or a director.
● A completed Direct Debit Mandate (DDM) form, which you can request from us directly via webchat or by calling our helpdesk, details of which you’ll find on our Contact support page.
● Proof of your new company bank account – this could be a welcome letter from your new bank, a voided cheque, a deposit slip or a bank card (in which case you should cover the number on the card but make sure your company name is visible).
You can then email this information to ukcustservice@firstdata.com or post it to Fiserv, PO BOX 280, Lowton Way, Hellaby, Sheffield, S98 1RU.
If you’re also changing any of the below details alongside your bank account you’ll need to speak to our sales team directly, as this may require a change of legal entity for your business:
● Your company registration number
● The legal entity of the account
● Anyone named on the bank account
● The services of products your business provides
If you need new till rolls for your Clover device, you can order them from Primatel by visiting www.primatel.co.uk. If you’re unsure which till roll you need, you can call and ask Primatel on 0800 0323 413.
If your reporting isn’t showing any card transactions, it’s likely because you’re logged into your Clover device as a quick access employee. Just log out of your device and log back in using your Clover admin code to see your reporting.
If you can’t complete a refund, it’s likely because you’re logged into your Clover device as a quick access employee. Just log out of your device and log back in using your Clover admin code to complete the refund.
If you haven’t received the reset link you requested from your Clover dashboard, you may be logged into www.clover.com when you need to log in to www.eu.clover.com. If you still aren’t receiving your reset link once you’ve logged in and requested it from www.eu.clover.com, please check your junk mail folder and make sure the email isn’t being blocked by a firewall.
If your Clover device says that your Wireless Manager is about to expire, it means your 30-day free Wireless Manager trial is coming to an end. Wireless Manager allows you to access 3G and use your Clover device without a WiFi or plugged-in internet connection, so we recommend you leave it on.
If you want to stop using Wireless Manager and stop any charges being taken from your account, you can turn it off via the Wireless Manager app by selecting ‘Disable’ on the SIM. If you want to continue using Wireless Manager, you don’t need to do anything and we’ll automatically bill you for this service on your normal billing date.
If your Clover device won’t connect over 3G using its SIM, there are a few things you can try:
● Turn off and restart your device.
● Check the 3G coverage in your area to make sure there’s reception.
● Try using a WiFi connection instead.
● Try using a personal hotspot from another connected device like your smartphone.
● Check your Clover device is recognising the Access Point Name (APN) within its Settings. The APN for your Clover SIM should be ‘Clover (ATT US)’.
If you’re using a third-party network SIM, you may need to set up and add the APN. You can do this by:
If you need to search for available networks, repeat steps 1 and 2 above but select ‘Network operators’ instead of ‘Access Point Names’ and then repeat steps 3 and 4.
If you can’t get your Clover device to connect to the internet via your phone line, there are several things you can try:
● First, try connecting a different device such as a laptop to the same network and load help.clover.com to check the network is functioning properly.
● Turn off and restart your router and make sure it’s connecting to the network properly or try a different router.
● Turn off and restart your Clover device.
● Turn off the Ethernet connection in your Clover device settings, wait one minute and then turn it back on again.
● Unplug the Ethernet cable from the phone line socket and Clover device and plug it back in. Restart your device and wait five minutes for it to reconnect.
● Try using a different phone line socket, Ethernet cable or phone line port in your device.
● Remove any network switches or extensions between your device and the router.
● Check you don’t have any network restrictions or firewalls blocking your internet connection (for example like you may find in schools). If this is the case, contact our customer service helpdesk who can provide you with our port numbers you can then give to your network provider to be whitelisted on their network.
● Try connecting your Clover via a WiFi or mobile network (if applicable) or use a personal hotspot to see if there’s a fault with your device.
If you can’t get your Clover device to connect to the internet via WiFi, there are several things you can try:
● First, try connecting a different device such as a laptop to the same network and load help.clover.com to check the network is functioning properly.
● Turn off and restart your router and make sure it’s connecting to the network properly, or try a different router.
● Turn off and restart your Clover device.
● Turn off the WiFi connection in your Clover device settings, wait one minute and then turn it back on again.
● Forget and then add the network in your Clover device settings.
