Processing Solutions One Source for All Your Processing Needs!
Thank you for the opportunity to earn your Credit Card processing business. Our merchants expect and receive excellent service and the most competitive rates. As one of most Valued merchants, you, too, can expect to receive the finest, most reliable service available. We look forward to many years of growth with you. We are the single source for all of your electronic processing needs: gift & loyalty cards, electronic checks, & PIN Debit in additional to all major credit cards. We offer online access to your merchant account activity, and you will be able to view the transactions of one location or of the entire chain. Please take a minute to look over the contents of this brochure. We look forward to answering any questions you might have. Call us Today: 888.668.2650 Visit us at: Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
We combine all the electronic payment options you want with the reliable service you deserve! Merchant Financial Services is a registered ISO/MSP of Visa and MasterCard. We offer one of the most comprehensive packages of products and services available from a single source. We enhance point-of-sale transactions by offering all types of payment options: Credit, Debit, Electronic Check Processing, and Gift & Loyalty card programs. Quick Authorizations Low Interchange Rates Reduced Fraud Reduced Chargebacks Increased Cash Flow Increased Profitability Our competitively priced systems can be used independently or in conjunction with your system. We provide authorizations 24 hours a day, 7 days a week. We offer easy to use dial-up terminals, PC or Internet credit card products for retail, mail order/telephone order and Internet businesses. We have multiple ecommerce & wireless solutions. Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs Page 3
SERVICE We believe that excellent customer service is a path, not a destination. It is something that must be focused on and reevaluated daily to stay on the right track. Excellent customer service takes long-term commitment to stay in touch with our client s needs and to be prepared to help them with those needs. INTEGRITY Often in business, integrity is challenged by the quest for profit. Doing the right thing is not always the most profitable thing. Integrity is knowing what the right thing to do is and then doing it. TEAMWORK We believe in the Power of One, different people with different backgrounds and different ideals joining together to make one team. Varied backgrounds and experiences make it possible for us to understand and help more of our customers on a level that is comfortable for them. COMMITMENT All of the employees at Merchant Services Network have committed to take ownership of every client who calls our office with a question or concern. When there is an issue for a merchant or an agent bank, that issue is ours to resolve, and we will not rest until a resolution is reached. Merchant Financial Services is not the only company that has published its core values to its clients and prospective clients, but we continue to do so because we continue to take them seriously. We established our core values with the input of all employees at the Corporate office a few years back. In our business we are guardians of private personal information required by the banking industry. We must never waiver from the trust of our clients & we must be diligent in guarding their privacy. HONESTY Telling a client the whole truth and nothing but the truth is not always the easiest way to handle an issue. However, we are committed to honesty in our business dealings all of the time, not just when it is convenient. Page 4 One Source for All Your Processing Needs!
Service after the Sale In-house programmers and technicians Same day or next morning call backs on all issues Service is a central part of our core values Excellent on-line reports available One source for all processing needs Easy to read merchant statements Reduced fraud and chargebacks Client specific service team available Enhanced reporting services Multiple fee structures At Merchant Financial Services, we put service in our name for a reason. Solving everyday problems is a vital part of our company philosophy. We believe the true test of a business relationship is not when everything is perfect, it s when something unexpected happens. Therefore, we offer our merchants a team of trained technicians to assist them with the unexpected. Most phone calls to the Help Desk will be resolved instantly. If an issue requires research, Merchant Financial Services is committed to calling the merchant with an update or a resolution before 1:00 p.m. the following day. Improved cash flow with reduced settlement time Chained reporting for multi-store locations Customized terminal application programming Toll-free technical support with live technicians and customer support representatives 24 hours a day / 7 days a week / 365 days a year Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs! Page 5
