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American Merchants Inc. is a registered ISO of Wells Fargo Bank, NA, Concord, CA and Fifth Third Bank, N.A. Cincinnati, OH, USA
American Merchants Inc. is a registered ISO of Wells Fargo Bank, NA, Concord, CA and Fifth Third Bank, N.A. Cincinnati, OH, USA

Merchant Support FAQs

AMI is your one-source solution for simplified merchant processing services that help businesses cut costs, increase revenue and maintain an efficient, secure payment network.

FD Terminals

Press System, Select Date & Time. If incorrect, Select NO. Hit Clear, enter New Date & Time, press Enter.

HYPERCOM Series / Equinox

Option 1 – Press INITILIZE & ENTER. Terminal will dial out and update on its own. Option 2 – Newer Files on FDR press Function 10 Enter and update the Date & Time.

OMNI 37 TAX / VX Series

Press Green Enter key, select Setup, enter password, scroll to Date/ Time and update.

A monthly minimum fee is not an extra fee but rather a minimum amount that the processor or merchant account provider needs to have in fees. As long as your credit card fees meet or exceed this minimum, you are not charged any extra fees. However, if your monthly fees are less than this minimum, then you are charged the difference up to the minimum. For example, if you have $20 in fees in a given month, and your account has a $25 monthly minimum on it, you will be charged an additional $5 to meet the monthly minimum.

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements designed to ensure that ALL companies that process, store or transmit credit card information maintain a secure environment. Essentially any merchant that has a Merchant ID (MID).

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 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).

There is an monthly fee assessed for PCI. We provide an easy to use online tool for our merchants to be able to complete the PCI DSS Self-Assessment Questionnaire (SAQ). This makes it easier for our merchants to become compliant.

The end of month fees are generated on the last day of each month. The fee posts to your bank account within 2-3 business days.

General deposit time for deposits is 1-3 business days, but can vary based upon specific account information.Same day funding is available if the batch is closed by 7:00 pm Eastern time.

Transactions need to be settled in your terminal or gateway by 7:00 pm Eastern Time in order to process for that day.

Please gather all docs related to the specific transaction. Refer to your notification for the case number and provide the necessary documentation that they are requesting. If you would like to speak with someone further, please contact the chargeback department. If your merchant number is 15 or 16 digits in length, you can reach the chargeback department at 800-858-1166 option #1. If your merchant number is 9 to 12 digits, please contact them at 800-366-1841 option #4.

Please contact our Merchant Services department at 855-658-9548 from 9:00 am PST to 5:00 pm PST. Based on the change you are requesting, documentation and/or terminal updates may be required.

Please contact us at 855-658-9548 and we can enroll your merchant account for American Express as well. Please allow 1-2 business days for the card type to be active.

Please contact us at 855-658-9548 and we can order these items for you.

The approval or decline message comes directly from the issuing bank. If the cardholder confirms that there are available funds on the account, they will need to contact the issuing bank to verify why the card was declined. We do not recommend attempting to run this card again until the cardholder provides authorization to do.

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