Payment Solutions

Merchant Accounts

Phone & Mobil Merchant accounts

It’s the complete payment solution that transforms your iPhone™ into a secure payment portal. With VeriFone’s PAYware Mobile, you’ll never miss a sale. Simply swipe a card, capture a signature and enjoy the convenience of accepting card payments wherever, whenever. With PAYware Mobile, not only do you have the ultimate in convenience, you have the ultimate in security. In addition, the app-plus-card encryption sleeve combination helps lower your processing costs.

Simple and Secure

Protects customer data and greatly reduces risk from fraud
Snap on the ergonomic card encryption sleeve in a jiffy
Built-in stylus is always at your fingertips
Makes signature capture easy and instantly emails receipts

The Ultimate Convenience

Accommodates the many customers who want to pay with credit cards
Helps you save on the cost of accepting credit cards
Speeds transactions and eliminates manual-entry errors by swiping cards
Reduces cash, decreasing risk of theft and simplifying cash-handling and reconciliation

Internet Merchant account

ONLINE

e-commerce solution enables you to easily and securely accept and process all credit cards — Visa®, MasterCard®, Discover® Network, American Express® — from your website. Secure real-time transaction processing and advanced risk management tools protect your online business from fraud. And because you’ll have a direct connection to our powerful and reliable processing network, you can eliminate the costs and complexities of dealing with a third-party gateway provider

Versatile & Flexible

Supports a number of flexible integration options to meet the unique needs of your business
Integrates “buy button” functionality easily and affordably with your shopping cart to securely process e-commerce transactions
Supports both hosted and XML direct integration methods. Our flexible application programming interface (API) is compatible with most leading shopping cart providers and carries no development or certification fees
Compatible with a variety of shopping carts
Processes recurring payments for subscription-based services or other products for which you bill your customers weekly, onthly or quarterly
Provides instant email notification when sales occur. Transaction details can even be exported to your customer database for inventory purposes, sales analysis or order tracking
Supports a virtual terminal portal for entry of mail order/telephone order transactions and manual adjustments

Efficient & Cost Effective

Free integration support, compliance assistance and comprehensive certification process ensures your site is up and running quickly
Direct connection to Exclusive Payment Service's processing network eliminates third-party gateway fees
Real-time processing helps customers complete the checkout process in seconds

Powerful, Secure Transaction Processing

Protects your business and your customers’ data with advanced encryption technology, security features and fraud detection resources
Complies with the Payment Card Industry’s Data Security Standards (PCI DSS) for the transmission, processing and storage of credit card data
Supports card security codes to confirm each buyer has physical possession of a card when conducting a transaction
Supports Verified by Visa and MasterCard SecureCode fraud protection plugins that protect your business from losses due to chargebacks
Blocks orders from fraudsters and hackers attempting to harm your business so that you can ensure that only valid orders are being processed

Restaurant & Retail Merchant account

Delivering Robust Solutions for Retailers

The payments landscape for retailers is increasingly complex. Consumers demand acceptance for a variety of payment types. The cost of card and check processing are on the rise. PCI compliance and data security are major priorities. And the system resources necessary to keep up with thechanges are limited. Elavon brings more than 20 years’ experience in global processing networks and gateway technology to deliver robust and flexible payment software and gateway solutions to help retailers, ISPs and VARs stay ahead of changing industry dynamics. Elavon’s solutions are flexible to meet the needs of a variety of POS configurations, in-store environments and connectivity options. Retailers can choose the elements that deliver the most value across their enterprise.

Manage POS Payments Securely at Store Level

Store™ is Elavon’s store-level payment software for Multi-lane, Specialty, Grocery, Pharmacy and C-Store retailers. It consists of a suite of modular applications that securely and efficiently manage the payments process within the store environment. An API interface to the POS system minimizes the integration effort while allowing you to respond quickly to changing industry regulations. Additionally, the solution has the ability to securely capture and mask card data to prevent it from entering the POS, mitigating risk and some of the overhead associated with managing and maintaining PCI compliance. Security access, transaction routing and reporting options are tailored to meet your needs. Elavon supports interfaces with all the major PIN pads and POS systems, including IBM, NCR and Fujitsu.

