" Questions about electronic commerce,
credit card processing, shopping carts, electronic checks and more... "

Merely click "Apply" above.

Back to the top

Once you return the merchant account application and the account is approved, QuickCommerce can be up in just minutes. You will then be sent an e-mail informing you of the log-in site along with the Login ID and password. The Virtual Terminal features in QuickCommerce are active immediately. This entire process usually takes only 5 business days.

Back to the top

You or your Webmaster must establish a link between a QuickCommerce secure server and your website. Examples of the linking HTML code can be found in the QuickCommerce WebLink HTML Support Guide. Remember to replace the sample field values with live data. This will enable the secure order form to appear on the customer's screen, for their credit card information to be entered.

Back to the top

The QuickCommerce transaction form can be configured by clicking the "Edit Configuration" option in the Merchant Menu. By e-mailing your logo and any background graphics to support@quickcommerce.net, the page can take on the site's original appearance. Optional text can be added by filling in the displayed fields.

Back to the top

The QuickCommerce system automatically settles credit card batches at the end of each day. The transaction data is sent to your processing bank which then funds your bank account in typically 2-3 days. The discount rate is taken from the total amount before being deposited.

Back to the top

Any customer has the right to dispute a credit card charge from the card's issuing bank. If a charge is challenged, a retrieval request will be sent to the merchant asking for proof that a sale had been made by the customer. In addition, usually a merchant's credit card processor has the right to discontinue service for many reasons. And finally, a merchant should take due diligence to protect against someone trying to order merchandise with stolen cards by becoming familiar with the process.

Back to the top

The Address Verification Service (AVS) is a feature available to merchants that accept credit cards for the purpose of verifying that the cardholder's address and zip code provided at the time of the transaction "match" the actual address as registered with the cardholder's card issuing bank.

While a full address would normally be considered to be the Name, Address, City, State, and Zip code for the purposes of mailing, with the AVS system only the Address (number part only) and the five or nine digit zip code are actually verified. Currently, a match or mismatch is simply reported back to the merchant, and does NOT result in a transaction decline. It is intended to help the merchant make an informed decision at the time of purchase whether or not to accept a person's credit card. With so many possible reasons as to why an address and zip code may not match, a merchant is not required to refuse a transaction because the AVS response was a mismatch. With most banks and merchant providers, use of the AVS system is required in order to avoid non-qualified transaction surcharges (typically an additional 1%); accepting a transaction involving an AVS mismatch response may or may not cause a non-qualified transaction surcharge according to your merchant agreement with your bank or merchant provider.

The AVS response from the processing network comes in the form of a 2 or 3 digit code, with each digit bearing a separate meaning. Your merchant provider can explain the meaning of the different response codes. For instance a response of "YY" would mean that "Y"es the address was a match and "Y"es the zip code was a match. If a transaction is approved but the AVS response is not acceptable to you, you must decide whether to accept or to void the transaction.

Possible responses to a transaction

There are several different responses that are generated when a transaction is submitted. All responses are possible either in TEST mode or LIVE mode. If the system is in TEST mode, a TEST MODE header indicator will be displayed along with the response. All possible responses and what they mean are listed here:

Common AVS Response Code Definitions:



A -   Address Match only.

N -   No Match.

S -   Service Not Supported.

U -   Address Information Not Available.

X -   Address Information Not Available.

Y -   Exact Match

Z -   Zip Code OK.

-Accepted 000000 YYY - (Credit Card transactions) - the transaction was successfully authorized with the six digit authorization code and 3 digit AVS response code. Consult your merchant account provider for an explanation of the AVS response codes. NOTE: if your account is in TEST MODE, the accepted response will be "Accepted 00TEST".

- Accepted - (ACH transactions) - the transaction was accepted and will be submitted at the next settlement time.

- Declined - (Credit card transactions) - the transaction was declined by the credit card issuing bank.

- Call Center - (Credit Card transactions) - the transaction is being referred to the credit card voice authorization center. For information on how to handle a call center response, consult your merchant account provider.

- Network Communications Error - the transaction was not successfully submitted due to a network communication problem. Re-attempt the transaction at a later time. If you get this response frequently, contact technical support.

- Transaction Not Successful - There are a number of error responses possible due to invalid or missing data. Each error response is self explanatory, such as "The expiration date is missing". Also, any fields that you have configured as required fields will be checked to make sure they are present before the transaction is allowed.

Back to the top

Once you have applied and have been accepted (for American Express, Discover, etc) you need to notify E-Commerce Exchange who can then activate the card type on the QuickCommerce system. Please call 1-800-757-6318 for assistance.

Back to the top

Please call E-Commerce Exchange at 1-800-815-6610 or e-mail internetsales@ecx.com for more information.

Back to the top

Definitely! QuickCommerce can facilitate recurring electronic check and credit card billing by uploading a tab delimited text file from your database to our system. The required fields and instructions are in the "Upload a Batch" chapter in our user's guide. This service can be used to process credit cards and electronic checks. Merchants who may not even have a Web site - such as fitness clubs, subscription services, health care practitioners, tanning salons, etc. can use this service to charge their customers.

Back to the top

Our service needs to be compatible with the your shopping cart software. QuickCommerce can be integrated with anyone's cart software. However, there are some companies that may intentionally "lock out" competing payment services such as QuickCommerce. We would be happy to contact any shopping cart software manufacturer to coordinate the scripting that is required to be compatible.
Our new Web Developer's Toolkit can assist your cart provider in achieving compatibility.


Please call E-Commerce Exchange at 1-800-815-6610 or e-mail internetsales@ecx.com for more information.
Back to the top

A list of the possible error codes that can be received from the First Data Corporation database can be found at FDC Error Codes.

Back to the top

It can be found at - Web Developer's Toolkit

Back to the top

The ABA Routing Code can be usually be found in the bottom left corner of your checks between two colons. See example below


Back to the top