1 Card payment processing for your business Easy, reliable and secure solutions
2 Easy We make things simple for you and your customers. Reliable We re always there for your business when you need us. Secure We ensure the highest level of security with every transaction.
3 Why Moneris Solutions for payment processing? Easy, secure and reliable Giving your customers an easy option to pay their way is a great advantage for your business. Not only does it help you increase your sales volume and speed up your service, but it can also improve your cash flow by depositing funds directly into your bank account. More reasons to choose Moneris Canada s leading payment processor, with more than 3 billion credit and debit card transactions a year, for over 350,000 merchant locations across North America A leading acquirer that provides end to end customer service, including shipment, service and repair of payment terminals Competitive rates on payment processing services and products Innovative and easy to use products and services, including e-commerce and mobile solutions 99.9% system reliability 1 Fast and simple processing that saves time and makes it easy for customers to pay you Bilingual customer service team that s available 24/7 Improved cash flow, with payments deposited to your bank account usually within 1 business day Visit moneris.com or call to speak to a Moneris representative today.
4 All you need Debit and credit card payment processing has never been easier As Canada s leading debit and credit card payment processor, we pride ourselves on the outstanding products and services that we deliver. No matter what size or type of business whether you run a retail store, restaurant, health care office or delivery service we have the perfect solution to simplify your card payment processing, so you can focus on managing your business and looking after your customers. We also take pride in the high level of customer service that we deliver to our merchants. Our goal is to be continuously reliable and easy to use, ensuring peace of mind to both merchants and customers alike. Our bilingual customer service team is available 24 hours a day, 365 days a year. Our secure and reliable solutions ensure that your terminals operate seamlessly. Whether you are on location, online or on the go, you can be assured that you never have to worry about your payment processing. Moneris is your single point of contact for VISA*, MasterCard, Discover, Amex, Interac Direct Payment, and all point of sale solutions. more people go with Visa.* visit visa.ca Why I like Moneris Moneris has increased our level of service and eliminated the line of patrons that used to form at the central payment station. Business Owner plus de gens se donnent le go avec Visa.* visitez visa.ca
5 Extras to help your business Additional services that will increase revenue and help your business grow We provide a range of solutions that allow you to increase sales and manage your business more efficiently all in one place. Retail management solutions combine payment processing with inventory management and customer management tools Data security tools that help keep your data safe and reduce your risk exposure to online fraudulent activities Online reporting and messaging tools like Merchant Direct give you 24/7 access to transaction data, summary reports, monthly statements and online customer service inquiries Latest innovative technologies include new and enhanced products and services whether you are on location, online or on the go Loyalty programs that help encourage repeat customer visits, drive incremental sales, and gain customer insight Customizable gift card solutions are an easy and cost-effective way to offer more purchasing options to your customers Why I like Moneris Stationery and supplies including thermal paper rolls, printer ribbons and many other stationery items It used to take us hours to reconcile the month s transactions. Now it takes us an hour, total. Business Owner
6 Which Moneris payment solution is right for your business? Payment Terminal Ideal Business Types Description Benefits COUNTER / TABLE TOP Retail Stores Showrooms Warehouses Great for businesses that want to process payments at one stationary location with a high-speed or dial up Internet connection and minimal hardware. Enhances customer service Secure and versatile SHORT RANGE WIRELESS Restaurants Salons Spas This solution lets you bring payment processing right to your customers on or near your premises using a wireless device and high-speed Internet. Enhances customer service Provides payment versatility Improves efficiency LONG RANGE WIRELESS Taxis Door to Door Sales Golf Courses Deliveries Take payment processing to the next level by processing card transactions anytime, anywhere in-store, on the go or at an event using a wireless device and a nationwide network. 2 Provides great customer service Expands your business Improves efficiency TELEPHONE IVR Businesses with low credit card volumes and no debit card transactions Process credit card transactions conveniently using voice prompts on any touch-tone phone. An ideal choice if you handle only a few credit card payments a month. Simple to use Enhances customer service Saves time and reduces risk MOBILE APP & READER Trade Show Vendors Contractors Accountants Electricians Home Repair Services Transform your mobile phone or tablet into a payment device and process credit card payments wherever you are. Fast and simple, it allows you to accept payments and close sales on the spot. Flexible and convenient Faster and easier sales Secure Real-time reporting CONTACTLESS Grocery Stores Pharmacies Movie Theatres Gas Stations Customers can simply tap or wave their card in front of a contactless reader and a transaction is completed in seconds. Fast and streamlined More convenient Protection against certain chargebacks
7 Are you considering online payments for your business? Online Payment Module Ideal Business Types Description Benefits VIRTUAL TERMINAL Call Centres Order Desk Environments The Virtual Terminal module is easily accessible using most current web browsers and all transactions are processed securely. Reduce errors and lost sales Improves sales efficiencies Easily tracks employee usage Helps to reduce fraud CARD PRESENT Accountants Financial Advisors Insurance Brokers Property Managers Real Estate Brokers The Card Present module allows you to plug a PIN Pad into your computer to process face-to-face debit and credit card transactions. Leverages an existing computer Frees up counter space No software to install or maintain ECOMMERCE Any online business If you are conducting business over the Internet, or have a need for an online store, then you should consider the Ecommerce module. Provides easy access to transaction reporting Hosted payment pages Allows instant order notification Enhances cardholder security Helps to reduce fraud BATCH PROCESSING Publishing Communications Charities Insurance Utilities If you process a large number of transactions on a daily, weekly or monthly basis that do not require a real-time authorization response or are not set amounts or on set frequencies. Saves time Enhances security Reduces errors Provides flexible processing RECURRING PAYMENTS Daycare Fitness Cable Hydro Telecommunications If you bill your customers automatically for routine products or services on a set amount and frequency, such as weekly or monthly. Reduces administration time Reduces errors and collection expenses Increases customer satisfaction Helps to reduce security risk
8 You re in control Moneris gives you options to choose what is right for your business. We can either integrate card payment processing with your existing POS solution, or we can provide you with a fully supported retail POS solution. Integrated payment solutions We partner with hundreds of technology vendors to make it easy to integrate your card payment processing with your business s programs streamline POS processes, increase the efficiency of sales and inventory management. Retail POS management solutions Our retail POS software solutions are affordable, simple and secure. Whether you are just looking for a cash register replacement or an advanced solution to grow with your business, we have the right module for you. Cash Register Module quickly and easily processes transactions such as sales, refunds, and exchanges. Inventory Management Module adds, organizes and manages your inventory using a variety of helpful tools. Customer Management Module creates customer profiles, tracks customer histories and assigns pricing groups. Why I like Moneris By partnering with Moneris, we got the support we needed to enhance our service offering and the creativity to bring in new business. Business Owner Real Time Reporting Module offers a variety of financial, inventory, customer, employee, and miscellaneous reports.
