Merchant Card Service - Merchant Options - Your Retail Merchant Account Solution Provider

Paymentech alignment with Retail Industry

Complete payment processing solutions combine with enhanced services you desire with the value you want. Input from retailers for the long-term growth and profitability of businesses like yours and designed with the retail processing industry in mind.

Your search for a 'Solution Payment Processor SM ' is here for any retail establishment. Whenever you have a question, trained professionals are standing by to give you the answer. From our toll-free terminal support help desk, available 24 hours a day, seven days a week, to our experienced customer service and retrieval/chargeback resolution specialists, we are here working on your behalf to support your needs.

• Free Paper and Credit Card Machine with monthly Maintenance of: $9.95 if you need the service. If it breaks we replace Free.
• Assistance with next day Notification and Resolution regarding "Charge Backs" . You're not left in the dark with charge backs anymore; we're here for you.
• Monthly statement is clear and to the point from Chase; view examples of Chase statements go to: http://www.merchantcardservice.com/ChaseStatement.html
• Our goal is for you to have one point of contact; with your own ' Customer Relations Manager ' to help with all your account requirements and needs. No need to be a member of an Association to get these rates and services.
• Loans for restaurants' / POS equipment, etc. $10,000-1M @ 1.24% based on monthly credit card sales. No app fee.

Counter-Top Payment Terminal Comparisons

Explanations on the way Retail credit cards qualify.

Face -To-Face Credit Card Qualified

• The card's magnetic stripe must be swiped through the terminal.
• An electronic authorization for the exact sale amount 1 is received. Authorizations received via voice or telephone request do not qualify
• The authorization request and the transmission of the sale must be a single transaction. A "ticket only" transaction using a previous authorization request does not qualify.
• The batch is settled within one (1) calendar day from the date of the authorization request.
• The card is not a Business, Corporate, Purchase, or Foreign card.

Face-To-Face Check Card Qualified

• All requirements for CPS/Retail.
• Settled amount must equal authorization amount. If transaction fails authorization tolerance, it will qualify as EIRF or Non Qualified.
• Rate ONLY applicable to U.S. issued cards, non-US will qualify at eh credit category.

Face-To-Face Credid Card Mid-Qualified

• The card's magnetic stripe must be swiped through the terminal OR the correct information from the card must be key-entered as prompted by the terminal or software.
• An electronic authorization is received. Authorization received via voice or telephone request do not qualify.
• The batch is settled within two (2) calendar days from the date of the authorization request.
• The card is not a Business, Corporate, Purchase, or Foreign card.

Face-To-Face Check Card Mid-Qualified

• All requirements of CPS/Retail Key Entered.
• This rate is only applicable to U.S. issued check cards, non-US wil qualify at the credit category.

Face-To-Face Credit Card Non-Qualified

• The transaction is not authorized or the authorization is received via voice or telephone request.
• The batch is settled three (3) or more calendar days from the date of the authorization request.
• The card is a Business, Corporate, Purchase, or Foreign card.

Face-To-Face Check Card Non-Qualified

• All requirements of CPS/Car Not Present.
• This rate is only applicable to U.S. issued check cards, non-US wil qualify at the credit category.

Solutions that Fit Your Needs...

We:

• Show you how to generate new revenue streams with gift cards or private label cards.
• Process transactions with state of the art gateways that process with Quick Books.
• Saving you time and money on your merchant processing fees; whether your business is Retail (card present) or Internet (card not present or keyed transactions).
• Giving you the knowledge to understand and utilize e-commerce.
• Offering Payment gateways for online merchant processing with an assortment of payment options.
• Provide you FREE with easy, powerful online management and reporting tools.

In today's business world merchant services is not just a necessity it is a businesses life line to success. As a business owner you demand the best service and merchant rates for your time and money. Below you will find some of the many benefits we have to make things easier for you:

Note: We won't ask for your Bank Card Processing Statements. Unless your monthly volume is over 150k; this is needed by underwriting to verify Charge Back History, etc. Each industry has it is own SIC Code and we know what the average ticket and volume is for each.