Elavon provides advanced BIN file management solutions that allow you to maximize PIN-based debit transactions to reduce costs and keep lines moving. The identification of debit cards is automated, removing any guess-work from the consumer or cashier. The solution can be sold as part of Store, or can integrate with your existing in-store processor.

Signia™ is a powerful electronic journal, signature capture and receipt management system that provides extensive, assisted response flexibility for chargeback management. Signia creates a paperless merchant copy of the receipt, which reduces the costs and labor associated with receipt handling and storage. It can be installed alone, or as part of Elavon’s end-to-end payment processing solution.

Payment Processing Across Your Enterprise

Enterprise™ is a retailer- or Elavon-hosted payment switch that allows you to bring processing in-house and lower the costs of card acceptance. This robust system manages all authorization and settlement activities to provide efficient routing of credit, debit, electronic check, gift, and EBT transactions directly to the processing networks. It can even host your organization’s negative check files, further reducing the risk and costs associated with check acceptance, while ensuring that the data is protected in a secure PCI-compliant data center.

Flexible Solutions Suited to Your Business

Elavon’s entire focus is on the delivery of reliable and secure solutions to help retailers of all types better manage payment processing costs, stay compliant, and remain competitive.

Reliable and secure processing for all types of payments: credit and debit cards, EBT, prepaid/gift cards and check verification/guarantee/conversion
BIN file matching maximizes PIN-based debit transactions, reducing costs
A hosted electronic journal, signature capture and receipt management solution reduces the time and costs associated with chargebacks and retrievals
Elavon’s Electronic Check Service (ECS) conveniently and cost-effectively converts checks into electronic transactions at the POS — reducing handling costs and speeding access to funds
Comprehensive reporting solutions help manage payment activity across your enterprise
Backing from our experienced and knowledgeable Support and Service teams extends peace of mind

Hotel & Hospitality Merchant Account

Book Better Payment Options

The hospitality, travel, tour, and entertainment (T&E) industry is highly competitive, leveraging service as the key differentiator among competitors. Retain your competitive edge by focusing on the perational concerns that equate to overall customer satisfaction and brand loyalty by letting Elavon manage payment processing for you. Elavon can streamline the entire payment process across your enterprise with the industry’s only tailored solutions that maximize your operational and financial efficiencies. Elavon’s cost-saving products and solutions and unequaled service and support complement your needs. If you’re looking to take your business places, book with Elavon today.

Smarter Payment Solutions

All payment solutions are not created equal. What works well for grocery or department stores cannot begin to meet the diverse needs of highly specialized organizations found in the hospitality and T&E industries. Having a significant global presence, coupled with a need to process payments across multiple entities, creates unique challenges that require specialized solutions. Hotel groups may manage a variety of flags with hundreds or even thousands of properties under the same umbrella. Destination resorts accept payments from point-of-sale (POS) locations across a single property – at the front lobby, various restaurants, retail shops, a spa, golf course, rentals vendor, ticket office, even on a casino floor. Each of these entities may rely on a different property management or POS system for accepting card- and check-based payments, creating a disparate acceptance environment.

Realize the Savings

Imagine the operational and financial efficiencies you could create by consolidating the payments process, whether across multiple points of service at a single property or throughout your entire enterprise. Elavon delivers far more than any other payments provider. Elavon’s tailored solutions package for hospitality and T&E businesses provides everything you need to consolidate the payments process, maximize efficiencies and realize the bottom-line benefit of smarter payment solutions. We even provide multi-currency processing to enable global commerce benefits for your business.

Flexibile, Secure & Easy-to-Use

Elavon’s innovative payment solutions interface seamlessly with the vast majority of property management systems used by major hotel groups, as well as POS systems used by restaurants or retail shops, and individual countertop terminals. And, in addition to the flexibility you receive to handle a growing volume of payments efficiently and securely across your enterprise, you also can rely on Elavon’s solutions to meet the latest payment industry standards and financial regulatory requirements, such as PCI-PED, PCI-DSS and Sarbanes-Oxley.

