Merchant Services - Credit Card Processing

Serving Tucson, Arizona Statewide and Nationwide


Frequently Asked Questions

Have questions about setting up credit card processing with Bob?  Find answers to many of your questions here.  If you don’t find the answer, fill out the form to the right and we’ll answer them as soon as possible.

What is the charge for the credit card machine?

There is no charge for many of the processing terminals, nor is there any need for a lease.  The terminals and equipment needed are yours to use as long as you are a client of Central Payment

What is the terms of the lease or contract?
There is no charge, no contract or lease on most processing equipment.  (We do offer a lease program if so desired.)  We don’t believe in hiding charges that are only discovered after a client signs a contract they can’t get out of.  We disclose all costs up front and if you aren’t happy, you can terminate your account at any time.
I get calls all the time from telemarketers offering lower credit card rates. Are these legit?
Merchant services and credit card processing is a very competitive business and, unfortunately, not all players are ethical and honest.  First, you deal with a sales person (maybe not even in the US) that you can never talk to again.  Then, once you’re under contract, you have a call center for support, but not an individual representative that knows your business.

With Bob McLaughlin, you have an individual that walks you through the signup process, installs your equipment and even handles customer support issues so you don’t have to.  Backed by an ethical and honest company in Central Payment, you can be assured you are getting the best possible rate, as well as the highest quality service.  If you’re not convinced, ask the next telemarketer if they give you a rate guarantee and back it up with $1000 if someone else beats the rate quote, like Central Payment does.

I have Field Technicians that bill for services upon completion. Can they accept credit cards in the field?
We offer many mobile payment options for businesses that are on the go.  From wireless terminals to mobile swipers that attach to a smart phone or tablet, you can accept payments anywhere you have phone service.
What would be my credit card rate?
Credit card rates are established by the credit card companies and are dependent on several factors.  Certain cards, like debit cards, have a low rate, while a card that’s not present and is manually punched in will carry a higher rate.  Contact Bob for a quote comparison.  He will take your last few statements and give you a rate quote, as well as the other costs so you can compare your current costs with Central Payment.
What is PCI?

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store or transmit credit card information maintain a secure environment.

The Payment Card Industry Security Standards Council (PCI SSC) was launched on September 7, 2006 to manage the ongoing evolution of the Payment Card Industry (PCI) security standards with a focus on improving payment account security throughout the transaction process. The PCI DSS is administered and managed by the PCI SSC (, an independent body that was created by the major payment card brands (Visa, MasterCard, American Express, Discover and JCB.). It is important to note that the payment brands and acquirers are responsible for enforcing compliance, not the PCI council.

To whom does the PCI DSS apply?

The PCI DSS applies to ANY organization, regardless of size or number of transactions, that accepts, transmits or stores any cardholder data.

My company doesn’t store credit card data so PCI compliance doesn’t apply to us, right?

If you accept credit or debit cards as a form of payment, then PCI compliance applies to you. The storage of card data is risky, so if you don’t store card data, then becoming secure and compliant may be easier.

Are debit card transactions in scope for PCI?

In-scope cards include any debit, credit, and pre-paid cards branded with one of the five card association/brand logos that participate in the PCI SSC – American Express, Discover, JCB, MasterCard, and Visa International.

What is the definition of ‘merchant’?

For the purposes of the PCI DSS, a merchant is defined as any entity that accepts payment cards bearing the logos of any of the five members of PCI SSC (American Express, Discover, JCB, MasterCard or Visa) as payment for goods and/or services. Note that a merchant that accepts payment cards as payment for goods and/or services can also be a service provider, if the services sold result in storing, processing, or transmitting cardholder data on behalf of other merchants or service providers. For example, an ISP is a merchant that accepts payment cards for monthly billing, but also is a service provider if it hosts merchants as customers. Source: PCI SSC

If I’m running a business from my home, am I a serious target for hackers?

Yes. Home users are arguably the most vulnerable simply because they are usually not well protected. Adopting a ‘path of least resistance’ model, intruders will often zero—in on home users—often exploiting their always-on broadband connections and typical home use programs such as chat, Internet games and P2P file sharing applications. ControlScan’s scanning service allows home users and network administrators alike to identify and fix any security vulnerabilities on their desktop or laptop computers.

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Merchant Services - Credit Card Processing

Serving Tucson, Arizona Statewide and Nationwide



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