Cell Charge

Use your existing phone to process your client's credit card payments from Anywhere, Anytime, Anyplace!
CellCharge Processing gives you the ability to process credit cards via your existing phone so you do not need to buy or lease any equipment. Simply dial a toll free number from any touchtone phone (cell or landline) and key the pertinent card info into the key pad of the phone that the computer system asks for, you will never vocally broadcast any card information it is always keyed into the keypad of the phone. The process takes about 35 seconds to complete and at the end of the transaction you will be given either an authorization number if the card is approved or a decline if the card holder has been declined by his bank. Once you have the authorization number you simply hang up the phone, we will capture the money and directly deposit the funds into your existing checking account in 2-3 business banking days.


How it works:

STEP 1. Call toll-free 1-866-750-0270 from any touchtone, portable or cellular phone.

STEP 2. At the prompt, key in your assigned pin number.

STEP 3. Enter your customer's credit card number, expiration date, CVV2 code (a three digit security code located on the back of each credit card), the customer's billing zip code and the dollar amount of the sale.

STEP 4. Write the approval number on a credit card slip for the customer to sign.

STEP 5. Hang up—your work is done! The funds will be automatically transmitted to your checking account (typically within 48 hours) through the Federal Reserve ACH system.

It’s that simple.

What it is:

CellCharge is convenient.
All you need is access to a phone, and you can accept credit card payments from anyone, anywhere, anytime simply by dialing our toll-free number. The payment will be automatically deposited into your existing checking account in 2-3 days. It's more convenient than cash, and can be processed in less time than a personal check!

CellCharge is affordable.
Unlike other credit card processing providers, we offer service with NO long-term contracts, and NO expensive equipment lease agreements.

CellCharge is profitable.
CellCharge not only saves you money, it makes you money. Mobile merchants, home service businesses, traveling representatives, seasonal companies, small businesses and large corporations alike can now offer their clients more payment options at a lower cost to themselves.

CellCharge is secure.
With secure account access, credit card tracing, and our own Risk Management department, we are effectively able to prevent fraudulent use of the CellCharge system. Our team has over 30 years experience in the credit card industry with over 47,000 merchants nationwide.

CellCharge is simple.
Anyone who can dial a phone can use our system.

FAQs:

Where is my money?
The transaction usually requires less than two business days for personal banks and less than 3 business days for credit unions. Occasional delays may occur outside of our control.

Can I change my merchant pin?
Yes you can change your pin. The person on the account must call Customer Service at (866) 735-5292 ext 1. Please have three optional 6 digit numbers you would like to use. Customer Service will process the request and give instructions for proceeding.

Can I raise my Monthly processing limit?
Processing limits are set in accordance with certain criteria. Merchants can contact Customer Service with their request for increase. Based on information in our system, Customer Service will take the request and advise the merchant of the procedure in their special instance.

Can I raise my approved highest ticket?
Highest ticket limits are set in accordance with certain criteria. Merchants can contact Customer Service with their request for increase. Based on information in our system, Customer Service will take the request and advise the merchant of the procedure in their special instance.

How do I get more Credit Card slips?
Merchants can call Customer Service at (866) 735-5292 ext 1
or email dave@cellcharge.com and request additional sales slips. Sales slips are mailed out regular mail the day after the request. Merchants must allow enough time for delivery. Expedited orders are sent only with the merchant paying a shipping fee. Merchants may also use any form such as an invoice for records. Sales slips are provided only as a convenience and are not the only means.

Where is my Welcome Package?
Welcome kits are mailed the day after the merchant account is approved. If you have not received your Welcome Kit within 5 days of that date, contact Customer Service and tell them you still do not have your Welcome Kit. We will need to verify your mailing address.

What if I forget my PIN?
You can obtain you Merchant PIN by calling 1-866-750-0269 and enter your social security number. Please note you must enter the Social Security number for the primary owner that is listed on the application.

What is my settlement fee?
Your settlement fee is the discount rate you agreed to on your merchant application.

Why are you depositing money into my account and then deducting funds?
Fees are deducted from your checking account and then the deposit for the total of your processing is deposited into your account. Banks usually deduct before deposits, so be sure to keep a minimal amount in your checking account to cover your processing fees.

How do I get a copy of my contract?
A copy of your Terms and Conditions is included in your Welcome Kit. Applications are processed via mail, fax, and phone. You may also pull Terms and Conditions from this web site.

How do I cancel my service?
Please call or email Customer Service with your request. Only the person who opened the account may request the account be closed.

If I have another location do I need a separate account?
Credit card processing rules state that each location must have their own merchant account. Different types of business and difference locations are two reasons for having separate accounts.

My money is not in my account yet.
Call Customer Service to have your processing verified. Be prepared with you checking account information for verification. Customer Service will research your problem.

Do I get any compensation from recommending a friend?
Merchants can earn a $25.00 referral fee based on the following:

• New Merchant calls Customer Service and applies over the phone, giving information about the referral, such as person's name and/or business name. It is recommended that referring merchant be present to help make sure Customer Service can find the referring merchant, but not necessary.
• New Merchant then pays their set up fee - by check, credit card or ach.
• New Merchant then processes at least one transaction.

As soon as the new merchant processes their first transaction after the set up fee has been received, an ach for $25.00 will be processed to the referring merchant's checking account.

How do I change my checking account information?
Checking account changes must be in writing from the owner of record. Please fax the request with a copy of a voided check to 1-866-209-4446. Please allow 7 days for any changes to take affect. In the meantime, do not close your previous account in case transactions and deposits are in
process. Anything in process will not be changed, but will continue to go to the old account.

Can I charge my own credit card?
Credit card processing rules are very strict and this is not allowed. Any merchant that charges their own card faces fines and termination of their merchant account. Charging the merchant's own card is circumventing cash advance rules. The only exception is a merchant may do a test transaction to their own card for less then $5.00 to make sure money gets deposited to their account. A test transaction is recommended since transactions take so many steps to get the deposit generated.