Linked directly to customer checking accounts, debit cards are one of the fastest growing payment methods today. First Data Independent Sales (FDIS) offers debit processing with signature- or PIN-secured debit cards so customers can access cash, buy goods and pay bills.

You’ll be able to provide customers with a quick and secure way to pay and have the ability to offer cash back with a purchase. For the customer, this means time savings with fewer trips to the ATM. We have a wide range of debit acceptance POS equipment options for you to choose from. Did you know that PIN debit is less expensive to process than credit cards, so you can save money while offering your customers the payment options they want.

Roughly three-fourths of the U.S. population has a debit card. In contrast to credit cards, most consumers typically have just one debit card, placing it by default at ‘top of wallet’ for debit. Slightly more than one-third of debit cardholders keep larger balances in their accounts than they would otherwise due to the active use of their debit cards. Debit cards often result in higher purchase amounts, so you can increase profit by offering debit card acceptance. 

The number of consumers using a PIN debit had its highest growth in 2007, up 12.5% from 2006 and is now almost equal in size to people using cash.*

This growth is likely due to consumers becoming more familiar with the benefits of debit such as:
• ATM and debit cards are easy to access
• Speedier checkouts
• Convenience
• Rewards
• Flexibility
• Control over money
• Protection offered by these cards relative to other payment methods, such as checks

* 2008 Study of Consumer Payment Preferences, conducted by Hitachi Consulting – 3,308 U.S. consumers completed an online survey in June 2008 which was administered by the Harris Poll Online.
For more information on accepting debit cards and how they can increase your profits, please call us at  (800) 616-1899.

Accept Any Credit Card

When the card is presented to you, check the expiration date and signature panel. If there’s no signature, check the customer’s ID and ask the customer to sign the card. If the customer refuses, don’t accept the card. Always get an authorization of every transaction by swiping the card through your terminal. If the card won’t swipe, follow manual key procedures and get a card imprint. Be sure to match the name on the account number of the card to the information on the receipt and match the printed four-digit number to the embossed number on the card. And of course, always get a signature.  Finally, look for the hologram. It will be on the front or back of the card and should reflect light and appear to move.

When the card is not present, always obtain an authorization. Ask the customer for the expiration date and include it in your authorization request along with the three-digit security code. According to Visa®, verifying the card code can reduce chargebacks significantly. It’s also a good idea to use the Address Verification System (AVS) that is a nationwide system that verifies the identity of the person claiming to own the card. It makes sure the address entered on the order form matches the cardholder’s billing address. By the way, not using the AVS will result in higher processing fees. Scrutinize orders from foreign countries extra carefully as AVS is not global.

If an order doesn’t seem quite right, call or e-mail the customer to verify that he or she placed it. If your business delivers products, use a carrier that requires a signature upon delivery. Be cautious when accepting orders from customers who use free e-mail addresses like Yahoo or Hotmail. Tracking them is almost impossible.

Finally, make sure you respond quickly to every customer service request.  If customers think they are being ignored, they will call their credit card company, which will result in a chargeback.

For more information on chargeback prevention, please call us at : (800) 616-1899.

Accept Any Credit Card

Gift cards have the benefit of real-time transaction processing, which ensures that card account balances are accurate. New cards contain no funds until activated and redemptions occur quickly and easily. Convenient reporting is available online, on your merchant processing statement, or through your terminal’s receipt paper, making it easy to have information available when you need it.

First DataSM Gift Card solutions are available in bundled packages that include gift cards and merchandising material and instructions on how to create your own customized gift card design – or you can select from a
wide variety of standard designs. A welcome kit includes a merchant guide with helpful, proven marketing tips to help you establish an effective gift card program and trained service specialists provide you with live support 24/7.

Merchants of every type are always looking for an affordable gift card program that is easy to implement and manage. Our gift card solutions allow you to cash in on the ever-broadening popularity of the cards without complexity or significant costs. With simple order forms, an intuitive point-of-sale (POS) application, and the bundled packages we offer, you can quickly and easily establish and manage your store-branded gift card program. Don’t wait another day.

For more information on gift card solutions and how they can increase your profits, please call your First Data Independent Sales (FDIS) representative at (800) 616-1899.

Accept Any Credit Card

* Source: 2008 U.S. Gift Card Consumer Insights Survey. First Data.
** Source: 2007 U.S. Gift Card Consumer Insights Survey. First Data.

The program works by accessing capital through tapping into your future credit card sales. Your business enters into an agreement with the alternative funding provider to sell a portion of your future credit cards sales at a discount to this provider and receive a lump sum cash payment. A specified percentage of your credit card sales are remitted to the alternative funding provider each day. Statements can be reviewed online at any time.

It’s easy for credit-worthy businesses to access capital without the time, documentation and availability issues that are associated with a loan. There are no complicated applications, no application fees and no checks to write, plus benefits include high approval rates, minimal documentation requirements, fast funding in as little as 5 to 10 business days, and unlike a loan, there is no fixed payment schedule.

The Merchant Cash Advance referral program process is simple and involves no obligation or fee. You simply present your last four credit card processing statements showing a minimum of $5,000 per month to your sales representative who will then assist you with the referral process.

