With Cape Cod 5’s merchant services, you have the technology and the team to help power your business.
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Payment solutions that make running your business even easier
Cape Cod 5 offers options to meet your needs, while enabling your business to accept the methods of payment that your customers expect at point-of-sale (POS) or online. Paired with our broad array of business banking services, managing your day-to-day finances has just gotten simpler!
A trusted and experienced team on your side
Find seamless payment solutions with full PCI compliance that are backed by a local team committed to your success, and who can offer guidance in a changing payments landscape. We ensure fast and effective implementation with a customized schedule so that you don’t miss a beat.
Reach out to us to find out how we can assist you with payment solutions to support your business, including:
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Point-of-sale (POS) systems, including tipped transaction support, on-screen signatures and email receipts
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Product management tools
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eCommerce & online ordering
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Fraud monitoring and chargeback assistance
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Business to Business (B2B) solutions & customer invoicing
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Level 3 processing
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API development & software integrations
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eCheck services
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Achieving full PCI compliance
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Tools and reporting to help you manage your business
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And more!
Cape Cod 5’s Merchant Services is powered by Chesapeake Payment Systems
Meet Our Team
Mary Beth Eddy
Director of Merchant Services
Email Mary Beth
Mary Beth has over 35 years of experience in the payments space, with extensive knowledge and expertise in all facets of merchant solutions. Mary Beth joined Cape Cod 5 in 2023 in the role of Vice President, Director of Merchant Services.
Previously, Mary Beth held leadership roles at a large retail and commercial bank, payment processors, a local independent software vendor ISV and a payment Fintech. She attended the University of Massachusetts, Lowell and is a longtime member of the Cape Cod community.
Mary Beth brings creativity to everything she does and enjoys both home and interior design.
Frequently Asked Questions
What card brand types can I accept?
Merchants are able to accept all forms of card payment – VISA®, MasterCard®, Discover® and American Express®.
When will I receive my statement?
Merchant statements are available on the 2nd business day of the month in the online merchant portal. Statements delivered via USPS may take up to 14 days to arrive.
When will I receive my batched funds and when are merchant processing fees charged?
The timing of merchant funding and fee deduction can be tailored to your specific needs during the account setup process. Contact Cape Cod 5’s Merchant Services team to learn more.
Will my terminal support both Ethernet and phone line connectivity?
Card terminals are able to connect in many ways. Ethernet connectivity is recommended based on the large amount of data that is transmitted when cardholder transactions are processed.
How can I protect my business from fraudulent transactions?
The card brands (VISA, Mastercard, etc.) provide many resources to protect from fraudulent transactions. Please refer to the following websites for tools and suggestions:
Visa Fraud Prevention | Credit & Debit Card Fraud Detection | Visa
Mastercard Safety & Security for Small Business Merchants
What do I do if I receive a dispute (chargeback)?
Gather all pertinent documentation as requested in the Debit Advice Letter sent by the issuing bank.
Ensure that you are providing all documentation to support the transaction.
Be wary of accepting to continue to Pre-Arbitration or Arbitration due to potential fees associated that may be more than the cost of the dispute.
Upload your response to the following site: https://merlinkresponse.com. Ensure that all uploaded documentation is legible.
Contact Chesapeake Payment Systems for best practices at 866-941-1335 or [email protected].
For more information, please view the card brand dispute management guidelines via the websites below:
Merchant Disputes | Visa
Chargeback Guide Merchant Edition (mastercard.us)
What is PCI compliance and why is it required?
The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store or transmit credit card information maintain a secure environment. Validation of PCI DSS is required annually. Please go to the official PCI Security Standards Council website for more information:
PCI Security Standards Council Site - Verify PCI Compliance, Download Data Security and Credit Card Security Standards
All terminals issued by Cape Cod 5 are PCI compliant.
How do I complete my PCI DSS compliance?
PCI DSS compliance is based on how your merchant account is set up to process. Contact Cape Cod 5’s merchant services team to learn more.
Why have I received a 1099-K?
