How do card payments work?- How quickly can I be set-up?
Once you have completed the appropriate documentation and supplied us with all of the necessary information your account will be approved within approximately 5 working days. You will receive a welcome email when this occurs. Your welcome pack will then be dispatched which contains everything you require to begin accepting card payments.
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- Where can I get a copy of your Terms and Conditions?
The AIBMS Terms and Conditions are available on the merchant login area of our website, www.aibms.com
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- How quickly do I get paid?
Merchant customer payments will be made in line with your merchant agreement with AIB Merchant Services
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- What is a MID?
A MID is your merchant ID number. You should ensure to quote this number on all correspondence with AIB Merchant Services to enable us to respond to your requests promptly. Please note that if you are a Card Present merchant you will need to enter this number in order to activate your terminal.
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- Where can I get my MID?
Your MID was initially issued to you in a letter you received welcoming you as an AIB Merchant Services customer. If you are a Card Present merchant, it can also be located within the box that your terminal arrived in.
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- How do I set-up my terminal?
To gain advice on setting up your terminal you should follow the instructions provided within the terminal box you received. Copies of these guides are available in the Support centre section of our website, www.aibms.com.
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- Where do I order paper rolls from?
Paper rolls can be ordered from UK Paper Rolls LTD, please find their details listed below.
Free phone - 00800 8438 6600 / 00800 8438 0300
Email - sales@ukpaperrolls.com
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- Where can I find copies of User and Installation Guides?
Copies of all terminal User and Installation Guides can be found on our website, www.aibms.com, in the Support Centre section.
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- Can I download a copy of the merchant procedure guide online?
Yes, to download a copy of the procedure guide, go to the merchant login area on the AIB Merchant Services website.
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- How do I know if my account has been approved?
When your account has been approved you will receive a letter welcoming you as a customer of AIB Merchant Services.
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- When will I receive my terminal?
Your AIB Merchant Services terminal will arrive within a few days upon receiving your welcome email.
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- Who do I call if my terminal is not operating properly?
If your terminal is not operating properly you should contact your terminal provider directly. The helpdesk numbers are as follows:
Hypercom - 0818 762 100
Verifone (Integral) - 0818 313 006
Ingenico - 0871 200 1436
For transaction and banking queries please contact the AIB Merchant Services Helpdesk on 1850 200417.
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- What cards will I be able to accept over the Internet?
You can accept Visa (credit and debit), MasterCard (credit and debit), UK domestic maestro, Maestro (International), Laser, American Express and Diners.
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- What is Dynamic Currency Conversion (DCC)?
This facility enables Cardholders from overseas to pay for their credit and debit card purchases in their own currency, allowing the Cardholder to undertake the transaction cost in their own currency.
DCC offers your business a further revenue stream through card processing international currency conversion fees. This facility is suitable for businesses that receive high volumes of tourists or overseas Customers.
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- Which International currencies can I accept?
AIB Merchant Services support a comprehensive pan-European, multicurrency card processing platform. We enable our merchants to accept approximately 160 currencies, where 13 of these are end to end.
DCC offers your business a further revenue stream through card processing international currency conversion fees. This facility is suitable for businesses that receive high volumes of tourists or overseas Customers.
Settlement is available to these currencies
- Euro
- US Dollar
- Australian Dollar
- Hong Kong Dollar
- Danish Kroner
- Swedish Kroner
- South African Rand
- Sterling
- Canadian Dollar
- New Zealand Dollar
- Swiss Franc
- Norwegian Kroner
- Japanese Yen
Support over 150 currencies with settlement in Euro / Stg / USD
One merchant number for ALL currencies
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- What is Dynamic Currency Conversion (DCC)?
This facility enables Cardholders from overseas to pay for their credit and debit card purchases in their own currency, allowing the Cardholder to undertake the transaction cost in their own currency.
DCC offers your business a further revenue stream through card processing international currency conversion fees. This facility is suitable for businesses that receive high volumes of tourists or overseas Customers.
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- I already accept credit and debit cards through AIB Merchant Services, how do I begin accepting cards online?
You will need to go through the standard application process and supply a copy of a Business Plan or proof of 2 years worth of audited accounts. The site will have to be live and include a privacy policy, refund policy and have your terms & conditions present. Finally, you will also need to select one of our approved Payment Service Providers (PSP's) who can submit internet transactions on your behalf to AIBMS and then you can begin accepting payments over the Internet.
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- How do I log into AIBMS Online Services?
Go to www.aims.com, click on the merchant login tab at the top right-hand corner of the web page and enter your login details. You will have been supplied login details in your welcome letter. If you cannot locate these, please contact our merchant support centre who will issue new login details.
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- My terminal will not let me process a Card Not Present (CNP) transaction without a CVV2 - what should I do?
You should contact the Merchant Support Centre who will assist you with this problem and any other transaction or banking queries you may have.
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- Do you have a list of approved Payment Service Providers (PSP's) who can submit internet transactions on my behalf to AIB Merchant Services?