Free access to yesterdays processing with:
https://mymerchantview.net/mmv/Operations View daily and monthly transaction reports for the past 6 months. This can be downloaded into Quick books using comma delineated or into Excel.

Customer Service and Terminal Support when you need it 24/7/365, via phone or internet: http://support.merchantcardservice.com/ we are the first to have a support site dedicated to you; continuing to ratchet up the standards.

You choose how to set up your merchant account and what cards and services to accept.

• Your Chase merchant application sets up Visa and Mater Card, new Discover, Amex, JCB require additional approval on same application. If you have an existing number for Discover and Amex the field to enter the number is proved on application.
• Swiped Cards (Qualified Rate Transactions) - Averages 10-20%, these cards are read by the magnetic strip on the back of the card by your credit card machine.
• Debit cards (where customer enters a PIN number to complete the transaction) - A new PIN Pad will be exchanged with yours; includes a 6' cord and Encryption for: $75.00 . If not taking Debit it's time to look again, these transactions have a fixed transaction cost and NO discount rate for each transaction.
• Check Cards - Averages 30-55% of your swiped transaction count, depending on what your average ticket size is, larger transactions are more likely to be credit cards.

  Note: These card types are moving to Loyalty and Reward Check Cards and they qualify as a MID Qualified Check Card transactions.

• Loyalty, Reward and Frequent flyer Credit Cards are classified as MID Qualified, Average 25-35% of your count
• Corporate and Foreign Cards: are classified as NON Qualified, Average 10-20% of your count.

  Note: If you customers are more B2B, then you will have checks cards that are Corporate and Foreign Cards.

• Check Guarantee Services including ACH via Web and POS units and Gift Cards.
  

We sell Credit Card Equipment, Point of Sale systems and supplies; shipped to your business.

Note: For equipment sales; please view http://www.sierraposcenter.com/

Each card type has several categories that qualify at a specific discount rate: Qualified, Mid Qualified, Non Qualified rates and each of these has their own separate check card rates, therefore you should have (6) Six rate categories' on you statements.

Otherwise, you are paying too much for your credit card processing.

We give you the rates and support you expect for merchant processing for Credit and Check Cards.

FlexCache program, can offer your customers customized gifts, for employee cards and merchandise return issues. With stored value cards you can customer loyalty increases because the total value of the card is guaranteed to be used at your location(s); thereby strengthening your brand, by allowing you the opportunity with every card that has your logo to be a "walking advertisement" for your business. FlexCache card services add up to less money spent on operating expenses and more money spent by each of your customers.

Flexible Platform Options - Paymentech offers a fully redundant host-based system for a variety of solutions to meet each of your processing needs; including point-of-sale (POS) interfaces, stand-alone credit card terminals and PC software products for multi-terminal configurations requiring central reconciliation.

Expanded Payment Offerings - More than just MasterCard, Visa, American Express, Discover, Diners Club and JCB, debit cards and many stored value payment options such as gift cards, merchandise return cards, employee cards, pre-paid cards and electronic gift certificates are available.

Chargeback and Retrieval Handling - The chargeback and retrieval department handles and protects the sales you've already made. We can often act on your behalf to prevent chargeback's before they occur.

Comprehensive Reporting - Paymentech provides detailed location and corporate reporting in daily, weekly or monthly formats through varied delivery means, including Web-accessed reports.

Superior Service - Paymentech provides around-the-clock terminal support and an experienced account management team to ensure your establishment runs smoothly and efficiently.

Variety of Terminal Options - Through Paymentech we offer a range of terminal solutions that provide the flexibility your business deserves. From expanded memory capacity and integrated printers to easy-to-read and easy-to-train touch screens, you will have the latest functionality at your finger tips.

Advanced Communications - Paymentech supports a wide variety of connectivity methods including VSAT, frame relay, Internet transport and various wireless technologies.