TeleCheck Service. Relationship Management: (866)

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1 TeleCheck Service TeleCheck is a leading provider of Paper and electronic check services. With over 40 years of experience, TeleCheck s commitment to continuous innovation helps business safely and efficiently accept check payments at point-of-sale. Relationship Management: (866) Relationship.Management@ipaymentinc.com Telecheck ISO Channel Support (800) ChannelSupport@FirstData.com Programs 1. ECA - electronic transaction at the point-of-sale, converts paper check into ACH, requires check imager 2. Paper Check Acceptance Warranty- check guarantee, check reader not required if terminal supports manual check entry 3. Mail Order / COD- Allows merchant to process checks they receive through the mail or checks on delivery 4. Hold Check- Allows merchant to take up to (4) checks for payment (New Automobile Dealerships for the purchase of new automobiles only) 5. Internet Acceptance Service Business has to be established for 2 years- $5,000 max (Custom Product) 6. Lockbox- Accounts receivable conversion checks must be mailed in, lockbox or drop box using the Eclipse Terminal only (Custom Product) 7. Telephone Acceptance Service- Business has to be established for 2 years - $5,000 max (Custom Product 8. Check Cashing Service (Custom Product) Setting up TeleCheck - Complete the application correctly according to the TeleCheck program the merchant will be using. New Merchants Fax paperwork with Merchant application to ipayment New Accounts. If you re adding Telecheck to an existing IPI Account, fax paperwork with Voided Check to Account Changes. o o o TeleCheck Service Agreement will be submitted to TeleCheck by ipayment. Approval Instructions: ipayment will notate in the Agent Site when TeleCheck is approved, declined or pending. (ECA has Hour Approval) Once you see approved in the comments section of the IPI Agent Site you will instruct the merchant to contact TeleCheck or First Data depending on the terminal type the merchant has. Please refer to the Terminal Support Section for merchant support download phone numbers. Terminal /Download Support: See Attached Terminal Download Support Matrix Existing Telecheck Merchants: Telecheck does not allow ISOs, Agents or Processors to resign and existing Telecheck Merchant Revision 1010

2 TeleCheck Service Programs Briefs 1. Paper Check Warranty (Checks that cannot be processed electronically default to Paper Check) Paper check warranty program using TeleCheck s databases and unparalleled risk management system Both consumer and corporate checks Face Value as the warranty amount (up to $99,999) should be checked on the Agreement 30 days allowance to send in returned checks - No post dated checks and No starter checks Inquiry, Month Minimum, Transaction Fee and all Hard-coded fees do apply 2. ECA (Electronic Check Acceptance) Converts checks into ACH TeleCheck funds merchant within 48 banking hours after terminal is batched out Face Value as the warranty amount should be checked as ECA business rules are built in and checks larger than $25,000 will default to Paper Check Acceptance. Inquiry Rate, Month Minimum, Transaction Fee and Hard-coded fees do apply 3. ECA /Paper Check Warranty Grocery & C-Store (Convenience Store) Vertical Markets Same products as above with vertical market pricing No Inquiry Rate Grocery Maximum Warranty is $300 C-Store Maximum Warranty is $200 Cash back program up to $25 in conjunction with a purchase 4. Mail Order / COD 5. Hold Check COD - Merchant can accept DDA & Routing over the phone to process through TeleCheck s databases. Actual check is picked up at time of delivery. 10% variance allowed on amount processed and actual amount of the check Addendum required with Service Agreement Mail Order Merchant can process checks received through the mail 10 day variance between date of check and date check is processed to allow for mail Addendum required with Service Agreement Warranty Face Value should be checked on application value up to $99, day allowance between entry & pick-up New Automobile Dealerships and for new automobile purchases only Merchant can take up to (4) checks for the down-payment of the vehicle The first hold check must be deposited within two business days of purchase Warranty - Please refer to section 2 of The Hold Check Service Addendum 45 day warranty submittal time on returned checks Revision 1010