● Make sure you’ve entered the correct WiFi password and check carefully for things like capital letters.
● Check your router and Clover device aren’t so far away from each other that your device can’t connect to the router.
● Try connecting your device to a different network, for example a home network, to check it’s working properly.
● Try connecting your device via Ethernet, a mobile network (if applicable) or use a personal hotspot to see if there’s a fault with your device.
To find your Clover device’s serial number:
You can find your Merchant Account number in several places on your Clover device:
● Go to the left most screen from your homepage
● Go to your Clover dashboard
● Go to your device’s Help section
If you see a ‘Tampered’ message on your Clover display, it means your device has been tampered with or there has been a software fault. In either case you’ll receive an email from us with instructions on what to do next but rest assured we’ll replace your device as quickly as we can and you just need to keep hold of all your connection cables. If you don’t receive an email you can contact our customer service helpdesk.
To restart your Verifone terminal:
We encourage you to complete an end-of-day report after each day of trading. It's quick and easy on your Verifone terminal:
Please note that if you don’t run and end-of-day report after each day of trading, your accounts will be settled the next business day which may delay funds reaching your bank account. To find out the cut-off time for daily batching to avoid these delays, speak to our customer service helpdesk.
To print your daily reports on your Verifone terminal:
To refund a customer transaction on your Verifone terminal:
Follow the on-screen instructions to complete the refund
If you see a ‘Tamper’ message on your Verifone terminal’s display, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If you have a Verifone VX range terminal and you see any of these messages you should:
1. Go to the menu and select the 'Supervisor' option.
2. When prompted, enter your supervisor password.
3. Select 'Reset mac' and then select the 'Auth Host' option to return to the previous screen.
4. Here, press 'Cancel' to return to the home screen.
5. Press 'LOG' on the home screen and enter your supervisor password again.
6. Your terminal should print out a receipt to say it's now enabled. If not, call the technical support number that displays on your terminal or if you don’t see a number on your terminal you can contact our customer service helpdesk.
If you have a Verifone V range terminal and you see any of these messages you should:
1. Go to the menu and select the 'Supervisor' option.
2. When prompted, enter your supervisor password.
3. Select 'Reset mac' and then select the 'Auth Host' option to return to the previous screen.
4. Here, select 'Log on'.
5. Your terminal should print out a receipt to say it's now enabled. If not, call the technical support number that displays on your terminal or if you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal won’t turn on:
If you can’t get your terminal to connect to the internet or process any payments, there are several things you can try:
If your terminal still isn’t showing an internet connection, try using a different port on your router and if that doesn’t work try using a different cable to ensure the router is connecting to the internet. If your router isn’t connecting, contact your internet service provider to make sure your internet connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via your phone line, there are several things you can try:
If your terminal still isn’t connecting, contact your phone line provider to make sure your connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via mobile signal or process any payments, there are several things you can try:
If you see an 'Alert Irruption' message on your terminal’s display, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal’s display is blue and unresponsive, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal is displaying an ‘Init Trans Require’ or ‘Init Invalid’ error message you can:
If your terminal is displaying a ‘Not connected’ or ‘Host comms’ error message, it means your terminal has lost its internet connection, whether that’s a plugged in, WiFi or mobile connection. Try restarting your terminal and checking with your service provider that your internet is working and if the problem persists, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If a customer’s payment card is declined and you can’t process the payment, it’s because the card issuer has declined to authorise the transaction and isn’t a fault on your terminal. In this case, ask the customer to use another payment method.
If you see a ‘Transaction referred’ error message it usually means the customer’s card issuer has referred the transaction because they’re not sure it’s valid or it’s flagged as unusual compared to the cardholder’s usual spending patterns.
In this case you should see a phone number for an authorisation centre displayed on the terminal: 0344 257 9400. Call this number and once you’ve spoken to them, press ‘Enter’ on your terminal and follow the on-screen instructions to complete the transaction. Alternatively, you can ask the customer to use another payment method.
If you see a ‘Last PIN try’ error message on your terminal, it means the customer has entered the wrong PIN twice for that card. If they enter the wrong PIN again, their card will be blocked and the customer will have to contact their card issuer to unblock it. In this case, ask the customer to use another payment method.