A World of Reasons to Choose EPS

Elavon and EPS is committed to providing you a world of services anywhere you do business. Elavon’s products and services provide you the agility you need to keep pace on a constantly changing world stage. Whether you do business in a handful or a hundred markets worldwide, robust and secure international processing platform and ultra-reliable network deliver payment solutions and services with unsurpassed security and dependability. Elavon maintains operations centers in Europe and North America, staffed by multilingual professionals, to provide voice authorization and customer service assistance – regardless of when your business day starts and ends. Elavon knows that if you run a global enterprise in the hospitality, travel or entertainment industry the sun never sets on your business, and we never leave you in the dark.

Gas Stations & Petro Sales

EPS Fuel Program and Fleet terminal allows retail petroleum and auto service locations to accept fleet, credit, debit and gift cards through one easy-to-use point-of-sale solution. Elavon’s program has connectivity to all Fleet Issuers. The terminal captures item detail such as mileage, fuel price and item description, helping manage expenses related to Fleet transactions.

Simple To Use & Easy To Learn

35-key keyboard allows one-step initiation of all daily functions and transaction types
Extra large back-lit graphics display
Six convenient soft keys for easy menu selection

Efficient & Safe

Sureload drop-in thermal printer provides fast, quiet receipt delivery and eliminates paper jams
Large paper cradle means longer paper rolls, resulting in fewer paper changes
Small footprint preserves precious counter space
Secure PIN pad supports the latest security protections including DUKPT and triple DES and Master Key/Session Key encryption, ensuring all PIN-based transactions are in compliance and processed safely

Flexible & Powerful

Supports acceptance of Voyager®, Wright Express®, Visa® and MasterCard® fleet cards
Handles multiple payment types including fleet, credit, debit, Electronic Gift Cards and Electronic Check Service
Supports the transmission of required Level III fleet data elements, including odometer reading, net fuel price, type of service, item quantity and more

Business to Business

Accepting Purchasing Cards

If your company sells goods and services to corporations or government agencies, you probably already accept or have been asked to accept purchasing cards. These are specialized credit cards issued to employees who are authorized to make purchases on behalf of their organization.

Purchasing card transaction payments are priced differently than consumer credit card transactions.

Business-to-Business (B2B) payment card processing is very different than processing for consumer cards and the savings opportunities are significant. EPS specializes in B2B Level-3 processing and routinely assists its clients in substantially reducing card fees through better interchange qualification. The key to qualifying for the best rates for B2B and Business-to-Government (B2G) card payments requires including line item detail or “Level-3” information. Level-3 information provides descriptive detail about the items sold such as Item Part Number, Item Description, Quantity, Unit of Measure, Price and more.

Focus on Total Cost

When accepting card payments from large businesses or government entities, you need an easy-to-use solution that is specifically designed to provide the best processing rates. But there is more. Companies today have to address multiple issues regarding their payment processing – a Total Cost view encompasses these requirements.

Data Security Compliance and Risk Mitigation: Compliance with the Payment Card Industry Data Security Standards (PCI DSS) is mandatory and can be costly if not done correctly.

Card Fee and Interchange Management: “Interchange” rates are set by Visa® and MasterCard® and comprise the majority of your total card processing fees. Interchange is the single most important cost element to manage.

Operations Improvement: Costs to support inefficient payment processes, distributed software, updates, telecom connections, obsolete terminal/PC-based card processing systems and back office reconciliation processes can sap time and money.

3Delta Systems offers card payment solutions that are secure, scalable and easy to implement. EPS services are designed to help our clients’ profitability by providing the most cost-efficient card processing solution. 3DSI accomplishes this by offering multiple payment interfaces, on-demand real-time reports and transaction management through Webhosted applications. By using a “Software as a Service”

Solutions for All Situations and Company Sizes

EPS will help you select the best service to fit your particular situation and business need. Solutions are delivered through its proprietary electronic payment services and offer three interface options: EC-Zone® lets anyone with a Web browser process credit card payments. It can be used by multiple employees in any number of locations so long as they have an Internet connection. EC-Zone provides full customer and transaction history –including downloadable transaction detail and reports – and is included with all EPS solutions. You can be up and running on EC-Zone in only a few days. EC-Linx® is designed for suppliers using or developing Web commerce applications that require real-time payment processing and authorization. EC-Linx allows host-tohost, real-time credit card authorizations via EPS Internet payment service. It can be integrated directly to your accounting system, Web site or other computer system.010
F: 703.234.6004
www.3DSI.com
EC-Batch® provides a file-based interface for companies that want a batch interface to their internal computer systems. Files are delivered to and from a secure Internet gateway using the FTP or SFTP protocol.

