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Q. What kind of training do you provide?
A. offers credit card terminal training and reprogramming for credit card terminals to better assist our merchants.
Q. What is a chargeback?
A. Chargebacks are transactions that are disputed by the cardholder or the cardholder’s issuing institution. A chargeback occurs when a cardholder disputes a charge or when proper card acceptance and authorization procedures were not followed. When a merchant receives a chargeback, its deposit account is debited for the indicated amount. In addition to the chargeback, the merchant may incur a fee if he failed to follow card acceptance and authorization procedures. Reasons for chargebacks include a cardholder dispute or an error in handling on the part of a merchant’s staff. Obtaining proper authorization and adhering to correct processing procedures can minimize chargebacks.
Q. How often should I batch?
A. recommends that you batch your transactions every day.
Q. Should I connect my terminal through a phone or Internet line?
A. It is personal preference, but the choice could ultimately depend on what type of credit card processing machine you decide to get for your business. If you opt to use a telephone line, be sure to have a dedicated landline because things like call waiting and other incoming calls can interrupt, or cancel a transaction. A number of businesses prefer using an Internet-connected terminal for faster transactions and don’t need to dedicate a landline for their terminal.
Q. What is Near Field Communication (NFC) and how does it work?
A. NFC allows two equipped devices that are placed near each other to exchange bits of data. For this to work, both devices need an NFC chip. These transactions are considered safe because it creates an unique digital signature.
Q. What is an Issuer vs. an Acquirer?
A. A financial institution that maintains the merchant credit card processing relationship and receives all transactions from the merchant to be distributed to the card member banks is an Acquirer. An Issuer is a financial institution that issued the credit card to an individual or business.
Q. How soon will I get my deposits?
A. It will take 48 hours, or Next Day Funded (except on banking holidays) if your account qualifies after you settle/batch your POS for your funds to post to your bank account.
Q. What is the length of my Merchant Agreement?
A. A service agreement is typically 3 years; however most merchants qualify for a month-to-month!
Q. What is PCI?
A. The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that companies that process, store, or transmit credit card information maintain a secure environment.
Q. Why am I being charged a PCI fee?
A. The Annual PCI Service Fee is assessed by to mitigate the costs associated with becoming and maintaining compliance, updating terminal software, and replacing non-compliant hardware.
Q. Why do I need to be PCI compliant?
A. PCI compliance is required for anyone that accepts, stores, or transmits payment card information. The PCI mandate is part of the Card Brand operating regulations under which businesses or individuals are allowed to operate merchant accounts and accept cards for payment. The terms and conditions you sign when you open an account with us state that Card Brand operating regulations must be adhered to. For more information visit
Q. How do I change my High Ticket Amount?
A. A written request to 866-517-4558 update your high-ticket amount is needed. You must fax your request to 248-283-6260. Additional information may be requested after review of your letter.
Q. Is a bank?
A. No, is a multifaceted payment solutions provider. As a credit card processor, NAB processes more than $34 billion annually in credit card transactions for more than 250,000 merchants accounts across the United States.


Privacy Policy

This privacy policy sets out how Empire NAB uses and protects any information that you give Empire NAB when you use this website.

Empire NAB is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy statement.

Empire NAB may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from October 16, 2007.

What We Collect

We may collect the following information:

  • Name and job title
  • Contact information including email address
  • Demographic information such as postcode, preferences and interests
  • Other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with better service for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.
  • We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.

From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customize the website according to your interests.

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How We Use Cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies but you can usually modify your browser's settings to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to Other Websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling Your Personal Information

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish for this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998; a small fee will be payable. If you would like a copy of the information held on you please write to If you believe that any of your information we are holding is incorrect or incomplete, please write to or email us as soon as possible at the above address. We will promptly correct any information found to be incorrect.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish for this to happen.

Contact us to get our fast and easy payment processing products.

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*All merchant accounts are referred to and processing provided by North American Bancard LLC, A registered ISO of Wells Fargo Bank N.A., Walnut Creek, CA. All rights reserved Empire NAB

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