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Merchant Services - Card Processing Basics

Card Processing Basics

Q. I want to accept Credit, Debit, Check, and Gift Cards. Can Bank of Hawaii let me do that?
Yes! We can enable your business to process Credit, Debit, and gift cards as well as checks!

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Q. How does payment card acceptance work?
Please visit our Card Processing Basics page for a better understanding of how the whole process works.

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Q. What is an authorization?
An authorization is an approval of a cardholder account for a sale amount.

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Q. What kind of cards can I accept?
The most common types of cards that can be accepted are: American Express, Discover, JCB, MasterCard, and Visa.

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Q. I want to accept a different card type other than Visa or MasterCard. How do I get set up?
Refer to the directions below for enabling specific card types. If you have additional questions please call one of our customer service representatives.

  • American Express - If you do not have a 10-digit Service Entitlement number from American Express, call American Express at 800-528-5200
  • Discover - If you do not have an Entitlement number from Discover, call Discover at 800-347-6673
  • JCB - If you do not have an Entitlement number from JCB, call JCB at 800-366-4522
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