Every merchant is unique. At Merchant Financial Services, we know that accepting credit cards is different in a doctor s office than in a restaurant, and it is just as important for a traveling sales or service person to have a convenient way to accept payment as it is for a large hotel. We know that it is important to understand the way business is conducted so that we can help our clients conduct it more efficiently and economically. There is more to accepting a credit card than swiping it through a terminal. The Associations (Visa & MasterCard) issue their rates to banks on a regular basis. These rates are know as Interchange and the way a transaction clears Interchange affects the cost of accepting that credit card for payment. If a transaction does not clear Interchange as anticipated, it can easily end up costing the merchant twice as much. We can counsel you on how to optimize the way you accept credit card transactions to keep your costs low. We look at your business as the unique entity it is, and we will make sure you understand the reason we make a recommendation to set it up in a certain way. With a little careful planning, we can optimize your choices and minimize your costs. Don t forget to Insure your Equipment with our Gold Benefits Package! Silver Benefits Package No Maintenance Fees No Customer Service Fees No Paper & Ribbon Fees Gold Benefits Package No Maintenance Fees No Customer Service Fees No Paper & Ribbon Fees 24 Hour Account Funding Lifetime Equipment Replacement Warranty* * Please refer to Terms & Conditions for program requirements and restrictions Page 6 One Source for All Your Processing Needs! Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
Recurring ACH Debit Program Merchants can automatically debit their customer s checking account on a regular basis. Recurring transactions will be initiated automatically Free detailed 24x7 online reporting of all activity Low discount percentage, usually expensive than accepting credit cards Banking fees and paper check handling costs are eliminated No software or terminal to buy Transactions on auto-pilot Recurring Debit (RDS): This service is tailored for merchants like health clubs, tanning salons, insurance companies, internet service providers, day care companies, self storage companies, mail box rental companies and more. With Recurring Debit Service, here s how easy it could be: 1. Get written authorization at beginning of contract 2. Enter customer into your Recurring Debit Service 3. On the same day each month, the same payment amount is debited from your customer s bank account. Merchant will input and manage transactions on the web 4. Five days later, it is deposited in your merchant account 5. Your Accounting Department is relieved from invoicing & making trips to the bank to deposit checks Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs! Page 7
Fast - Convenient - Affordable No Signature Required Retailers with small average tickets now have a better choice for payment than Cash Only. Both MasterCard and Visa have programs aimed at these Industries where the speed of the transaction and convenience are critical to the sale. Basically anywhere a line would form to issue payment directly to a cashier a credit card can now be accepted with no signature and no customer receipt requirement. The average time to process a no signature credit transaction is 7 seconds very few cashiers can make change as quickly. Fast food restaurants now account for nearly 40% of the $330 Billion in Restaurant Volume and most will dramatically increase their volume along with their average ticket by adding credit acceptance to their menu! QSR Program Benefits: 25-30% Increase in average ticket vs cash Defend against competition Attract new customer segments (non-cash consumers) Added customer convenience Improved transaction speed faster than cash Drive through solutions Credit debit acceptance builds platform for future gift card acceptance Page 8 One Source for All Your Processing Needs! Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
Loyalty Gift Cards Loyalty Cards Edge the competition by keeping your current customers loyal and making your company more visible in a competitive marketplace. Reward your customers in a way that makes sense for your business. This is a custom program, so you are the architect of how it will work... Boosts shopping frequency Links customer data with card Tracks dollars spent Increases store traffic & sales Identifies loyal customers Data mining via web interface Food Personal Electronics Other Decor Flowers Jewelry Toys Clothing Books CD/ DVD s Gift Cards 13% 2005 Holiday Gift Spending Conducted for NRF by BIGresearch, 11/05. 7128 respondents. Gift Card Programs The success of gift cards in the electronic payment arena is amazing. Their use is no longer restricted to the large department store and bookstore chains. Thanks to the Gift Card program, any merchant can offer personalized or custom, re-loadable gift cards to their customers and reap the financial benefits for their bottom line. The Gift Card is a versatile product for any business type. Whether you have one location or hundreds, we have a gift card program that will fit perfectly. Gift cards are more than a gift they are also an inexpensive vehicle for electronic payment, they are a fabulous way to increase your average ticket, they will bring you new customers and they keep established customers coming back. Replaces paper gift certificates and punch cards Makes tracking electronic instead of manual, thus simplifying accounting Increases prepaid gift sales Prolongs holiday spending Keeps full cash value in your store Perfect vehicle to replace cash refunds on returned merchandise Makes shoppers less price sensitive Establishes your location as a destination Builds Customer Loyalty, Traffic & Sales Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs! Page 9
