Providing customers with a credit card payment option is proving to be a valid form of business survival, and FDIS offers a reliable one-stop shop to help businesses not only survive but thrive. FDIS processes most major credit cards: MasterCard®, Visa®, PIN-secured and signature debit, American Express®, Diners Club®, Discover®Network and JCB® cards. FDIS merchants who can offer their customers a choice of payment options not only enhance their customers' shopping experience, but increase their own revenue-generating potential. In addition, FDIS agents can maximize their profits and build customer loyalty when they provide merchants the types of accounts that will bring the most revenue-generating opportunities to their businesses.

The use of debit cards has grown significantly over the past decade. Consumers may favor debit cards because the money comes directly out of their checking accounts, which can enable better financial management. FDIS offers both PIN-secured and signature-based debit card processing.

PIN-secured debit purchases use a secret personal identification number (PIN) to authorize purchases. The transactions are authorized in real time. The funds in the customers' accounts are captured, and money is normally transferred into the merchant's account in two to three business days.

Signature-based debit transactions are performed offline and do not require a PIN. They do, however, require the customer's signature on the receipt. Because signature-based debit cards are processed through the same system as credit cards, they incur transaction fees and discount rates. Merchants who have existing credit card accounts can easily add signature-based debit to their list of payment options and broaden the number of payment options they provide to their customers.

The e-commerce market is experiencing extraordinary growth and leaving little doubt that as more consumers use the Internet, e-commerce-based sales are no longer a luxury for many businesses, but an absolute necessity.

Because the e-commerce environment constitutes a non-face-to-face transaction, it also creates greater potential for fraud. FDIS realizes that e-commerce merchants need reliable Internet-based payment services that will help maximize their electronic payment profit potential, while helping to ward off fraud from their non-face-to-face transactions. We offer e-commerce merchants several payment solutions to maximize electronic payment profit potential and fraud protection.

The First Data Global Gateway is the gateway of choice for FDIS however, our systems are compatible with all major gateways.

The First Data Global Gateway is one of the most dynamic processing gateways in the industry today, empowering e-commerce merchants to process secure transactions quickly and easily from anywhere that has Internet access.

The gateway translates information on merchant's Web sites into a format that can be read by an electronic processing system to process transactions online. The gateway uses 128-bit secure sockets layer (SSL) encryption so data remains secure. In addition, LSPG screens transactions prior to authorization to check for fraud and uses the Address Verification Service (AVS) and card verification value 2 (CVV2) to help confirm user information.

Global Gateway Central service provides merchants with a flexible, virtual point-of-sale terminal to process their orders.

The Global Gateway Central service acts as a secure portal for merchants to manage everything related to transaction processing. The Global Gateway Central service provides merchants with an easy-to-use processing solution that allows them to process orders from anywhere that has Internet access. It also offers access to full-featured reports, fraud protection and Global Gateway Connect setup.

Global Gateway Connect service enables merchants to process transactions by using a simple Hypertext Markup Language (HTML) form on their Web sites.

The Global Gateway Connect service is an innovative transaction processing software that offers merchants the flexibility to collect as little or as much order data as they require, and with all the speed, security and fraud protection they need. The Global Gateway Connect service handles all the financial processing behind the scenes and deposits money earned from merchants' orders directly into their merchant accounts.

The Global Gateway API (application programming interface) provides merchants a more sophisticated payment solution through comprehensive payment processing software.

The Global Gateway API service allows customers to pay for products and services without leaving a merchant's Web site. The service provides sales, returns, real-time authorizations and real-time reports, and it calculates tax and shipping - giving merchants control over how their payments are processed. In addition, it allows merchants to build transaction processing applications that can process payments from a Web site or from multiple point-of-sale terminals.

Global Gateway VirtualCheck service lets merchants accept checks online and have them automatically processed.

Global Gateway VirtualCheck service is a value-added enhancement, allowing merchants to accept and process electronic check payments. The transactions are captured by the Global Gateway Secure Payment Gateway. The system debits the amount from the customer's checking account and transfers the funds to the merchant's direct deposit account. Merchants are notified of returned checks normally within two to four days, and the system automatically resubmits the check. Merchants can also request email notifications of a transaction's acceptance.

Paper checks may not always be the most popular form of payment for many consumers because of time spent at the point of sale; however, First Data Independent Sales offers merchants a way to accommodate those customers who still prefer checks as a payment type. Through the Telecheck Warranty and Electronic Check Acceptance® (ECA®), merchants have the ability to accept checks in a safer, more reliable and more profitable environment.

The TeleCheck Warranty service acts like an insurance policy for merchants when accepting paper checks as TeleCheck automatically guarantees the full amount of any check it approves, provided that the merchants have met all its requirements.

The TeleCheck ECA program converts paper checks electronically at the point of sale and transfers the money from the customer's account to the merchant's, acting in many ways like a debit card payment.

Electronic benefits transfer (EBT) is an electronic system that allows recipients of government benefits to authorize transfer of their monetary benefits to a retailer in order to purchase products. EBT is also used in many states to issue food stamps. EBT recipients receive a plastic card and a personal identification number (PIN), similar to a debit card, which is connected to an account that is replenished on a monthly basis.

At the point of sale (POS), an EBT recipient's card is swiped through a terminal and the recipient enters the PIN number to access his or her account. The processor then verifies the PIN and the account balance, and sends an authorization or denial back to the retailer. If authorized, the recipient's account is then debited for the amount of the purchase, and the retailer's account is credited. No money and no food stamps change hands. Payment is made to the merchant through a settlement process normally at the end of the business day.

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Services by Cardservice International.
The FIRST DATA name, trademark and logo are owned by First Data Corporation. All other trademarks, service marks and trade names referenced in this material are the property of their respective owners. The First Data Independent Sales Agent Program is operated by Cardservice International, Inc. Cardservice International, doing business as First Data Independent Sales (FDIS), is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA. American Express requires separate approval. FDIS Agent #21123 is an independent agent for Cardservice International.

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