CREDIT CARD PROCESSING

Paymentech Solutions International offers a complete suite of payments processing services aimed to the needs of the retailers, restaurants and other industries. We accept all major credit and debit cards in the industry which includes:

Visa
Master Card
Discover
American Express
JCB
Diners Cards

Benefits:

Fully Disclosed Fees and Agreement contract terms
Simple and clear monthly statements
No Hidden Fees
24-7-365 access to online reporting
Fraud monitoring
Best rates in the industry

DEBIT CARD PROCESSING

In today’s world more and more consumers prefer using debit cards over other method of payments. Debit card transaction is instantaneous debited from your checking account and the consumer can keep a close track of his daily balance. Statements are itemized with the location and time of the debit card transaction. Most debit cards double as ATM cards. The consumer uses his checking account instead of adding to his credit card debt. Accepting debit cards gives you the edge.

We can set you up to accept debit cards through all of these networks throughout the United States:

InterLink®
Maestro®
Explore®
CashStation®
PulsePay®
Honor®
MAC®
NYCE®
Accel®
TYME®
BankMate®
Shazam®
MagicLine®

CHECK SERVICES

Check Guarantee is a program in which the merchant is guaranteed to be paid on the checks. It is a type of insurance provided to merchants. A fee is charged to the merchant in exchange for the service of paying the merchant on any checks that are returned.

How Check Guarantee works is each check that you accept is verified. The check guarantee company lets you know whether the check writer has any outstanding unpaid bad checks. This is completed by running the check through a check reader or keying the check information and/or check writer into a terminal. If it shows that there are no outstanding checks in the system, the check guarantee company issues approval or an authorization number which means you are guaranteed payment for that particular check. You are also responsible for getting certain information about the check writer such as driver's license number and phone numbers.

With more than 18 million checks presented each year at retail locations it is important to give your customers their choice of payment. In today’s economy. Having a check guarantee program is an important means of minimizing risk.

Check guarantee is a benefit to any retail-type business that accepts checks. If your business cannot afford check losses, you will want to consider getting the check guarantee solution.

Benefits of Paymentech Solutions Merchant Processing check guarantee program:

Online reporting
Liberal check acceptance policy®
Stop payment coverage
State of the art check reader that can automate the verification process

ATM SERVICES

Paymentech Solutions Merchant Processing provides comprehensive ATM services and high-quality ATM products to independent merchants and small business owners across the nation.

We offer financial institutions and ATM providers a wide selection of services that lets them design the ATM program that best meets their needs. From the issuer side to the acquirer side, we can provide:

Cost effective processing

Communications for lease line and dialup ATMs

Authorizations (on-line or positive balance file)

Card production and management with instant issue features

Charge back/retrieval processing

ATM monitoring and dispatch

ATM maintenance, first and second line

Cash management and replenishment services

Network access (Cirrus, Plus, Pulse, Star, and others)

Reporting and management information services

Customer service

"Back office" accounting for merchant payments and statements

GIFT CARD PROGRAM

Gift cards processing have done more than revolutionize the practice of gift giving. They redefine how consumers shop, employers motivate, parents manage spending and retailers boost sales. Search our archive of articles describing the latest and greatest news, trends and retail innovations.

DID YOU KNOW? The average value of gift cards purchased in the past year is $40, a fairly steady level for the past three years.

How the Gift Card Process Works for You and Your Customers

Put the power of the most popular gift cards to work in your stores today. Brand name gift cards from high quality retailers combined with instant activation, zero cost inventory and outstanding support are just a swipe away. Our gift cards are activated, verified and tracked through your existing credit card terminal, resulting in a fast and simple sales process:

Customer presents card for purchase
You swipe the card in your existing POS terminal or scan the card
Information is transmitted for validation
relays transaction to partner gift card processor who authorizes or denies the transaction
If approved, the gift card processor or activates the card for the dollar amount
Your retail customer is ready to roll

Once the purchase is complete, we handle the time-consuming but essential back-end processes:

Updates card inventory record and uses existing settlement
Procedures for gift card settlement
Creates a settlement file of all funds payable to us from your locations
Sends an ACH to your bank for funds due
Reconciles with you and each gift card partner

With expertise in channel categories and retail distribution, along with a dedicated account management and field support staff, we offer the most comprehensive gift card solutions available. You choose the cards; we do the rest.

CASH ADVANCE PROGRAM

Do You Need Money to Grow Your Business?

If yes, we can offer you a cash advance up to $250,000 that can be used for expansion, equipment purchase, promotion, etc. If no, not now, then wouldn’t it be wise to set up an emergency system that provides you with an immediate cash advance when the time comes where you need it?

Paymentech Solutions Merchant Processing is not a bank, and our cash advances are not bank loans. Our program is a patent-pending financial process that focuses on future credit card transaction revenue as a repayment vehicle. Our sole objective is to provide you with working capital, quickly and easily, that will help you to achieve your business growth objectives plus avoid the hassles and indignities that accompany bank loan applications.

Even if you do not need the money right now, you can’t predict the future.

Difference between Conventional Loan and Cash Advance

Conventional Loan	Cash Advance
Detailed Financial Statements for 2-3 years	Financial statements not required
Audited Tax Returns for 2-3 years	Audited Tax Returns not required
Must be in business for a minimum of 2-3 years	Must be in business 9 months or less*
Personal Guarantees of all owners	Guarantee against fraud or intervention**
Lengthily Approval Process	48 hours for approval
Costly Application Fees	No application fees
High Credit Scores Required	Proprietary Scoring system does not require high credit scores
Costly Closing Cost	Only your future credit card sales
Collateral of all business Assets	2 pages basic application and copy of last four months credit card processing statements.
Complicated Application	Repayment based only on current sales.

Business Cash Advance

Applying for a business cash advance from Paymentech Solutions Merchant Processing is easy and quick. The application is two pages and can be faxed or e-mailed directly back to us. You will know within 48 hours if you’ve been approved.

To qualify:

Your monthly VISA/MasterCard revenue must exceed $5000.00
You have no prior unresolved bankruptcies
You have been in business for at least 12 months

Business Cash Advance Repayment
Repayment for your cash advance is based upon your future swiped VISA/MasterCard credit card transactions. A monthly percentage of these future sales is used as the determining factor for repayment. There are no bank loan repayment statements, no fixed monthly payments, and no penalties for late payments. Repayment occurs automatically and follows your business revenue flow. We base our success on the success you achieve as a result of our cash advance to you. We’re putting our money on you and your ability to make the best use of it.