If you see a ‘Looking for updates’ error message on your terminal it means your terminal is trying to complete a software update and won’t work again until it has completed this update.
If this message remains on screen for more than five minutes, you may need to restart your terminal unless it’s displaying a series of hyphens and asterisks – these show the terminal is still completing its update and shouldn’t take more than a few more minutes. If your terminal doesn’t update after this period and a restart, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
To restart your Ingenico terminal:
To complete an end-of-day report on your Ingenico terminal:
To print your daily reports on your Ingenico terminal:
To refund a customer transaction on your Ingenico terminal:
If your terminal won’t turn on:
1. Unplug the power lead from the wall and from your terminal.
2. Try a different plug socket in the wall to make sure your plug socket isn’t faulty.
3. Plug all power cables back into the plug socket and wall and power up your terminal.
4. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet or process any payments, there are several things you can try:
1. Restart your terminal and restart your internet router.
2. Wait five minutes for your router and terminal to reconnect.
If your terminal still isn’t showing an internet connection, try using a different port on your router and if that doesn’t work try using a different cable to ensure the router is connecting to the internet. If your router isn’t connecting, contact your internet service provider to make sure your internet connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via your phone line, there are several things you can try:
1. Unplug the phone line cable from the phone line socket and terminal, plug it back in and restart your terminal and wait five minutes for your terminal to reconnect.
2. Repeat step 1 but try using a different phone line socket, phone line cable or phone line port.
If your terminal still isn’t connecting, contact your phone line provider to make sure your connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via mobile signal or process any payments, there are several things you can try:
1. Restart your terminal and wait five minutes for it to reconnect.
2. If it’s still not connecting, try changing location to see if there’s a clearer signal your terminal can connect to.
3. If you still can’t get a connection, contact your mobile provider to make sure there aren’t any signal problems in your area.
4. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you see an 'Alert Irruption' message on your terminal’s display, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal’s display is blue and unresponsive, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal is displaying an ‘Init Trans Require’ or ‘Init Invalid’ error message you can:
1. Press the ‘Menu’ button twice and then select function 3.
2. Enter ‘32’.
3. Swipe your supervisor card or enter your supervisor passcode.
4. Select your acquirer.
5. Press the ‘Menu’ button twice again and this time select function 9.
6. Enter ‘75’.
7. Select your acquirer again and your terminal should display the message ‘Init Complete’.
8. If this process doesn’t work, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal is displaying a ‘Not connected’ or ‘Host comms’ error message, it means your terminal has lost its internet connection, whether that’s a plugged in, WiFi or mobile connection. Try restarting your terminal and checking with your service provider that your internet is working and if the problem persists, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If a customer’s payment card is declined and you can’t process the payment, it’s because the card issuer has declined to authorise the transaction and isn’t a fault on your terminal. In this case, ask the customer to use another payment method.
If you see a ‘Transaction referred’ error message it usually means the customer’s card issuer has referred the transaction because they’re not sure it’s valid or it’s flagged as unusual compared to the cardholder’s usual spending patterns.
In this case you should see a phone number for an authorisation centre displayed on the terminal: 0344 257 9400. Call this number and once you’ve spoken to them, press ‘Enter’ on your terminal and follow the on-screen instructions to complete the transaction. Alternatively, you can ask the customer to use another payment method.
If you see a ‘Last PIN try’ error message on your terminal, it means the customer has entered the wrong PIN twice for that card. If they enter the wrong PIN again, their card will be blocked and the customer will have to contact their card issuer to unblock it. In this case, ask the customer to use another payment method.
If you see a ‘Looking for updates’ error message on your terminal it means your terminal is trying to complete a software update and won’t work again until it has completed this update.
