Frequently Asked Questions

What is a merchant account?
A merchant account is a "bank account" established with a payment processor for the settlement of credit card transactions. Any merchant who wants to take credit card orders must establish a merchant account. Internet merchants need a "Card Not Present Merchant Account." For ATX clients the merchant account provider is Fifth Third Bank, www.53.com

What is an Internet Payment Gateway?
In e-commerce, the application that securely transmits transactions between a merchant and an acquiring bank or merchant account is an Internet Payment Gateway. For ATX clients the Internet Payment Gateway is Skipjack, www.skipjack.com.

How does the application process work?
The first step will be to apply for a 5/3 merchant account using the online form here. Once you are approved for the merchant account, 5/3 will send you your specific merchant account information. They will also deliver the information to Skipjack so they can create your Gateway account. When Skipjack creates your account they will then provide you with your login information as well as your HTML serial number and a web address. To begin processing, you simply go to https://vpos.skipjack.com/atx, enter your 12-digit HTML serial number, and activate your form. The application will automatically be saved to the Favorites list of your browser under a name that you can choose. You may then move the form anywhere on your hard drive, to the Desktop for example, if you would like.

What is the process for accepting credit cards?
To process a credit card you simply open the form from your Favorites list or Desktop and enter the required information.

How will I receive the funds?
The 12-digit HTML serial number within your Skipjack form is automatically connected to your merchant account at Fifth Third. Your Skipjack account will be setup in "automatic settlement" mode. This means that at the end of the day, Skipjack will automatically take all of your "approved" transactions and submit them in a batch for settlement for you. Your funds will then move into your merchant account and then into the business account that you have designated for deposits. This process takes approximately 48 hours.

How can I manage these transactions or view reports?
You will have full transaction management and reporting capabilities through your Skipjack account access. You simply login to your account at https://secure.skipjack.com using the Login Serial Number, Username, and Password provided by Skipjack when your account is activated. Skipjack also has a host of user manuals and other materials at www.skipjack.com/resources.

Who can I contact with questions or issues with my processing?
Once you have your account with 5/3 and Skipjack up and running, you can contact Skipjack customer support with any processing or transaction management questions at 888-368-8507 option 1, support@skipjack.com, or by using the LivePerson chat session off of their website at www.skipjack.com. For any issues with your deposits or receipt of funds, you can contact Fifth Third customer service at 800-278-6888.