Yes, they are as follows:
Adyen www.adyen.com
Datacash www.datacash.com
Endeavour www.dardpaydirect.com
EuroCommerce www.eurocommerce.ie
Sagepay www.sagepay.com
Realex Payments www.realexpayments.com
Worldnet TPS www.worldnettps.com
Servebase www.servebase.com
CommsXL www.securecxl.com
Creditcall www.creditcall.com
Commidea www.commidea.com
Ogone www.ogone.com
Netbanx www.netbanx.com
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- Can I set a minimum transaction value?
No, you may not set any minimum limit on credit and debit card transactions.
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- Can I still be charged back if the transaction has been authorised?
Yes you can. An authorisation means that the funds were available at the time that the transaction was carried out and the card which was used had not been reported as lost or stolen. The payment is therefore not guaranteed.
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- Why do Chargebacks occur?
Chargebacks occur when a transaction is returned to the acquirer by the card issuer and where the acquirer may apply a debit to the merchant's bank account. The cardholder can dispute transactions for several reasons and the card issuer will support their cardholder's dispute if it is valid under the scheme rules.
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- How can I help protect my Card Not Present (CNP) business against the risk/fraud?
You can help to prevent CNP fraud through the implementation of fraud tools including Card Verification Service (CVV/CID) and 3D Secure Services.
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- Can AIB Merchant Services provide answers to some of the more detailed technical questions we have with regards to PCI DSS?
All information provided by AIB Merchant Services is based upon our interpretation of the PCI Data Security Standards and the information you have supplied us. If you require more detail in the answers regarding PCI DSS, we suggest that you visit the PCI Security Standards Council website.
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- What is Card Verification Value & Address Verification Services (CVV/AVS)?
CVV is an additional service which is intended to assist the combating of fraud in Card Not Present transactions (i.e. online, mail or phone purchases). The purpose of the Card Verification Value is to ensure that the data stored on the magnetic stripe of the card is valid and was generated by the issuing bank. The CVV code is the final 3 digits of the number shown on the signature strip of the card.
Address Verification Services ensure that the supplied address details match those registered for the card.
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- What is the AIBMS Merchant Support Centre number?
Go to our Contact us section for more information.
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- Do I need to be an AIB Merchant Services customer to get loyaltyplus?
Yes, in order to set up an AIBMS loyaltyplus programme you need to be an AIBMS merchant.
To set up an account or to switch from your current provider, please contact our sales team on
ROI: 01 218 2100
UK: 0845 301 5407
or email sales@aibms.com.
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- Can I pay AIB Merchant Services by cheque?
No, all payments are set up for direct debit processing and all pricing is based on receiving automated payments on the due date. Cheque payment is only requested if the account is in arrears.
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- What do I do if my terminal is stolen or damaged?
Under the terms of the lease agreement, the merchant is responsible for the safe keeping of the equipment. In the event that the terminal is stolen or damaged, you should advise the terminal supplier who will arrange for the replacement terminal to be delivered and will inform you of the cost for replacing the equipment. You should then make a claim to your insurance company and pay the terminal supplier for the replacement terminal.
Terminal supplier: The First Data Global Leasing (FDGL) Helpline - 003531 696 8299
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- How do I change the message on my till receipt?
In order to alter the message that prints on your till receipt you should contact the manufacturer directly. The manufacturer will then make the necessary changes through a download to the terminal. The current charge for doing so is approximately €30 / £30. The contact numbers are as follows:
Hypercom - 0818 762 100
Verifone (Integral) - 0818 313 006
Ingenico - 0871 200 1436
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- What can I do if I suspect card fraud in my place of business?
Call the Gardaí/Police immediately and let them know your situation. They will advise you on how to proceed. Preserve any evidence carefully. The Incident Description Form which is available for download on this website may be helpful to you in recording relevant details.
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- Why do I need Chip & PIN in my business?
Chip & PIN technology has a number of major benefits for retailers.The overall transaction time is reduced as PIN use is faster than signature.Costs associated with card fraud are reduced, including a decline in chargebacks raised. A cost-saving benefit is the elimination of paper as retailers no longer need to store copies of receipts where a PIN is used instead of a signature. The use of Chip & PIN shifts the onus of identifying the cardholder away from retail staff and onto a technology-based method.The increased security that Chip & PIN brings creates an opportunity to deploy unattended payment terminals in petrol stations, car parks and so on. Better security on cards may increase card usage.
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- How do I know if a card is counterfeit or stolen?
In the new Chip and PIN card environment, the onus of identifying the cardholder has largely been moved away from retail staff and onto a technology-based method of identity.
The card is swiped or dipped in the Point of Sale terminal, the terminal reads the card to check if it is a Chip and PIN card, a Chip and signature card or the old-style, magnetic stripe card and prompts the retailer to request either a PIN or a signature from the cardholder, depending on the card type.
For a Chip and PIN card transaction the cardholder verifies that they are the bona fide owner of the card by keying in a corresponding PIN to the terminal PIN pad. The terminal verifies the cardholder, based on the PIN being approved. If the card is a counterfeit one, the terminal will prompt the staff member to decline the card or if it is accepted online, the card issuer will be liable for the fraud spend.
Be wary accepting a payment card when the customer claims not to remember their PIN. This could be an indication that the card was stolen.
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