3 TeleCheck Service The following services are also available through Telecheck. A custom product form must be filled out and sent directly to Telecheck Channel Support for pricing and instructions. 1. Internet Acceptance Service Business has to be established for 2 years, $5,000 max, Low & Medium Risk SICS only 2. Lockbox- Non Face To Face ECA (For Eclipse Terminals Only) 3. Telephone Acceptance Service - Business has to be established for 2 years, $5,000 max, Low & Medium Risk SICs only 4. Check Cashing 3 Approved SICs for Warranty ( C-Store, Grocery & Lodging), standard acceptable SICs for Verification SERVICES OFFERED SERVICE FEES 1. Subscriber: Legal Name. 2. DBA: Doing Business As Application Instructions 3. Contact Name: Person who should be contacted regarding the account. 4. Federal Tax ID: Federal Tax ID number for the business. This is required for all applications. For a sole proprietorship the SSN can be used. 5. Phone number: Merchant location phone number (Please also provide Fax Number) 6. Physical address: Location of Business. Post office boxes are not acceptable. 7. MID: Leave this section blank (unless the merchant is an existing merchant with ipayment) 8. Equipment Type: Type of equipment merchant will use to process checks 9. Address: (Optional) 10. Bill To: Address that statements or any additional information will be mailed to (If same as physical address please write same in this section) 11. SIC CODE: Leave this section blank (unless merchant is existing, then you can locate SIC code on the iaccess website under portfolio page) 12. PLATFORM: Front-end that merchant will process check services through 1. Monthly Check Volume: Estimated monthly Volume of checks that will be accepted 2. Average Dollar Amount: Estimated average dollar amount of the merchants transactions 3. Warranty Maximum: Please refer to program guideline in Program Briefs 4. Monthly Minimum per location: This is the minimum a merchant will be billed each month by TeleCheck. 5. Inquiry Rate: Based on the SIC risk level. The Inquiry Rate is the percentage to be charged against the face value of each check. Agent Buy Rate is as follows: 6. Transaction Fee: This is the fee charged for each check transaction processed through the TeleCheck system. 7. Monthly Statement / Processing Fee (Hard-coded): This fee cannot be changed or waived. 8. Customer Requested Operator Call CROC (Hard-coded): This is a charge for live operator authorization calls. This fee cannot be waived or changed Revision 1010

4 TeleCheck Service 9. December Risk Surcharge (Hard-coded): Each transaction in December will be charged an additional 10 basis points. This fee can not be waived or changed. 10. Set-Up Fee: There is not a charge to set up TeleCheck. ECA PROCESSING (ECA Accounts Only): 1. Fund Subscriber: Reporting of funds 2. Summarize Funding: Statement Mailing 3. ECA Funding Report Fee: Merchant requesting Daily or Weekly Reporting 4. Auto Close: The auto close time should be at least 45 minutes after the Credit Card Auto Close time. Closing times after 11:00pm Central Time will go into the next business day. (Auto close on this agreement only applies to the terminals where ECA is downloaded by TeleCheck.) 5. FUNDING INFORMATION: 1. Payments to TeleCheck by Merchant and Credits to TeleCheck: Merchants Bank account information. Complete the required areas of this section: Bank Name ABA Transit # - 9 Digits Account # REFERENCE AND CREDIT CHECK INFORMATION: 1. Legal Structure: type of organization this merchant is 2. State Incorporated: The state where a corporation was incorporated 3. Month / Year Started: The month and year the business began 4. # of Employees: The current number of employees the business has 5. Owner / Officer: Fill in all areas in this section with the owner s information (For Public Corporations, a D & B number can be used instead of a SSN.) SPECIAL INSTRUCTIONS: Please write in any special instructions for the merchant (additional contact # s, 9 to dial out) SIGNATURE, DATE, PRINTED NAME AND TITLE: Merchant agrees to Terms of TeleCheck Service Billing Merchants will receive a monthly statement from TeleCheck for their prior month s activity Statements will display client name and contact information/ will be sent to merchant between the 2 nd 5 th of each month Fees will be automatically drawn from the merchant s DDA account as designated on the Service Agreement; account debited between the 19 th 23 rd of each month Revision 1010