Enhanced Security Option –Simplifies PCI Compliance

Since card security is a major concern for most merchants today, EPS developed CardVault®, an innovative card data storage service. CardVault removes the risk of storing information on internal systems by storing cardholders’ profiles at a remote and secure location. It allows a company to submit their cardholder data to EPS secure payment processing network where it is received and encrypted in EPS database – after which a “key” for that data is returned to the merchant system. Thereafter, the merchant sends its realtime transactions to EPS using the cardholder key, not the actual card number. Off-site card data storage significantly reduces Payment Card Industry (PCI) compliance costs versus holding the data on-premise and promotes streamlined certification.

Implementation, Training and Support

In depth training options are offered to new customers, comprehensive user documentation is available online and EPS Customer Service is available to assist you.

Merchant Services

Credit and Debit Card Payment Processing

Our payment products are supported by the most reliable network in the industry and include credit and debit card processing, electronic check services, gift/loyalty/promotional cards, electronic benefits transfer (EBT), corporate purchasing cards and fleet cards, as well as Dynamic Currency Conversion, multi-currency support, and cross-border acquiring.

We handle every aspect of the acquiring relationship—transaction processing, risk and underwriting, settlement, equipment deployment, chargeback management, reporting, and customer service.

Credit Card transactions: With Exclusive Payment Services, you have one point of contact for authorization, settlement, funding, and support for all your Visa®, MasterCard®, Discover® Network, and American Express® credit or debit card transactions.

Debit Card transactions have become overwhelmingly popular in the past few years. There are two types of debit transactions: PIN (online) and signature (offline). Both deduct funds from the consumer’s checking account.

PIN Debit

With PIN debit, the customer selects "Debit" as the payment method and then after the card is swiped must enter their Personal Identification Number (PIN) into an encrypted pin pad at the point-of-sale (POS) terminal to authenticate their identity. The transaction is transmitted through the electronic funds transfer network and the funds are deducted from the consumer's checking account within seconds.

Signature Debit

With signature debit, the customer selects "Credit" as a payment method because the transaction is transmitted through the Visa or MasterCard networks and provides a signature after the transaction goes through. The funds are then deducted from the consumer's checking account. The only authentication is if the consumer is asked for picture ID. There are good benefits to accepting this form of payment such as:

Fast settlement of funds- the same as credit cards
Reduced chargebacks
Less expensive for merchants than credit (generally)
More secure and fewer fraud losses as compared to signature debit transactions
Ability to make debit purchases over the Internet, phone, by mail or at the POS

Electronic Check Service

With electronic check service (ECS) your paper checks are converted into safe, efficient electronic transactions that are processed with the speed and ease of credit card transactions. Our ECS moves payments electronically from your customer's checking account to your Exclusive Payment Services Merchant Account. Gone are manual check reconciliations, time-consuming trips to the bank, and the hassles of check collections. Accepting checks has never been so convenient and cost-effective. EPS can help you reduce your cost and your risk of paper checks by converting them into electronic transactions. You’ll eliminate reconciliation hassles and you will receive your funds within 24 to 48 hours. Statistics show that checks are the most popular form of payment for both b2b and b2c and the reject period is shorter for checks than credit cards.

Through our processing platform we provide you with the ability to accept both business and personal checks with imaging options to match your operating needs. Our Electronic Check Service supports real-time financial processing for all checks by automatically and systematically leveraging three processing methods:

Direct DDA Access – Reaches more than 30 percent of consumer checking accounts through a real-time debit gateway.
Automated Clearing House (ACH) Processing – Clears checks drawn on non-participating DDA banks through the ACH network.
Check Replacement Document (CRD) Processing – Processes business checks and exception items through the banking system

In addition, we automatically handle the returns process, so you are financially whole throughout the process.

