International Payment Services. Credit & Debit Card Processing

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1 International Payment Services Credit & Debit Card Processing

2 Merchant Processing Overview Visa, MasterCard, American Express, Discover, Diners, JCB, Debit, EBT, Fleet Card (Wright Express and Voyager), and Gift/Loyalty Cards Available User-Friendly, Diverse HCS & TCS Applications on Key Products VeriFone (Tranz and Omni series featuring the 3750) Hypercom (T7 Series, Ice 5500, and T7 Plus) Lipman (Nurit 2085, 3020, and wireless 3010) Thales Telecheck Eclipse Internet Gateway and Virtual Terminal Over 800 VAR Products Also Available

3 Merchant Processing Industries Supported Retail/Restaurant Lodging Supermarket E-commerce & MO/TO Petroleum (C-Stores) Auto Rental Professional Services (medical offices, attorneys, etc.)

4 Offer ALL Services On One Machine The Omni 3750! Multi-Application, Multi-TID Functionality Allows for Visa/MasterCard Amex Discover Gift/Loyalty Programs Prepaid Cellular Prepaid Phone Cards Payroll/Gov t Check Cashing Debit Diners

5 Merchant Processing Transaction Flow Merchant swipes The card The terminal receives the approval & prints a receipt. Terminal calls processor Processor submits approval code back to the terminal. Processor sends the transaction to the credit card company (e.g. Visa, MC) The credit card company transmits approval code back to Processor. Credit card company requests authorization from bank. The bank approvers transaction & sends an approval code to credit card company Cardholder

6 Settlement Cycle At the End of the business day the Batch is Sent to Processor (Manual Close or Auto Close) The Processor sends the Batch information to the Networks The processor send the funds, minus the processing fees to the merchants account (daily or monthly) Merchants Account The network associations collect funds from each cardholders accounts & Charge the merchant processing fees. (Fees established in merchant contract) Cardholders Account

7 Merchant Processing Discount Rates Discount Rates are Fees Charges by the Merchant Level Sales Person to the Merchant ON TOP of Processing and Interchange Fees Tier 1* (Qualified Rate) A merchant will almost always qualify for tier 1 if the transaction is swiped at the point of sale and the batch is settled within 24 hours Tier 2* (Mid-Qualified) A merchant will almost always qualify at tier 2 if the transaction is hand keyed at the point of sale and Address Verification is obtained (batch must be settled within 24 hours) Tier 3* (Non-Qualified) The highest discount rate a merchant can be charged. Merchants will qualify here for corporate/business card transactions, hand keyed transactions where AVS was NOT performed, the batch was not settled within 24 hours, etc. VERY Competitive Buy Rates Available for Retail/Restaurant, Lodging, Quick Service Restaurants, Supermarket, and E- Commerce/MO/TO Available Including a LOWER Buy Rate for Check Card Transactions in Some Industries *These descriptions are generalizations. There are MANY additional reasons why a merchant may qualify for each tier.

8 The IPS Difference IPS Payment Systems is Dedicated to YOUR Success IPS s various products provide a true One Stop Shop solution, providing several revenue generators for top commissions Operations support team insures smooth merchant implementation, training, and 24/7/365 on-going support Dedicated sales account management for industry consultation and escalation needs Comprehensive on-line reporting (both merchant and VAP) for ALL products

9 IPS Customer Service 24 x 7 x 365 toll-free support provided by highly-trained NPS team members On-line daily access to commission and settlement data, including free monthly statements on-line On-site or over-the-phone training for store clerks, managers and new hires Bilingual Customer Service Reps

10 International Payment Services Credit & Debit Card Processing The COMPLETE Payment Processing Solution We Appreciate Your Business!

11 International Payment Services Turn to IPS for all of your Payment Processing Needs!!! Electronic Payment Processing Credit Card Processing Electronic Lock Box Outsourcing Payment Call Center ATM Deployment IVR Development

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