If this message remains on screen for more than five minutes, you may need to restart your terminal unless it’s displaying a series of hyphens and asterisks – these show the terminal is still completing its update and shouldn’t take more than a few more minutes. If your terminal doesn’t update after this period and a restart, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
To restart your Spire terminal:
To complete an end-of-day report on your Spire terminal:
To print your daily reports on your Spire terminal:
To refund a customer transaction on your Spire terminal:
If you see a ‘Sec Invalid Terminal Keys’ message on your Spire terminal’s display, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If you see an 'Invalid Mac' or 'Acquire Disabled' or 'Security Error' message on your Spire terminal’s display you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal won’t turn on:
1. Unplug the power lead from the wall and from your terminal.
2. Try a different plug socket in the wall to make sure your plug socket isn’t faulty.
3. Plug all power cables back into the plug socket and wall and power up your terminal.
4. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet or process any payments, there are several things you can try:
1. Restart your terminal and restart your internet router.
2. Wait five minutes for your router and terminal to reconnect.
If your terminal still isn’t showing an internet connection, try using a different port on your router and if that doesn’t work try using a different cable to ensure the router is connecting to the internet. If your router isn’t connecting, contact your internet service provider to make sure your internet connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via your phone line, there are several things you can try:
1. Unplug the phone line cable from the phone line socket and terminal, plug it back in and restart your terminal and wait five minutes for your terminal to reconnect.
2. Repeat step 1 but try using a different phone line socket, phone line cable or phone line port.
If your terminal still isn’t connecting, contact your phone line provider to make sure your connection is working correctly. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you can’t get your terminal to connect to the internet via mobile signal or process any payments, there are several things you can try:
1. Restart your terminal and wait five minutes for it to reconnect.
2. If it’s still not connecting, try changing location to see if there’s a clearer signal your terminal can connect to.
3. If you still can’t get a connection, contact your mobile provider to make sure there aren’t any signal problems in your area.
4. If you still can’t resolve the problem, you can contact our customer service helpdesk.
If you see an 'Alert Irruption' message on your terminal’s display, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal’s display is blue and unresponsive, it means your terminal has been tampered with or there has been a software fault. In either case you’ll need to call the technical support number that displays on your terminal so they can send you a new one. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal is displaying an ‘Init Trans Require’ or ‘Init Invalid’ error message you can:
1. Press the ‘Menu’ button twice and then select function 3.
2. Enter ‘32’.
3. Swipe your supervisor card or enter your supervisor passcode.
4. Select your acquirer.
5. Press the ‘Menu’ button twice again and this time select function 9.
6. Enter ‘75’.
7. Select your acquirer again and your terminal should display the message ‘Init Complete’.
8. If this process doesn’t work, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If your terminal is displaying a ‘Not connected’ or ‘Host comms’ error message, it means your terminal has lost its internet connection, whether that’s a plugged in, WiFi or mobile connection. Try restarting your terminal and checking with your service provider that your internet is working and if the problem persists, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
If a customer’s payment card is declined and you can’t process the payment, it’s because the card issuer has declined to authorise the transaction and isn’t a fault on your terminal. In this case, ask the customer to use another payment method.
If you see a ‘Transaction referred’ error message it usually means the customer’s card issuer has referred the transaction because they’re not sure it’s valid or it’s flagged as unusual compared to the cardholder’s usual spending patterns.
In this case you should see a phone number for an authorisation centre displayed on the terminal: 0344 257 9400. Call this number and once you’ve spoken to them, press ‘Enter’ on your terminal and follow the on-screen instructions to complete the transaction. Alternatively, you can ask the customer to use another payment method.
If you see a ‘Last PIN try’ error message on your terminal, it means the customer has entered the wrong PIN twice for that card. If they enter the wrong PIN again, their card will be blocked and the customer will have to contact their card issuer to unblock it. In this case, ask the customer to use another payment method.
If you see a ‘Looking for updates’ error message on your terminal it means your terminal is trying to complete a software update and won’t work again until it has completed this update.
If this message remains on screen for more than five minutes, you may need to restart your terminal unless it’s displaying a series of hyphens and asterisks – these show the terminal is still completing its update and shouldn’t take more than a few more minutes. If your terminal doesn’t update after this period and a restart, call the technical support number that displays on your terminal. If you don’t see a number on your terminal you can contact our customer service helpdesk.
We've partnered with Primatel as our recommended terminal and point of sale (POS) stationery supplier. A family run business, Primatel offers a wide range of terminal and Clover stationery and accessories along with fantastic customer service to help make sure you get what you need.