5 TeleCheck Program Pricing AGENT COST* ipayment is passing on their direct cost to all agents, all agents will receive a 50/50 split on net revenue Residuals for TeleCheck will be paid on a separate residual. Agent will be paid once we have been funded by TeleCheck. Agent Cost Rates Based on SIC Code Low Risk: 1.05% Medium Risk: 1.25% High Risk: 1.40% No inquiry rate for Grocery/C-Store *Please see attached spreadsheet that states which Category of Risk the potential merchant falls under TRANSACTION FEES Standard Transaction Fee $0.15 Grocery Store Transaction Fee $0.35 C-Store Transaction Fee $0.25 OTHER FEES Monthly Minimum (per location) $10.00 (Cannot exceed $30) Monthly Statement $5.00 (Cannot be changed or waived) Customer Requested Operator Call $2. 50 (Cannot be changed or waived) December Risk Surcharge Additional.10 BP (Cannot be changed) Set-Up Fee $0 ECA Warranty MAXIMUM WARRANTIES BASED ON PROGRAM Face Value up to $99,999 - checks larger than $25,000 will default to Paper Check Acceptance Paper Check Warranty Face Value up to $99,999 Grocery Store Warranty $300 C-Store Warranty $200 Mail Order/COD Face Value up to $99,999 Hold Check Refer to section 2 of Hold Check Addendum Revision 1010

6 TeleCheck Channel Support Line TeleCheck has dedicated a special group to support your Sales Agents/Representatives with their TeleCheck sales. The Channel dedicated group is called Channel Support, which is includes several Channel Account Managers (CAM) and an Operational Manager. Their phone number should never be given to a merchant (see below for merchant service phone numbers). The CAMs staffing the Channel Support Line are not equipped to assist merchants. Calls from merchants will only result in delays for Sales Agents / Representatives who may need immediate assistance. The TeleCheck Channel Support Line is staffed Monday through Friday from 7:30 a.m. to 5:30 p.m. CT, with the exception of major holidays. The Channel Support Account Managers will assist in answering questions or resolving escalated issues, such as: Merchant installation and activation process issues or questions TeleCheck Product information Obtaining TeleCheck merchant information Status of merchant set-up (If 4 or more days have passed since the merchant was approved for credit processing, but has not been contacted by TeleCheck for set-up) Check the general status of a new TeleCheck sale To correct TeleCheck information on paperwork For Sales Representatives ONLY: Merchant service phone numbers: TeleCheck Channel Support Line (Sales Representatives only) Monday Friday 7:30 a.m. 5:30 p.m. CT Note: This line does not accept merchant calls TeleCheck Merchant Assistance Phone Numbers Merchant Services: Authorizations: Terminal Assistance: Check Writer Services (Print and cut the above boxes for instant wallet access) (c) 2008 TeleCheck International, Inc. THIS DOCUMENT, AND ANY ATTACHED INFORMATION: 1) IS PROPRIETARY, PRIVILEGED AND CONFIDENTIAL PROPERTY OF TELECHECK UNDER APPLICABLE LAW, AND 2) IS INTENDED EXCLUSIVELY FOR INTERNAL USE BY TELECHECK EMPLOYEES AND INTENDED RECIPIENTS WITH A LEGITIMATE TELECHECK BUSINESS NEED THEREFORE. ITS REPRODUCTION, DISSEMINATION, DISTRIBUTION AND/OR DISCLOSURE, EXCEPT TO SUCH TELECHECK EMPLOYEES AND INTENDED RECIPIENTS, IS STRICTLY PROHIBITED. IF YOU ARE NOT SUCH A TELECHECK EMPLOYEE OR INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THIS MESSAGE TO THE INTENDED RECIPIENT, YOU ARE HEREBY NOTIFIED THAT ANY REPRODUCTION, DISSEMINATION, DISTRIBUTION AND/OR DISCLOSURE OF THIS DOCUMENT, OR ANY ATTACHMENTS, IS STRICTLY PROHIBITED Revised: 05/27/2008