Pass-Through Interchange P THANK YOu for the opportunity to earn your credit card processing business. All of our merchants expect & receive excellent service and the most competitive pricing around. Your rate structure will be based on published Visa & MasterCard Interchange rates, including dues and assessments. We know that as a large management company, your average ticket will vary with the various properties / products; therefore, with Interchange pricing, your transactions will always clear Interchange at the qualified level for that transaction. Upon your request we will provide you with the published rates for all levels of Interchange for both Visa & MasterCard. You might want to utilize our online reporting service. All locations can be chained together so you can check transactions from any batch on any and all of your locations. We will be happy to complete a full analysis of your current processing services. We will show you all the areas where we will be able to save you money, and give you tips on training your sales team to be more efficient and avoid costly errors when accepting electronic payment options. Page 10 One Source for All Your Processing Needs! Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
ass-through Interchange the World Wide Market Merchant Financial Services is the partner you need to safely accept credit cards and electronic checks over the Internet. Whether you have a fully functional website with shopping cart integration or you just want to use the Internet as your virtual terminal, partner with a progressive merchant service provider like Merchant Services Network to keep you abreast of new developments and technologies. Software Payment Gateways & Virtual Terminals An Internet Payment Gateway allows you to fully integrate your website for automated credit and check acceptance on the Internet. With the use of a shopping cart, your website can process, authorize, capture and confirm selection, payment and shipping information. But a Payment Gateway is also an inexpensive solution to your virtual terminal needs if you don t have an interactive website, and it can be accessed from any computer terminal with Internet access. All transactions are verified by email, and more than one operator can access it at once. We have a fantastic Payment Gateway, so contact us for more information. Business conducted over the Internet is the single fastest way to expand your market share. Software, like PC Charge turns a PC into a virtual credit card terminal. Adding a Mini Wedge to swipe the credit cards yields rates comparable to a terminal. Each computer must be licensed separately, but the absence of a monthly gateway fee makes PC Charge an economical choice for many merchants. Both the Internet Payment Gateway and PC Charge can be used for recurring billing and for acceptance of electronic checks. Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs! Page 11
We Have the Tools, You Provide the Spark. As you see, Merchant Financial Services provides a wide range of services and programs that give you the freedom to customize a solution for any kind of merchant. We work with you to tailor packages that will give you the edge over your competition to win the account. Both of us prosper when clients get the programs they need to become successful. Combine Our Services into the Perfect Package for Virtually Any Merchant Sample Merchant Types* Credit/Debit Convet-A-check Recurring Debit Gift Cards Loyalty Cards EBT Fleet Card ecommerce Virtual Terminal Small Ticket MymobileMerchant Gas Stations Air Conditioning Repairmen Dental Offices Corner Delis Country Clubs Family Restaurants Bus Companies Amusement Parks Web Based Specialty Stores Personal Trainers Department Stores Hotels Farmer s Markets Auto Mechanics * Theses are just sample configurations, based on standard assumptions of the needs of theses merchants. You are able to establish any combination that will work best for your client or potential client. Page 12 One Source for All Your Processing Needs! Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
Equipment Merchant Financial Services offers and supports state of the art Point-of-Sale terminals from top manufacturers in the industry. Additionally, we support most computer based virtual terminal software and Internet payment gateways. We maintain a position on the leading edge of technology to offer our clients the most efficient, cost effective ways of transacting business. We also steadfastly support our clients who have found what works for them and don t need to change. Merchant Financial Services offers and supports the Quality Point-of-Sale Terminals and Equipment from: Wireless Solutions Is your business really on the go? Are phone lines and computer cords tying your business down? Consider the ways that wireless technology can benefit your company. Merchant Financial Services offers a wide range of wireless solutions for any size merchant. There has never been a better time to switch to a more efficient and profitable future. Completely self sufficient wireless terminals that have almost go anywhere capability With GPRS, wireless service is as reliable as cell phone service Swiped rates with very fast authorizations and approvals almost anywhere Low priced options for merchants looking for the most economical means of doing business on the road or at a trade show Free Technical Support for all of our wireless terminals Lifetime replacement policy available for every unit * Integrate a web ready PDA or a web enabled mobile phone into a virtual terminal * With Gold Benefits Package Call us Today: 888.668.2650 Merchant Financial Services One Source for All Your Processing Needs! Page 13