To get everything from paper rolls and payment card machine spare parts to inks and ribbons, terminal pole mounts and shields, visit www.primatel.co.uk. Just sign up or log in if you already have an account and select your machine type from the options to place an order. If you need any help, you can email them on fiserv@primatel.co.uk or call free on 08000 323 413.
With your Fiserv merchant account and card terminal or Clover point of sale (POS) device you can accept almost every major way to pay, including:
● Visa, Mastercard, American Express, Diners and Discover
● Contactless
● Chip & PIN and swipe
● Apple Pay and Android Pay
● Mail Order and Telephone Order (MOTO)
● Online
● Via a payment link
Not all of these payment types are available on your account by default. For example, you'll need to add MOTO payments to your account to start taking payments this way and fees may vary. To add MOTO payments to your account, call us on 0345 606 5055 Monday to Saturday between 8am and 9pm.
Yes, we offer features such as Dynamic Currency Conversion (DCC), which lets you accept payments at your point of sale in different currencies from international cards. To discuss whether this service is available to you and which currencies you'd like to accept, just call us on 0345 606 5055 Monday to Saturday between 8am and 9pm. Please note: Certain criteria may apply.
We do everything we can to make sure you have a great experience using our payment processing services, but also understand problems can arise and sometimes you may want to complain. Fiserv (formerly First Data) is regulated by the Financial Conduct Authority (FCA) and if you do have reason to complain, we'll take a balanced and fair view of the situation and do what we can to help fix the problem.
The Financial Services and Markets Act 2000 lays down a standard procedure that we aim to meet when handling customer complaints: to register your complaint, you can contact our Customer Care team by phone, email or letter:
● Call: 0345 606 5055, Monday to Saturday between 8am and 9pm
● Email: FDMSComplaints@fiserv.com
● Write to: Janus House, Endeavour Drive, Basildon, Essex SS14 3WF
We take every complaint seriously and can deal with many of them straight away but some do take a little time to investigate thoroughly, in which case we'll get a specialist from our Customer Care team to resolve the issue. The FCA gives us eight weeks to resolve all complaints.
If for any reason you're not happy with the outcome of your complaint, we ask you to first contact us explaining what you think we can do to put it right. If you're still not happy, you can refer your case to the financial ombudsman service (www.financial-ombudsman.org.uk) by phone, email or letter:
● Call: 0800 023 4567
● Email: complaint.info@financial-ombudsman.org.uk
● Write to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR
PCI DSS stands for the Payment Card Industry Data Security Standard. This standard is managed by the Payment Card Industry Security Standards Council, set up by the payment card brands (MasterCard, Visa, American Express, Discover and JCB).
PCI DSS outlines the minimum security requirements to help businesses handle payment information securely.
The card brands require that any business accepting cards for payment of goods or services must be compliant with the PCI DSS.
To report your PCI DSS compliance for your business you need to identify and complete the appropriate Self-Assessment Questionnaire.
Securing your business requires the following steps:
• Analyse your business practice and processes
• Research the appropriate security solutions for your business
• Implement and maintain security solutions.
Central to this is that you protect your customers’ payment card data. You must make sure that you have security controls in place at all times to maintain your compliance.
Your customers trust you to keep their information safe, you need to repay that trust with, at the very least, compliance with the PCI DSS.
We offer features that help ensure every payment you take is PCI compliant at the point of sale, so you protect not only your customers but also your business by reducing your exposure to data theft and potential fines from debit and credit card companies. For help with PCI compliance, please call us on 0330 808 1606 Monday to Friday between 9am and 5pm.
Our customer support call centre and merchant helpdesk is based in the UK.
Our opening hours vary depending on the department you want to get in touch with, although they're typically 9am to 5pm, Monday to Friday. To find out up to date opening hours for the department you want to speak to, take a look at our Contact page.
A chargeback is when a previously cleared transaction is reversed. The cardholder’s account is credited with the amount of the sale and the merchant’s account is debited.
A chargeback is initiated by the issuing bank and is normally at the request of the cardholder or, on rare occasions, the issuing bank.
You can see all your chargebacks, as well as other helpful reports, by logging into your Fiserv account here. Then simply:
1. Click ‘Report’ in the toolbar
2. Select ‘Create a Report’ from the dropdown
3. Select ‘Disputes’ as the report category
Up to 180 days after the original transaction date. However, there are exceptions to this: for example, when goods or services are paid for in advance, like a holiday.
