Credit Card Processing
With card swipe to settlement, you will have access to the most robust payment options available - including everything necessary to accept all of the credit card associations, including Visa, MasterCard, American Express, Discover, JCB and Diner's Club.
Debit Card Processing
Up to 40% of all card transactions are made with a debit card. By offering debit, your customers can still purchase goods and services without having cash or a checkbook handy. Your customers can also have the added convenience of getting cash back on purchases...while you have increased protection against charge-backs.
How PIN-secured debit can impact your business:
Increase profits. The average debit purchase is approximately 17% higher than cash purchases. Debit acceptance can also increase impulse purchases, since customers do not need cash, a checkbook or a credit card.
Lower Costs. Realize savings by paying a flat or variable transaction fee (depending on the debit network) unlike credit card rates and transaction fees.
Reduce Fraud. Requiring the entry of a customer's secret Personal Identification Number (PIN) helps reduce fraudulent card usage.
Improve Customer Flow-Through. PIN-secured debit cards do not require businesses to record driver's license and phone numbers, which can speed up the checkout process.
Electronic Benefits Transfer (EBT)
Sign up for PIN-secured debit processing and you're automatically eligible to accept Electronic Benefits Transfer transactions. As increased state and federal benefits are issued via EBT, demand for acceptance of this payment type will continue to grow in the retail environment.
Check Verification and Guarantee
Consumers like to write checks, so accepting them as payment is important to your business. But how can you protect your profits against fraud? By using a verification and guarantee service.
The guarantee service provides the highest percentage of check approvals in the industry - and using it is easy. Your POS terminal can be programmed to walk you step-by-step through the process - returning an approval or denial in seconds.
Gift Cards
A gift card program is a simple way for merchants to capitalize on existing customers, attract in new customers, and keep them coming back to your store. Gift cards are plastic, credit card-sized gift certificates embossed with your store's name. Customers purchase their gift cards from your store and can use them only at your store. For you, the cards are prepaid purchases. For your customers, they're a shopping convenience and a welcomed gift.
Customer Loyalty Cards
Know your best customers and keep them coming back with a loyalty card program. There's no easier, faster way to build customer loyalty, increase traffic and learn more about the customers who mean the most to your business.
Customer Loyalty Cards are a mag-stripe card-based loyalty program that rewards your repeat customers for doing business with you. For example, "Buy 10 sandwiches, get a $4.00 sandwich free," "Spend $250 on merchandise, get $50 off a future purchase," "Earn double points on Tuesdays."
MultiPay
A Web-based service that enables business owners to charge recurring payments to a customer's credit card in set intervals. Business owners define the amount and number of payments in any interval they choose.
Internet Shopping Carts
Internet Shopping Cart service provides Internet payment processing to existing Websites using a certified shopping cart. They provide the payment gateway and processing, providing merchants a valuable service - single-source Internet payment processing. They handle the entire transaction, eliminating the need for merchants to maintain separate contracts with a payment gateway and a processor. This eliminates the headaches associated with multiple vendors.
Getting Started
To learn more information or sign up for any of the services listed above, please contact your local financial center.
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