Can I use Visa, Mastercard, Discover, or Amex gift cards with my merchant account?

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Yes. However, they can be a bit tricky to process as they are gift cards with set limits, and transactions can get declined for various reasons, regardless of the available funds.

When running a transaction using a Visa, Mastercard, Discover, or Amex gift card, you should:

  • Key in the transaction rather than swipe
  • Do not enter a “Name on Account” or “CVV2” code
  • Only enter the credit card number and the expiration date

Note: If you plan to use two different gift cards for the same transaction, complete the sale as an account balance. This will apply a negative balance on your client's account. From there, run each gift card separately to pay off the balance.


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