You have several processing options when accepting credit cards. Some options are geared more for sales where you do not have the card physically present (i.e., Internet, mail order, or telephone sales), while others are better suited for face to face sales where you will have the card present (i.e., in a storefront location).
Accepting credit cards is an absolute must for today's merchant. We have a wide variety of products and services that will meet your needs.
Do you use a terminal? If so we can assist you in either upgrading or leveraging your current hardware investment. Our rates are among the lowest while our service is second to none.
Retail with Tips allows the merchant to print a dummy receipt showing the base amount and leaving a line for the cardholder to enter a tip amount. The terminal dials out for the single authorization amount which ensures that the transactions meet the best interchange qualifications.
We offer free technical support 24x7 and you may qualify for other services not currently offered by your current provider such as: online reporting, QuickBooks integration and local and in-person assistance.
ATM/debit cards provide merchants with an additional means to accept non-cash payments from customers. ATM/debit cards stimulate impulse buying and are very valuable for customers who do not have credit cards and would otherwise have to pay by check or not purchase at all.
Electronic Benefits Transfer (EBT) is processed similarly to online debit transactions, using proprietary magnetic stripe cards in lieu of paper food stamps or paper checks. EBT processing is designed to help you reduce costs and save time in processing government benefits transactions.
Check Conversion/Guarantee: Check sales account for over 50% of all non-cash payments at the point-of-sale. That's more than $650 billion annually. When merchants accept checks, they make more sales. Check conversion and guarantee services provide the flexibility and immediacy of electronic payments with the comfort and familiarity of paying by check.
Electronic Check Conversion (ECT): Electronic check conversion combines the benefits of paper checks with the speed, ease and safety of electronic processing. It's just like accepting a credit card or debit card at the point-of-sale. The check is converted to a paperless transaction by electronically moving funds from the customer's bank account to the merchant's bank account. