Global Payment Systems (GPS) Questions
and Answers
How do I?
Subscribe to GPS to process credit/debit
cards?
If you have (or are contemplating) a system (software and/or
hardware) that supports Global Payment Systems or GPS, you
will need to have the following:
1. Merchant Bank Accounts and Merchant Numbers
for any of the following cards that you may wish to accept:
2. GPS Processing Account in the currency
of your merchant accounts:
3. Software/Hardware drivers provided by
your system vendor to connect to GPS’s Toronto/Atlanta
Platform.
4. You will be required to complete a GPS
Service Application Form which will provide us with your
Visa/MasterCard Merchant numbers (as well as any other card
types you will be accepting), business name, address, void
cheque and other information. This is necessary in order for
our Host to know who you are, what type of system you have
and where to deposit your funds.
Please note*** A separate application form is needed for
Canadian $ and U.S $ processing accounts.***
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Set Up a GPS Canadian $ Processing
Account
In order to set up a GPS Canadian Dollar Processing Account,
you must first have established your merchant accounts for
the cards that you would like to accept with the various Financial
Institutions.
1. Complete a GPS
Service Application Form for each one of your locations
that will require the service. Photocopy a Void Cheque from
both your Visa and MasterCard Merchant Bank
Accounts. If you only have one Bank Account, then please provide
the corresponding void cheque. Fax the completed Service Application
Form and Void Cheque copies to 416-644-5964.
2. GPS will verify the merchant numbers
and banking information with the Financial Institutions and
will implement your account upon confirmation from each institution.
This process takes approximately three (3) weeks but it can
take longer if the information on the Service Application
Form is incorrect or unclear. It is wise to carefully complete
the Service Application Form to ensure prompt setup.
3. Once GPS has completed the set-up of
your account, the Service Application Form will be returned
to you with the bottom portion filled out with the ID’s
required (mainly a Terminal/Merchant ID) to configure in your
system. Your account is now active on GPS’s network
and is available when you are.
4. Configure your system with these ID’s
or provide them to your System Vendor who will configure your
system.
GPS cannot assist you in the configuration of your system
as there are more than 2,000 different vendor products certified
on our network. For assistance in configuring your software/hardware,
we suggest you contact your vendor.
5. Once your system has been configured,
you are ready to begin processing transactions on-line to
GPS.
6. After the first day of processing, please
check with your Visa and MasterCard Merchant Services to ensure
your funds are flowing to the correct accounts.
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Set Up a GPS U.S. $ Processing Account
In order to set up a GPS U.S. Dollar Processing Account,
you must first have established your merchant accounts for
the cards that you would like to accept with the various Financial
Institutions.
1. Complete a GPS
Service Application Form for each one of your locations
that will require processing the service. Photocopy a Void
Cheque from both your Visa and MasterCard
Merchant Bank Accounts. Fax the completed Service Application
Form and Void Cheque copies to 416-644-5964. Please ensure
to checkmark the US$ box on the Application Form.
2. GPS will verify the merchant numbers
and banking information with the Financial Institutions and
will implement your account upon confirmation from each institution.
This process takes approximately three (3) weeks but it can
take longer if the information on the Service Application
Form is incorrect or unclear. It is wise to carefully complete
the Service Application Form to ensure prompt set-up.
3. Once GPS has completed the set-up of
your account, the Service Application Form will be returned
to you with the bottom portion filled out with the ID’s
required (mainly a Terminal/Merchant ID and Bank ID/ICA) to
configure in your system. Your account is now active on GPS’s
network and is available when you are.
4. Configure your system with these ID’s
or provide them to your system vendor who will configure your
system. GPS cannot assist you in the configuration of your
system as there are more than 2,000 different vendor products
certified on our network. For assistance in configuring your
software/hardware, we suggest you contact your vendor.
5. Once your system has been configured,
you are ready to begin processing transactions on-line to
GPS.
6. After the first day of processing, please
check with your Visa and MasterCard Merchant Services to ensure
your funds are flowing to the correct accounts.
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Set Up a GPS Interac (Debit Card)
Processing Account
In order to set up an account for Debit Card processing,
you must first have a system that is certified to process
Interac Debit Card transactions on GPS/ Global Payment Systems’
network. Please check with your system/software vendor to
verify availability.
Once you have verified this, your System Vendor from whom
you purchased the credit card system should provide you with
a contact at GPS in order to obtain further Debit documentation,
purchase order, Debit contract, etc.
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Set Up a GPS Internet Processing
Account
In order to process credit card transactions from an Internet
site, you will need to subscribe to an e-commerce Service
Provider. Below is a list of Certified Vendors. Please visit
their websites for more information.
These providers will advise you on how they set up your Internet
Processing Account on your behalf and will advise you when
you are ready to begin processing.
Some of our Partners are:
Follow the steps under Set-up a GPS Canadian
$ Processing Account? and / or Setup an
GPS U.S. $ Processing Account? to establish your credit
card processing account(s) with GPS.
Once your account is set up, GPS will forward your Terminal/Merchant
ID’s to you and your Service Provider for set up on
your behalf.
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Communications Access
Get my System to Communicate to
GPS?
GPS supports a wide array of communication methods, including
Direct dial-local access, Datapac 3101, TCP/IP (SSL, VPN,
and other IP Third Party Interfaces), ISDN, Datapac 3000 (X.25),
Satellite, RF, Wireless (Cell), SNA and more. The most important
thing to understand is what communication methods your system
supports, not what GPS can support (because we support almost
any communication method). Please ensure that you have discussed
the communication methods with your system vendor prior to
contacting us. You may be required by your system vendor to
purchase additional components to support a particular method
of communications which may delay your implementation.
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Get my Monies into My Bank Accounts
through GPS?
Merchant Deposits / Data Capture
TYPES OF DATA CAPTURE:
- If your system is a TERMINAL-BASED data
capture system – the card data is held in your system
and you initiate a “Settlement” transaction
which transfers the data to GPS’s Host. Once GPS receives
the Settlement transaction, it will process the data for
deposit. The Settlement transaction must be done before
03:00 EST in order for you to be paid the next business
day.
- If your system is a HOST-BASED: TIME-INITIATED
system – the card data is held on the GPS Host for
AUTOMATIC closing. GPS cuts off the account everyday at
01:00 EST and processes the data for deposit to be paid
the next business day.
- If your system is a HOST-BASED: MERCHANT-INITIATED
system – the card data is held on the GPS Host until
you initiate a “Balance/Close” transaction request.
Once GPS receives the Balance/Close transaction, it will
process the data for deposit. The Balance/Close transaction
must be done before 03:00 EST in order for you to be paid
the next business day.
Data is forwarded to the Financial Institutions during their
operating days which is Monday to Friday excluding Holidays.
Therefore, Friday, Saturday and Sunday data is always forwarded
to your Financial Institutions on Mondays (except if it’s
a holiday).
On the day that the Financial Institutions receive your data,
they will process the deposits and update your Merchant accounts.
The updating of the Merchant accounts can occur at any time
that day or overnight, therefore, you may not see the entry
in your account until the next day. However, it will be valued
for the day it was received at the bank. You can check with
your Financial Institution (Merchant Services) on their processing
timeframes.
If you have selected services from your Financial Institutions
that transfer your funds to other accounts and/or between
banks, please ensure that you understand these processes before
calling GPS to research where your funds have been routed.
These services may entail further delays in processing the
deposits to your bank accounts. Please direct any inquiries
regarding these services and timeframes to your Financial
Institution.
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Financial Institutions in Canada
offering Merchant Accounts
GPS processes data to virtually any Financial Institution
in Canada.
In Canada, you are required to get a merchant account at a
Financial Institution offering Visa and one at a Financial
Institution offering MasterCard (some offer both).
Below is a list of Canadian Financial Institutions and the
types of merchant accounts they offer for which GPS can process.
The list is for reference only and may not reflect all of
the services that these institutions may offer. We suggest
you contact the Financial Institutions directly for more information
on the products and services they offer.
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