7 TeleCheck Product & Terminal Compatibility / Support - Omaha Platform (Basic Grid) Terminal ECA Paper File Build Download Training TeleCheck FDR Help Desk Select appropriate option Supported Comm Types (TCK Transactions) Supported Comm Types (Credit Transactons) 1 = Check Reader Required for ECA 2 = FDR must enable key, TCK downloads FDR HD = Omaha Help Desk TCK = TeleCheck ACCELERA / ACCELERA SE N Y TCK w/acct set-up TCK TCK Dial N/A ECLIPSE Y Y TCK w/acct set-up TCK TCK Dial Dial FD50 1 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD100 1 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD100 Ti 1 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD100 Ti WiFi 1 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD200 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD200 WiFi Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP FD300 1 Y Y TCK w/acct set-up TCK TCK Dial / IP Dial / IP HYPERCOM ICE 5500 Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM ICE Y Y FDR HD FDR HD TCK Dial Dial Hypercom T4100 Y Y FDR HD FDR HD TCK Dial Dial / IP Hypercom T4210 Y Y FDR HD FDR HD TCK Dial Dial Hypercom T4220 Y Y FDR HD FDR HD TCK Dial Dial / IP HYPERCOM T7 PLUS Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T77F Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T77S Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T77T Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7E Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7F Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7P Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7PT Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7S Y Y FDR HD FDR HD TCK Dial Dial HYPERCOM T7T Y Y FDR HD FDR HD TCK Dial Dial INGENICO AQUA N N Nashville Dial Dial INGNEICO 5100 N N Nashville Dial Dial / IP LINKPOINT Y Y FDR HD FDR HD TCK Dial Dial 09/28/2010 1

8 TeleCheck Product & Terminal Compatibility / Support - Omaha Platform (Basic Grid) Terminal ECA Paper File Build Download Training TeleCheck FDR Help Desk Select appropriate option Supported Comm Types (TCK Transactions) Supported Comm Types (Credit Transactons) 1 = Check Reader Required for ECA 2 = FDR must enable key, TCK downloads FDR HD = Omaha Help Desk TCK = TeleCheck LINKPOINT AIO 1 Y Y FDR HD FDR HD TCK Dial Dial NURIT 2085 N Y FDR HD FDR HD TCK Dial Dial NURIT 3010 N Y FDR HD FDR HD TCK Dial Dial OMNI 3200 & 3200 SE 2 N Y TCK FDR HD (Credit load) TCK (Check load) TCK Dial Dial OMNI 3210 N N Nashville Dial Dial OMNI 3730 N Y FDR HD FDR HD TCK Dial Dial OMNI 3730LE N Y FDR HD FDR HD TCK Dial Dial OMNI 3740 N Y FDR HD FDR HD TCK Dial Dial / IP OMNI Y Y FDR HD (paper) TCK (ECA) FDR HD (paper) TCK (ECA) TCK Dial Dial / IP TRANZ N Y TCK w/acct set-up FDR HD (Credit load) TCK (Check load) TCK Dial Dial TRANZ N Y TCK w/acct set-up FDR HD (Credit load) TCK (Check load) TCK Dial Dial TRANZ N Y TCK w/acct set-up FDR HD (Credit load) TCK (Check load ) TCK Dial Dial VX510 (same as Omni 3730) N Y FDR HD FDR HD TCK Dial Dial VX510LE (same as Omni 3730LE) N Y FDR HD FDR HD TCK Dial Dial VX570 Y Y FDR HD (paper) TCK (ECA or Paper) FDR HD (paper) TCK (ECA or Paper) TCK Dial Dial / IP 09/28/2010 2

9 TeleCheck Approved SICs ECA and Paper Check Acceptance SIC INDUSTRY RISK 8931 Accounting Unacceptable 4511 Airline and Air Carriers High 7996 Amusement Parks Medium 5932 Antique Stores Low 7299 Apt. Rent and Services Medium 5970 Art and Craft Stores Low 5971 Art Dealers and Galleries Medium 8699 Associations Medium 5511 Auto Dealerships Medium 5511 Auto Dealerships Hold Check VM or Medium 5533 Auto Parts VM or Medium 7531 Auto Repair Shops Medium 7538 Auto Service VM or Medium 9223 Bail and Bond Places Unacceptable 5462 Bakeries Low 7230 Beauty and Barber Shops Medium 5940 Bike Shops Medium 5551 Boat Dealers Low 5942 Bookstores Medium 7399 Business Services Unacceptable 5946 Camera and Photo Supplies Stores Medium 8351 Child Care Services Low 5641 Children's Only Clothing Medium 7210 Cleaning and Laundry Services Low 7349 Cleaning and Maintenance Service Low 5972 Comic, Card, Coin and Stamp Shop Low 5046 Commercial Equipment Low 4812 Communication Services High 4111 Commuter Transportation Low 4816 Computer Network / Info Services Unacceptable 5045 Computer Stores Medium 5541 Convenience and Service Stations VM or Low 7338 Copying Stores Medium 5977 Cosmetics Medium 8021 Dental and Orthodontists Low 5311 Department Stores Medium 5813 Drinking Places (Bar, Tavern) High 8299 Educational Services and Schools Medium 1731 Electrical Contractors Low 5732 Electronic Stores High 7361 Employment Agencies High 7342 Exterminate/Disinfect Services Medium /

