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Liberty Bancard Merchant Services FAQs
Your complete guide to merchant services, payment processing, and everything you need to know about accepting credit and debit cards with Liberty Bancard.
Guaranteed Better Rates
I currently process credit cards with another company. Can Liberty Bancard offer better rates?
Yes! With Liberty Bancard's Assured Savings Guarantee, we'll meet or beat your current pricing. If we can't, we'll give you a gift card for allowing us to review your current processing statements.* Simply provide your two most recent processing statements, and we'll prepare a detailed analysis with Liberty Bancard's proposed rates and estimated savings.

*Terms apply. A minimum monthly processing volume of $10,000 (excluding PIN Debit) is required, and this offer excludes high-risk merchants and merchants with poor credit.
Multiple Businesses & Equipment Solutions
Multiple Business Locations
I have two businesses that need to accept credit and debit cards. What do I need to do?
You'll need separate merchant accounts for each business. Contact Liberty Bancard to set up tailored payment solutions for both.
Free Equipment Program
How can I access free equipment?
Qualify for our Free Equipment Program by opening a merchant account. This includes EMV-compliant terminals or mobile swipers.
Existing Equipment
I already purchased my own credit card terminal. Can I use it with a Liberty Bancard account?
Yes, in most cases. We can reprogram your existing terminal to work with our processing system. Contact us for compatibility details.
Advanced POS Systems & Integration
Does Liberty Bancard offer a Point-of-Sale system (POS)?
Yes! We provide cutting-edge POS systems like Clover, SwipeSimple, and more, designed to streamline your operations.
Can I export my payment processing data to my accounting software?
Yes, Liberty Bancard integrates with most major accounting software, including QuickBooks, for seamless data transfer.
EBT & Government Benefits
EBT Support
Does Liberty Bancard offer Electronic Benefits Transfer (EBT)?
Yes, we support EBT transactions, allowing businesses to accept government benefit payments.
What is EBT?
What is Electronic Benefits Transfer (EBT)?
EBT is an electronic system that allows recipients of government benefits to pay using an EBT card.
Statements & Equipment Setup
01
Merchant Statement Information
What information is on my merchant statement?
Your statement includes transaction summaries, fees, chargebacks (if any), and a detailed breakdown of monthly processing costs.
02
Pre-Programmed Equipment
Will my terminal be programmed and tested before I receive it from Liberty Bancard?
Yes, all equipment is pre-programmed, tested, and ready to use when shipped to you.
03
Statement Delivery
How will I receive my monthly merchant statement?
Your statements will be available online through your merchant portal or sent to you via email.
Business Eligibility & Compliance
International Business Applications
Can an international business apply for a merchant account with Liberty Bancard?
Currently, we only serve businesses based in the United States.
Terminal Sharing Policy
The business next door to me said I could use their credit card terminal to process my customer's payments. Is that true?
No, sharing credit card terminals between businesses is against PCI compliance rules and could result in violations or penalties.
PCI Compliance
What is PCI Compliance?
PCI Compliance ensures your business meets security standards to protect customer card data during transactions.
Merchant Types We Approve
What types of merchants does Liberty Bancard approve?
We support a wide range of businesses, from retail and restaurants to high-risk industries like firearms and automotive services.
Online Payment Solutions
1
Payment Gateway
Do I need a Payment Gateway to accept online payments?
Yes, a Payment Gateway is required to securely process online credit and debit card transactions.
What is a Payment Gateway?
A Payment Gateway is software that securely processes credit card transactions for online payments.
2
Virtual Terminal
What is a Virtual Terminal? Is it the same as a Gateway?
A Virtual Terminal allows manual entry of card details for transactions, while a Payment Gateway automates online payments. They serve different needs but can complement each other.
3
Shopping Cart
Do I need a shopping cart to be an internet merchant?
Yes, an online shopping cart integrates with your website to facilitate transactions.
What is a shopping cart?
A shopping cart is a tool that enables customers to select and pay for items on your e-commerce site.
Card Technology & Contactless Payments
EMV Technology
How are EMV cards different from magnetic swipe cards?
EMV cards have an embedded chip for added security, while magnetic stripe cards store data on a strip, making them more vulnerable to fraud.
What is EMV?
EMV (Europay, Mastercard, Visa) is the global standard for chip-based credit and debit card transactions, offering enhanced security.
Contactless Payments
What is NFC, and does Liberty Bancard offer it?
NFC (Near Field Communication) enables contactless payments like Apple Pay and Google Pay. Our terminals support NFC technology.
What is Apple Pay?
Apple Pay is a contactless payment system that allows customers to pay using their iPhone, iPad, or Apple Watch.
Getting Started & Support
Quick Setup Process
What is the time frame for being able to start accepting credit cards?
Most accounts are approved and operational within 24–48 hours.
How do I apply for a merchant account?
Contact us via phone or online, and our team will guide you through the quick application process.
24/7 Support Available
What are Liberty Bancard's hours of operation?
Sales: Monday–Friday, 8 AM–8 PM Support: Available 24/7/365
What if I need help with my merchant account?
Contact our 24/7 support team via phone or email for assistance with any issue.
Trusted Payment Solutions
Contact
2045 Biscayne Blvd, Suite 232
Miami, FL 33137
© 2025 Liberty Bancard. All Rights Reserved. “Liberty Bancard is a registered ISO/MSP”