For more information read the whitepaper, "Electronic Checklist: Choosing the Right Electronic Check Solution". http://www.elavon.com/documents/cp_web/ECS_White_Paper.pdf

Pre-paid & Gift Cards

Over $80 billion in gift card sales are expected this year so don’t be left behind. They will increase revenue, generate repeat business, help attract new customers and boost sales all year long. Exclusive Payment Services offers the complete Electronic Gift Card program for you business. You can start with just a few cards or design your own custom program. Either way, we can create an affordable plan that is best for you.

How do Electronic Gift Cards work?

Retains 100% of purchased value.
Integrates seamlessly into your business environment.
Works on all of Exclusive Payment Services’ supported payment terminals and software solutions.
Administration is as easy as regular credit card purchases.

You will Increase Sales & Profits

Most card recipients spend more than the value of their gift card – 25% more on average.
Encourage Repeat Business. Stored value cards are great for regular customers, enabling them to conveniently use a prepaid balance for recurring services.

Popular with customers. Gift cards are consistently one of the top gifts during the holiday season. They also attract new customers and boost sales all year long.

Administrative & Reporting Features

Our Electronic Gift Card program also includes powerful online administration capabilities. You can use the Internet to track card activity, activate multiple cards, transfer card balance and access important reports including:

Daily Transaction Summary – receive a daily report of all stored value cards processed
Monthly Liability Report – check the outstanding balancesof all cards issued
Cardholder Balance Inquiry – allow card holders to check card balances via the telephone

Gift Card Options

Basic Cards: Get started immediately with 50 cards printed with your business name, street address, and phone number on a pre-selected style.

Standard Cards: Choose from an attractive selection of pre-designed card styles.

Add a single color logo or customized text in your choice of font style and color. Order 100 to 1,000 cards and your customers will be loyal in no time.

Custom Cards: Invest in style with custom cards designed by you or with our help. Your custom solution becomes a portable billboard in customers’ wallets and more importantly, the cards can be used for merchandise returns, which means money stays in your store!

Electronic Benefits Transfer (EBT)

Electronic Benefits Transfer (EBT) is a method of electronically accepting and processing government benefit programs,such as Cash Benefits or Food Stamps. Merchants accepting Food Stamps must be an authorized Food Stamp retailer (AFSR), by previously registering with the Food and Consumer Service (FCS) agency of the U.S. Department of Agriculture. EBT transactions are authorized and processed electronically in a “real-time” environment. However, there are cases when transactions cannot be processed due to merchant telecommunications or HOST system failures. In those instances, there is a process that allows for manual processing of Food Stamp transactions so as not to hinder a recipient’s receiving of goods.

Dynamic Currency Conversion

Dynamic Currency Conversion is an essential solution for Merchants with International Clientele

Typically, foreign credit card payments are made in U.S. dollars and converted later to the buyer’s home currency with the cardholder paying a conversion fee to the card issuer. With Dynamic Currency Conversion(DCC) your international customers will know exactly what their total purchase is in their home currency as each receipt shows the purchase in U.S. dollars, the conversion rate, plus the cardholder’s home currency amount. This makes it easier for travelers to reconcile purchases when paying card balances.

DCC Pays You Back

We share the income generated by processing foreign transactions by rebating a percentage of the conversion fees to you on your monthly processing statement. The more international business you do, the more you improve your bottom line. Plus, because the amount on the receipt matches that on the cardholder’s statement, DCC reduces the number of chargebacks due to unrecognized amounts.

