Banks or Credit Unions, Offering Business Checking or Loans, Add Merchant Accounts for Retention.

BANK AND CREDIT UNION MERCHANT ACCOUNT PROGRAMS:

  The Partnership Program is designed to address the changing market requirements of the small to mid sized bank or credit union. We have successfully established ourselves as a business partner to numerous large and small financial institutions. The Partnership Program offers flexibility to all its participants, while providing a competitive program offering, that is tailored to your specific needs and requirements. This program provides revenue to your bank or credit union, a reduction in overhead and risk, along with the continued ability to provide merchant account bank services to your commercial accounts. You've just started offering business checking accounts, and to keep your clientele in house the next step is Merchant Accounts to process their credit card transactions. Perhaps you already offer Merchant Accounts and a secondary Provider is needed to keep the higher risk merchants accounts in house. The following relationships are available under the Credit Union, Bank Partnership Program.

• Conversion Account Program: This program has been designed for banks and credit unions currently using another referral partner, but choosing to change their relationship. This merchant account program provides for revenue sharing on the monthly bankcard volume of the existing merchants that convert. CardService International is positioned to assume all of the portfolio's risk. There is no application fee to your merchants when they convert. For new referrals this program offers a one time fee on approved accounts and shared revenue on the bankcard volume of all merchants.

•   Shared Revenue Program: This program is available to credit unions and banks that wish to stay in the merchant account processing business, and choose to share the risk with CardService International. Cardservice will establish at the partnering financial institution a specific bank identification number designed for all accounts referred by that financial institution. CardService will share equally in the risk and profit for the portfolio. CardService will receive a monthly maintenance fee for each account within the portfolio. "Merchant account processing income" consists of the following income elements of related Visa and MasterCard merchant processing, discount income, electronic transaction fees, monthly minimum fees, customer service fees and Address Verification fees.

• e Lead Tracking and Reporting System: This is state of the art, unique and unprecedented in the transaction processing industry allowing our partners 24/7 access to sales management and lead status. As the sales rep receives the lead it is up dated each and every step of the way.
   The eLead site is secured and password protected, either a single lead can be typed in or a file up loaded in an ASCII format. Monthly residual and/or commission reports can be viewed and down loaded by our banks and credit unions. eLeadTrack is another technological innovation instituted by CardService International to support our partner relationships. Cardservice International's state-of-the art eLeadTrack web site is designed to boost sales figures even higher. The unique site, unprecedented in the transaction processing industry, allows our partner banks to upload or download lead referrals and make inquiries, among the many other functions made available.
   The eLeadTrack system has the capability to process, track and report on the status of both pre- and non-qualified leads. It creates more accountability for Cardservice International sales agents, and it tightens the overall flow of lead referrals from banks to Cardservice International to the company's sales force.
  
  The eLeadTrack system, which is a secured and password protected site, works like this:
  One of Cardservice International's partner banks sends the referral to the web site via an electronic file in a comma delimited ASCII format. The bank then uploads the information. Once Cardservice International receives the file from the bank, the referral is processed and assigned to the agent office closest to the lead's ZIP code. The agent retrieves the information from Cardservice International's extranet site and reports back to the company on the lead's disposition. Cardservice International then sends the information to eLeadTrack, informing the bank or credit union of the lead's status.

  
  

• CardService International: Will offer full service with all of the above programs, supported by a local CardService office. This includes assuming or sharing risk, as well a providing sales representation and full bank staff training.

  
  

• CardService International: Offers an e-commerce merchant account program, with the Link Point Cart, Link Point Secure Payment Gateway, Periodic Billing, Secure Down Load Programming and Level II Purchasing Card acceptance. All other gateways at or above 128 bit encryption are also supported.  

  
  

• CardService International: Offers traditional retail merchant accounts with check guarantee and gift or smart cards as well as non-traditional  merchants who operate a home based, mail order, telephone order, Internet or high risk business. Our Bank Partnership Merchant Approval Rate is 99%.
  Call us first with your high risk accounts.

  
  

• CardService International's knowledgeable customer service representatives assist merchants with all their account needs, 24 hours a day, 7 days a week, in more than 140 languages and dialects. The dedicated Customer Service staff helps merchants reconcile their deposits, understand their merchant account statements, and answer questions about rates, fees, charge backs and retrievals. Representatives can also help locate a missing deposit or transaction and make profile changes to a client's merchant’s account.

  
  

• CardService International: is the nation's premier independent transaction processor and Internet communications company. Incorporated in 1988 and based in Agoura Hills, California, Cardservice International devotes extensive funds and resources to its merchants base and future customers, offering them the very best in payment processing. Unlike most credit card processors, Cardservice International accepts high risk merchants, and we stand alone with a 98% account approval rate, including home-based, mail/telephone order and Internet businesses. Cardservice International has more than 550 corporate employees, 200 sales offices and 2,200 sales representatives nationwide. The company's customer base has grown to over 150,000 merchants, and Cardservice International processes an annual bankcard volume in excess of six billion dollars.

800-948-6457
9 - 5 Central / Monday - Friday
Email

Chuck Taylor Sr. Account Exec. Retail POS Hardware E-Commerce Solutions Banking & Credit Union Relationships

450 N. Sam Houston Parkway, Ste. 273 Houston, Texas  77060-3551 Tel.:  832-647-5090 Fax:  877-609-7766

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