FDIS uses First Data’s processing engine. First Data powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. Serving millions of merchant locations and thousands of card issuers, we have the expertise and insight to help you accelerate your business. Put our experience to work for you.

For more information call your FDIS sales representative at (800) 616-1899.

Accept Any Credit Card

The first thing you should know is that there are a series of what are called interchange levels which affect the cost of a charge at every stage, depending on a number of factors—including the type of card presented, specific information contained in the transaction and how and when the transaction is processed. Here are a few tips on how you can prevent being assessed higher processing fees:
1. Swipe the card, key-entered transactions are charged at higher rates
2. Obtain a valid authorization from the terminal or register
3. Provide all original electronic authorization information at the time of settlement
4. Settle transactions daily
5. If you are key-entering often, clean your terminal’s magnetic-stripe reader
6. For card-not-present transactions, ask the customer for the card expiration date and include it in the authorization request
7.  Use fraud prevention tools such as Address Verification Service

Reducing chargebacks is another way to save money. A chargeback is a reversal of a payment card transaction that usually occurs when a consumer files disputes with their bank or card provider. Following these tips can help you reduce chargebacks:
1. Keep copies of your sales transactions and respond to retrieval requests by sending sales draft copies immediately
2. To avoid duplicate processing, reconcile your batches daily and ensure that the register/terminal totals match daily receipts
3.  A timely sales slip submission, along with a written explanation of the validity of the charge, will be needed to try to reverse a chargeback when a customer denies making or authorizing a transaction
4. To be valid, the sales slip must include both a cardholder signature and the card account obtained directly from an imprint of the card itself or from electronically reading the magnetic stripe
5. Upon swiping a card, if the card number does not match the number embossed on the face of the card, ask for a different form of payment
6. Credits must be processed correctly and on time
7. Authorize all transactions, and accurately record the approval code on the sales slip
8. Never process a transaction on a card prior to, or after, the valid date
9. Sales transactions must not be processed prior to delivery of the product purchased. Proof of delivery, signed by the cardholder, should be obtained for every credit card transaction in which the merchandise or service is not delivered immediately at the point-of-sale
10. Ensure that your customers are aware of your return policy at the time of purchase. Stick to your policy. Display the policy at the point-of-sale and print it on your sales slips, directly above the cardholder signature

Preventing fraud is one more way you can keep costs down. Here are some telltale signs that can tip you off to potential fraud. Watch for customers who; purchase a large amount of merchandise without regard to size, style, color or price; don’t ask questions on major purchases; try to distract or rush you during the sale; make purchases and leave the store but then return to make additional purchases; make large purchases just after the business has opened or as it is closing and refuse free delivery for large items. It is also recommended that you keep your terminals up to date to avoid any compliance issues. All devices in First Data’s FD line of payment solutions use PA-DSS compliant applications. What’s more, First Data’s proprietary PIN pads are PED-certified and offer Triple DES encryption for added security. This helps reduce your exposure to fraud and the fines associated with it.

For more information on money saving tips, please call your First Data Independent Sales representative at 800.616.1899

Accept Any Credit Card

For over 40 years, TeleCheck has delivered check acceptance solutions that help merchants accelerate cash flow, lower operating expenses and increase sales. No matter what kind of business you operate, TeleCheck can help you expand your customers’ payment options.

TeleCheck Electronic Check Acceptance Warranty service combines authorization, settlement and collections. The service converts a paper check into an electronic transaction at the point-of-sale (POS). The Automated Clearing House network is used to process the transaction and fund your account generally within two business days. Plus, if a check is returned, TeleCheck manages the entire collections process giving you more time to focus on your customers.

TeleCheck Electronic Check Acceptance Verification service is the industry’s most sophisticated check verification system. It allows you to accept checks while reducing bank fees and processing costs. You get your funds sooner using TeleCheck Verification service. After the check is scanned, it’s returned to the consumer, helping to protect your customer’s personal information. The TeleCheck Verification service screens checks against information from hundreds of thousands of businesses and financial institutions, minimizing your risks.

Your business benefits because you can accept more checks with minimal risk, make fewer trips to the bank, reduce bank fees and processing costs, improve cash flow, streamline back office operations and reduce the risk of lost, stolen or damaged checks.

For more information on TeleCheck services, call your First Data Independent Sales (FDIS) sales representative 800.616.1899

Accept Any Credit Card

With the Money Network – Electronic Payroll Distribution Services, employers can provide their employees the benefits of electronic pay while at the same time reducing administrative costs. The pay-to-the-penny solution includes the Money Network™ Card and Money Network™ Check, enabling employers to easily comply with payroll laws*, while providing a safe and convenient pay alternative for employees.

Money Network prepaid products cater to a rapidly growing demand for innovative payment products that make it easy and secure for cardholders to pay bills and make purchases in person, online, or on the phone without a bank account. Your employees have the convenience of accessing pay with ease from thousands of surcharge-free ATMs and check cashing locations.
Money Network ensures prompt disbursement and access to wages for all employees, improves payroll security and controls and administers uninterrupted pay in case of disaster. Your employees will also appreciate the ability to upgrade to a personalized Visa  Payroll Card, along with the option to pay for virtually anything in person, online or in store. They also have secure access to funds and balance information and 24/7 bi-lingual customer service.