9 Getting started is easy Follow these 4 simple steps. Get your business running efficiently and effectively starting now. We make things easy, right from the start. All you have to do is follow these 4 easy steps. 1. Speak to a bank or Moneris representative today. They ll be able to answer any questions you may have, and help you fill out your forms to get started. 2. Once we receive your information, a Moneris Sales Consultant will contact you and verify all the details and determine your rates within one business day. 3. Upon approval, you can expect to receive your terminal and welcome kit by courier, along with easy to understand instructions on how to get started. 4. Read the instructions on how to use your new terminal, and you re ready to start building your business! Why I like Moneris Moneris understood our needs and recommended a solution that benefits our organization they re a good partner to do business with. Business Owner
10 Frequently asked questions Here s what you should know about Moneris Who owns Moneris? Moneris Solutions Corporation is a joint investment between BMO Bank of Montreal and another large Canadian financial institution. Why should I choose Moneris? Payment processing is an essential part of any business, big or small. So it s important to run and grow your business with an industry leader in card payment processing. Our top priority is to consistently provide best-in-class service and reliability that you can always count on. What is interchange? More than 75% of the cost of accepting credit card payments is the rate charged for the type of card you accept, such as basic or standard, premium, gold, or corporate and the way that you accept that card. This rate, called interchange, is the same for all payment processors and is set by the card brands. Only a small portion of fees you pay for the transaction actually goes to your payment processor. 3 Do I need a different terminal to accept different types of payments? Moneris is your single point of contact for VISA, MasterCard, Discover, Amex, Interac Direct Payment, and all point of sale solutions. Who can I talk to if I have any other questions about my business? At Moneris, we are always here to help. You can either go to moneris.com to read more about our products and services, or if you have a specific question, you can call and speak to a Moneris Solutions Sales Consultant. Why I like Moneris The level of attention to customer service gives me peace of mind. Business Owner
11 Here s how to get started Visit moneris.com or call to speak to a Moneris representative today. Moneris Solutions Payment Processing Inquiries Toll Free: International Calls: Cantonese/Mandarin Contact: Customer Service Inquiries Contact the Moneris Service Centre at: Phone: Fax: Mail Moneris Solutions Corporation P.O. Box 219, Station D, Toronto, ON M6P 3J8 moneris.com 1 The Moneris service is available if the Moneris host system processing platform is operational. Service availability is as measured by Moneris Solutions Corporation ( Moneris ) each calendar quarter and is subject to certain exclusions including scheduled maintenance and downtime caused by events or circumstances beyond Moneris reasonable control. 2 Service availability is dependent on GPRS wireless network coverage. 3 Based on a one year analysis conducted of Moneris net new merchants processing Visa and MasterCard credit cards from January to December Merchant pricing may vary based on a number of factors including dollar and transaction volume, industry, size, accepted card types and how cards are processed. Moneris, Moneris design, Moneris Solutions design, and Merchant Direct are registered trademarks of Moneris Solutions Corporation. *Registered trade-mark of VISA Canada Inc. Moneris is a licensed user. Registered trade-mark of MasterCard International Incorporated. Used with permission by Amex Bank of Canada under license from American Express. Interac is a trade-mark of Interac Inc. Used under license. Registered trade-mark of Discover Financial Services. Registered trade-mark of Bank of Montreal, used under licence. The statements made in this brochure are intended as guidelines only. Individual situations and results will vary. Devices and other equipment may not be exactly as shown. Neither Moneris nor any of its affiliates shall be liable for any direct, indirect, incidental, consequential or punitive damages arising out of the use of any information and any other content in this brochure ( Information ); and neither Moneris nor any of its affiliates, nor any respective licensors, licensees, service providers or suppliers, warrant, make any representation or are liable for any claims regarding such Information. All Information is subject to certain terms and conditions, including Moneris standard adjudication policies and agreements. All Information is subject to change without notice (10/12) BROCH_BMO_E_2012
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