Q: How do I apply for a merchant account? If you have Internet access you can fill out a mini application online at www. msnps.com, or call toll-free 888-668- 2650, and ask for a sales representative. It takes about 15 minutes for the two of you to complete the application. Q: Once I apply, how long before I can start processing credit cards? After the application is completed, it is usually only 24-72 hours before a merchant is processing transactions, depending on equipment options. Q: How does money get into my bank account, and how long does it take? Money is deposited into your account via the ACH process. In most cases it will be transferred to your bank within 48-72 hours. Individual banks vary as to the time of day your deposit will be posted to your account. Q: If I already have a terminal, do I need to buy a new one? Not necessarily. Often we can reprogram an existing piece of equipment. But if your existing equipment is no longer compliant with Visa & MasterCard requirements for secure transactions, you may need to upgrade. Q: Can I process credit cards through the Internet? Yes. You can use the Internet to process your credit card transactions even if you do not have a fully integrated website. Q: Do I need to open a special bank account? No. If your business account allows Automated Clearing House (ACH) transactions for both debits and credits, it will work fine. If you are a Sole Proprietor, your bank may allow you to use a personal checking account. If you need to open a new business checking account, be sure to ask the bank for a new account letter on their letterhead that names the owner of the account and states that it has the ability for both debiting and crediting ACH transactions. Q: What if I need help? Merchant Financial Services has a toll-free customer support line to answer all of your questions. You can reach technical support 24 hours a day, 365 days a year. Q: What if my machine breaks? Most of the time the technical issues with terminals that come through the help desk can be handled over the phone. If your machine is actually not able to function and needs to be replaced, Merchant Financial Services offers its merchants a Benefits Package with a lifetime equipment replacement policy. Q: Can I check my merchant account activity online? Yes. Merchant Financial Services offers an interactive website called www. mymerchantinfo.com, which allows you to see all of your batches and transactions about 24 hours after they have been processed. Page 14 One Source for All Your Processing Needs! Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE
What are the 3 Keys to Growing Your Business? 1. Increase Your Customer Base According to an Associated Press story, dated January 16,2006 young consumers have totally adapted to payment by plastic. In fact, the generation of young adults born in the 1980 s have been dubbed Gen P (Generation Plastic). Plastic payments, including online commerce, now account for more than 50% of the spending among consumers ranging from 18 to 24 years of age. Cash and checks make up less than 42% of their spending. I get so annoyed when I go into a place that only takes cash that usually I end up going somewhere else. Erica Jostedt, 24, of San Francisco, CA Don t miss out on this group of consumers! 2. Increase Customer Purchase Frequency If a customer wants to buy a $5.00 slice of pizza and a beverage, teach your sales people to accept it gladly, and try to sell the customer a gift card to be used on future lunches. Not only does the average ticket on that sale increase, but you also have guaranteed return visits from that customer. The cost of accepting gift cards (pre-paid debit cards) is negligible and the fact that they can include your own branding; it s like putting a billboard for your store in their pocket. Gift and Loyalty cards increase the frequency of visits by your customer base 3. Increase Your Average Ticket Industries with small average tickets often shy away from electronic payment. They think it is too expensive, but they may be overlooking the key to increasing their bottom line. Statistically, accepting credit cards and debit cards increases your average ticket. Consumers are less price sensitive than when restricted to cash Capitalize on All 3 Integrate the electronic payment options available from Merchant Services Network: Call Us Today to Get Started: 888-668-2650 Accept Credit Cards Accept Signature Debit Accept Pin Debit Accept Checks Accept Gift & Loyalty Cards Merchant Financial Services One Source for All Your Processing Needs! Page 15
One Source for All Your Processing Needs! Call Us Today to Get Started: 888.668.2650 Visit us at: Merchant Financial Services, A Registered ISO/MSP of First National Bank of Omaha, Omaha, NE