For more information on Money Network Electronic Payroll Distribution Services, please call your First Data Independent Sales (FDIS) representative at 800.616.1899 

Each employer is responsible for determining the legal requirements for each jurisdiction in which it compensates employees, and that decision must always rest with the employer.

Accept Any Credit Card

FDIS offers a fully integrated suite of e-Commerce solutions, enabling merchants of any size to simply and confidently take full benefit of the new revenue streams provided by e-Commerce, while carefully controlling costs, complexity and compliance issues.First DataSM Global Gateway solutions help merchants offer secure Internet payments to their customers easily and cost-effectively. With just an Internet connection you can turn a PC into a point-of-sale (POS) device and process transactions from nearly any location. Simply log in to the First DataSM Global Gateway Virtual Terminal for quick processing with maximum security. It is an Internet-based system and requires no software to install. Once you log in, you are ready to accept payments and training is minimal.
 
Whether entering sales transactions through a single PC or a large call center, traditional POS software applications have created many challenges as well as benefits. Most of the traditional solutions are cumbersome and costly, requiring software installation, continual upgrades and individual licenses for each PC running the program. In addition, storing cardholder data represents a serious liability. With the Global Gateway all data is stored with us and not on the individual PC.

The Global Gateway features full transaction processing and supports all major card types. It provides additional fraud protections, real-time reports, online support, customizable receipts and more.

Another FDIS feature is Secure Transport, which is the fastest, most reliable and secure method of sending payment messages over the Internet. Every transaction is encrypted, authenticated and managed across the Secure Transport network, which is layered on top of the public Internet.

Make sure your e-Commerce is as profitable and hassle-free as possible by choosing the right processor to work with.

For more information on e-Commerce solutions, call your FDIS sales representative at (800) 616.1899.

Accept Any Credit Card

First Data Independent Sales (FDIS) offers some of the most flexible credit acceptance options in the industry, enabling merchants across the nation to accept nearly every payment option including: MasterCard®, Visa®, American Express®, Discover® Network, PIN-secured and signature debit, gift cards, checks, wireless and eCommerce processing solutions. When you are making a decision about accepting credit and debit cards, consider the benefits electronic payment processing can deliver to your business and to your customers:

• Higher revenues – credit card customers spend more, on average, than cash customers
• Larger average ticket – customers who pay by card generally buy more than those who pay by cash or check
• Customer satisfaction – customers want the option of their preferred method of payment
• Faster checkout – electronic payments are quicker and more accurate, with less room for error
• Prompt payment to you – no waiting for deposits to clear
• Online payments – eCommerce could be a real competitive advantage to you

FDIS is a market leader in delivering tailored payment processing options that can help increase your sales, improve your bottom line and boost customer loyalty. But that’s not all. Our services also include the systems,
technology, processing services, customer support, clearing and settlement functions you need to succeed, all at a very competitive rate.

FDIS delivers exceptional efficiency, value and results to merchants of all sizes. This unequaled level of experience and expertise, coupled with the most powerful and flexible processing system, creates end-to-end card payment acceptance solutions for every stage of your customer lifecycle. And of course, we offer premiere customer service by phone 24/7.

For more information on accepting credit cards and how they can increase your profits, call your FDIS sales representative at (800) 616.1899

Accept Credit Cards

Today Business owners can expand their revenue-generating opportunities by setting up a FDIS merchant account to accept credit cards, PIN-secured and signature debit cards, checks and gift cards from customers. Merchants can be assured that:
We work with our customers and use our technology, experience and resources to deliver tailored payment solutions to fit your business today We give you the ability to accept transactions in a safer, more reliable and more profitable environment

Accepting Credit Cards Is an Easy Process

 Step 1: Decide on a strategy—Whether choosing to accept only credit cards or virtually every noncash transaction, including PIN-secured and signature debit cards, gift cards, TeleCheck® Electronic Check Acceptance® (ECA®) Verification Service or electronic check processing, FDIS can help businesses capture new revenue through increased payment options.

Step 2: Create a merchant account—Creating a FDIS merchant account is quick and easy. Complete a merchant application and, barring any discrepancies, most accounts are approved within 48 hours.

Step 3: Choose the best product—FDIS products are designed to suit all payment processing needs, with products ranging from hardwired transaction terminals, PIN pads and printers to wireless, handheld terminals.
 

About Us
First Data Independent Sales (FDIS) offers unparalleled, cutting-edge products and services to enable you to accept nearly any kind of payment option. FDIS uses First Data’s processing engine. First Data makes buying and selling easier. Many of you do business with First Data every day, although you may not realize it. Whether you’re writing a check at the gas station, using your ATM/debit card to pay for groceries, buying a book online, getting cash out of an ATM, paying for dinner with your credit card or using a gift card to purchase something special, chances are your transaction is moved quickly and securely by First Data.

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