CREDIT CARD PROCESSING
These days it is simple to begin taking credit cards for your business in order to improve your sales. We offer processing for retailers and non-retailers.

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ONLINE DEBIT CARD ACCEPTANCE
Debit card transactions at the merchant POS are on the rise, currently accounting for 35% of all card-based transactions and forecasted to reach 51% by 2010. Debit card spending is forecasted to rise from $313 billion in 2000 to over $1.2 trillion by 2010. Although over 5 million locations can accept off-line debit cards, only 1.3 million are currently equipped with a PIN-entry device for PIN-based transactions. We take pride in our ability to reduce a merchant's interchange costs by providing solutions that can accept a variety of card-based payments.

EBT
Electronic Benefit Transfer (EBT) is an electronic system that allows a recipient to authorize transfer of their government benefits from a Federal account to a retailer account to pay for products received. EBT is currently being used in many States to issue food stamp and other benefits. Nearly 85 percent of food stamp benefits are currently being issued by EBT. With the automation of EBT transactions mandated by many states, merchants are looking to the industry leaders for solutions that integrate EBT requirements with credit and debit processing solutions. Although over 5 million locations can accept off-line debit cards, only 1.3 million are currently equipped with a PIN-entry device for PIN-based transactions, including online debit and electronic benefits transfer (EBT).

Electronic Check Conversion
Now merchants can take advantage of e-commerce to increase employee productivity and to improve customer service. CFS Electronic Check Conversion (ECC) converts a traditional paper check into an electronic item at the point-of-sale and processes it through the Federal Reserve's Automated Clearing House (ACH).

ECC saves time and money while reducing the risks of returned checks. A check is now as hassle-free as a credit card transaction. It's more efficient and secure, and it lets merchants focus more on their business and taking care of their customers.

Check Recovery, Verification and/or Guarantee
Check Recovery: We offer this service that will collect on your NSF checks. You will receive 100% of the collected value at no cost to you.

Check Verification:
The Check Verification and Check Acceptance systems provide state of the art programs to identify good check writers quickly. Check Verification offers a low-cost solution to loss prevention through features such as positive and negative check writing history, velocity tracking (number of checks written to all merchants in a specific time frame) and bank-provided closed account information.

The extensive risk management database with check verification will enable the merchant to increase sales, provide for a more flexible check acceptance policy and increase customer satisfaction.

Check Guarantee
The Check Guarantee program works on a check written on any U.S. Federal Reserve bank. In other words, checks can be guaranteed (given authorization through Check Verification) on a check from any state in the continental United States, Alaska, Hawaii, Puerto Rico, and Guam.

At the point-of-sale (POS), a customer writes a check to the merchant for a purchase. Using a POS terminal, the check MICR is transmitted for comparison to a national database of checking account information to ascertain if that check appears to be at a risk to be returned (like traditional Check Verification). If the check is approved, the transaction is complete. If it is declined, alternate payment can be made, or the transaction can be voided completely. Since that check was approved and was guaranteed, in the event that the check is returned, the merchant is still paid the face value of the check. In other words, the Guarantee service insures that merchants will receive their money no matter what, given that the merchants followed the proper processes in submitting the checks to the Guarantee processor.

Secure Real-Time Internet Credit Card Transaction Processing
eProcessingNetwork.com is helping merchants realize unlimited business opportunities and profits with the continued expansion of the Internet marketplace, enabling merchants with an Internet presence to process online credit card transactions automatically and in real-time, using a secure Web page accessed directly from the merchant’s existing Web site. The latest, most sophisticated digital encryption is used to transmit information between the customer’s browser and the eProcessingNetwork Secure Credit Card Transaction Processing Server. Direct communication lines are used to obtain real-time authorizations from the processor. Plus, merchants get the added convenience of having funds directly deposited to their bank account.

Secure order forms are tailored to match the design of the merchant’s Web pages and automatic e-mail messages are sent to the merchant, as well as the cardholder, confirming each transaction. Real-time communication between eProcessingNetwork and the processor helps ensure the accuracy and validity of each transaction.

Address Verification and Card Verification Value (CVV2) Services are performed to reduce the chance of fraud and charge-backs. Open batches are automatically closed daily so merchants no longer need to purchase additional software to reconcile their transactions. Merchants can limit the number of times a customer can attempt a transaction, and can configure their eProcessingNetwork account to accept transactions only if the customers' AVS and CVV2 data was entered correctly. More information on Online Credit Card Processing >>

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