10 TeleCheck Approved SICs ECA and Paper Check Acceptance SIC INDUSTRY RISK 8043 Eyeglass Stores Medium 5651 Family Clothing Medium 6012 Financial Services Unacceptable 5713 Floor Coverings Low 5193 Florists Medium 7261 Funeral Homes Low 5719 Furnishing Specialty Stores Low 5681 Furriers Medium 7995 Gambling Establishments Unacceptable 5261 Garden Supply Stores Low 6010 General Check Cashing Unacceptable 1520 General Trade Contractors Medium 5947 Gift, Card and Souvenir Shops Medium 5231 Glass, Paint and Wallpaper Stores Low 9399 Governmental Agencies Low 5411 Grocery Stores VM or Low 5072 Hardware Equipment and Supplies Medium 5251 Hardware Stores Medium 5074 Heat, Plumbing Equip and Supply Low 1711 Heat, Plumbing, AC Contractors Low 5945 Hobby and Toy Stores Medium 5712 Home Furnishing and Equip Stores Low 8062 Hospitals Low 5722 Household Appliance Stores Medium 7375 Information Retrieval Services Medium 6300 Insurance Agencies Unacceptable 5944 Jewelry Stores High 8111 Legal Aid Services Medium 5921 Liquor and Beverage Stores Medium 7011 Lodging Medium 5948 Luggage and Leather Stores Medium 5211 Lumber and Building Mat. Stores Low 5422 Meat Markets High 5047 Medical Equipment Low 7997 Memberships and Clubs Low 5611 Men and Boys Clothing Medium 5699 Misc Apparel and Accessory Shops Medium 5499 Misc Food Stores incl. Health VM or Low 2741 Misc. Publishing and Printing Medium 5271 Mobile Home Dealers Medium 5571 Motorcycle Shops and Dealers Low 4214 Moving, Storage Companies Medium /

11 TeleCheck Approved SICs ECA and Paper Check Acceptance SIC INDUSTRY RISK 5733 Musical Stores Medium 5943 Office Supply Stores High 8042 Optometrist and Ophthalmologists Low 7523 Parking Lots and Garages Medium 5933 Pawn Shops Unacceptable 7298 Personal Services High 5995 Pet Supply Stores Medium 5912 Pharmacies Medium 7221 Photo Studios Medium 8011 Physicians Low 9402 Postal Services Medium 7941 Race Tracks Unacceptable 5735 Record, CD, DVD, Video Stores Medium 5561 Recreation and Utility Trailers Low 7999 Recreational Services Medium 7394 Rentals Long-Term Medium 4457 Rentals Short-Term Medium 5812 Restaurants Medium 5661 Shoe Stores High 7699 Specialty Repair Shops Medium 5999 Specialty Retail Stores Medium 5941 Sporting Goods Medium 4225 Storage Facilities Medium 5996 Swimming Pools, Sale and Service Medium 7276 Tax Preparation Services Medium 5532 Tire stores Medium 5993 Tobacco Establishments Low 4722 Travel Agencies Low 7513 Truck and Utility Rentals High 5521 Used Auto Dealers Medium 5931 Used Merchandise Medium 5300 Variety and Discount Stores Medium 7512 Vehicle Rental High 742 Veterinary Medical Care Low 5621 Women s Only Clothing Medium /