QuickBooks®

Simple and Affordable Payment Processing With QuickBooks

SmartPayments™ Plug-in for QuickBooks® allows you to process face-to face and mail-order/telephone-order transactions through an interface within your QuickBooks accounting software. SmartPayments Plug-in for QuickBooks is a software utility that allows you to process credit, check and debit transactions through Elavon’s network. Installation is quick and easy; an intuitive wizard guides you through the process in minutes. By interfacing with QuickBooks, you eliminate duplicate or redundant transaction entries and any need to have expensive stand-alone terminals or software. Best of all, it’s powered by Elavon, the payment network rated #1 by Mastercard® for speed, availability and reliability

Versatile & Easy-to-Use

Works in both physical (face-to-face) or Mail/Phone Order environments
Handles a variety of payment types – credit card, electronic check, PIN-based debit and EBT
Simple to install – you’ll be up and running in minutes
Works with necessary peripherals for retail card swipe, electronic check and PIN-based transactions
Maintains a detailed transaction history so you have access to what you need long after a batch is gone
Relies on a familiar Windows-type interface, making it very easy to navigate

Understanding Cardholder Data Security

PCI Compliance Program Overview

Introduction to PCI

Data security has become a primary consideration for every business that accepts credit and debit cards for the payment of goods or services. To promote the security of the credit and debit card payment systems, the major card brands established the Payment Card Industry Council (PCI) to oversee its Data Security Standards (DSS).

Merchants of all sizes must ensure that cardholder data is protected from a security breach. A typical breach costs a small business merchant $25,000 - $50,000, but can run much higher depending on the number of cards compromised. To protect cardholder data and mitigate financial exposure, it is imperative that all merchants validate and demonstrate PCI-DSS compliance.

EPS PCI Compliance Program takes a comprehensive approach to help your business securely manage cardholder data and ensure compliance, while protecting your reputation and your bottom line. EPS program is focused on three key areas:

Education – materials and information to help you understand PCI-DSS compliance
Validation – tools to help you validate and demonstrate compliance and protect your business
Financial Protection – programs to mitigate your financial exposure should a breach occur

Protection begins the day you start as an Elavon merchant. Please review the materials contained in this pamphlet and you’ll be on your way to establishing a secure processing environment.

Security & Fraud

Security & Fraud Prevention and Protection

Reducing fraud and limiting risk will keep your business strong and help strengthen your customer relationships. The best time to manage risk is before real trouble starts.

At Exclusive Payment Services, we have industry-leading expertise in long term risk management strategies as well as highly customizable solutions to manage credit risk and help detect, prevent and reduce fraud to allow you to protect your business, protect your customers and develop new and profitable customer relationships.

Our merchants are backed by thorough, responsive support with a fraud prevention department that includes 13 managers and 63 Investigative Analysts. In the past, fraud perpetrators have generally gone after larger merchants but are now targeting smaller businesses. Merchants are the frontline of defense when it comes to fraud.

There are a number of things you can do to maximize the security of payments and keep fraudsters at bay. Here are some valuable tips:

Check the signature: Only give the card back to the card holder once you have compared the signatures from your terminal slip with the signature on the card.
Check the signature field: If the surface of the signature field is damaged the card will say “Void” underneath the surface. That card is not valid. Please stop the card payment process.
Compare the embossment data on a credit card with the data from your terminal slip: Do the cardholder’s name, credit card number and expiry date match?
Don’t forget the UV test: Are the typical holograms visible on the credit card, and does your UV device detect the data?
'Card not present' card transactions (e-commerce/mail-order)
Watch for unusual or illogical orders, as well as unusual payment amounts.
Be careful when a customer asks to divide a payment across several credit cards or when several card numbers are associated with a single name.
Be careful if a customer indicates upfront that there might be a problem with the credit card.
Be careful if ordering party insists on shipment as fast as possible, regardless of cost, or if the customer insists on obtaining tracking ID for the delivery carrier.

CUSTOMER SUPPORT

At Exclusive Payment Services what we do for our customers is crucial. We listen. We respond. We resolve. We pride ourselves on delivering timely, accurate and reliable products and services to assist our customers in managing their business.

We are people inspired to make a difference by delivering unparalleled service that goes beyond our customer's expectations.

Our goal for everyone, everywhere, and every time is to achieve quality in every product and service we provide. Our success depends on our ability to listen and implement our ideas for achieving profitability and quality.

We are building a solid foundation of reliable and differentiated products and services that are focused for customer needs.