You can see all your chargebacks, as well as other helpful reports, by logging into your Fiserv account here. Then simply:
1. Click ‘Report’ in the toolbar
2. Select ‘Create a Report’ from the dropdown
3. Select ‘Disputes’ as the report category
Yes, there’s a small charge attached to chargebacks. To find out the exact amount, please refer to your Merchant Agreement.
The most common reasons for chargebacks are when the cardholder:
Or when there was no valid authorisation gained or an old authorisation code was used.
Here’s a more detailed look at the various reasons for chargebacks and what can be done about them:
Reason for the chargeback | What it means | How to prevent it |
Fraudulent | The customer didn’t authorise the charge. This is the most common reason for a chargeback and can happen if the card was lost or stolen. | · If you ship physical goods to the United States, the United Kingdom or Canada, consider only shipping goods if orders pass an AVS check. This verifies the billing address and makes sure it matches what the issuer has. · You could also contact the customer before shipping to an address that doesn’t pass an AVS check making sure they have provided the correct details. |
Unrecognised
| The customer doesn’t recognise the merchant
| Make sure the way your business appears on a customer's bank statement is easily recognisable. This should be your business name or website address. If you want to check or change this, contact our helpdesk on 0345 606 5055. Our lines are usually open Monday to Saturday, 8am to 9pm. Sending receipts upon payment also helps to remind customers what they’ve purchased.
|
Duplicate | A customer has been charged twice for the same good or service. | · If a double charge occurs accidentally, then refund the second charge straight away and contact the customer to let them know what’s happened and how you’re addressing it.
|
Subscription / recurring card payments cancelled | A subscription has been charged after the customer believes it was cancelled.
Another reason may be that the customer expected a reminder before each recurring charge but didn’t receive one. | · Cancel the customer's payment straight away and provide a confirmation of the cancellation. · Make sure it’s clear on your sign-up page that your customers are agreeing to a recurring charge. · Your cancellation policy should be easy to find and understand. · Keeping receipts – in line with PCI DSS Payment Card Industry Data Security Standards – for up to 12 months, contractual agreements or evidence of transactions also helps.
|
Goods not received | The customer did not receive the goods or services they purchased. | · Always keep your customer in the loop with both the payment and delivery journey. · Send the goods or services as soon as possible after payment has been completed. · If there’s a delay in getting the goods or services to the customer let them know straight away. |
Credit not processed | The customer was expecting a refund because they cancelled the goods or services, or because they returned the goods they purchased. | · Make sure your returns policy is simple and clear and easy to find on your website or in store. Highlighting how many days it takes for refunds to be processed and cleared really helps. · Process refunds as soon as possible and keep your customer in the loop.
|
Damaged goods, missing items or items are not as described. | The goods were received but were defective, damaged, or not as described. | Make sure your descriptions are clear and as detailed as possible and use high-quality images to show the goods true to life. Packaging is key. Make sure you have done all you can to protect the goods so they will arrive as they were sent. · Try and resolve the issue with the customer promptly to prevent the situation evolving into a chargeback. |
There are a number of things that can be done:
Where you can, cancel and refund the order and do not ship the goods or provide the service. If this is not possible then try to contact the cardholder to resolve the issue.
Here are some simple questions you can ask yourself to help spot the warning signs:
Friendly fraud is chargeback fraud. This happens when a customer makes a purchase with their credit or debit card online and then asks for a refund after receiving the goods or services.
A common cause for friendly fraud is when customers don’t recognise the merchant name or location on their bank statement. The name that appears on their bank statement should be your business name or website address.
If you’re not sure how your business appears on customers’ bank statements or want to change your details, this can be easily done by speaking to our customer service helpdesk on 0345 606 5055. Our lines are open between 8am and 9pm, Monday to Saturday.
You can see all your chargebacks, as well as other helpful reports, by logging into your Fiserv account here. Then simply:
1. Click ‘Report’ in the toolbar
2. Select ‘Create a Report’ from the dropdown
3. Select ‘Disputes’ as the report category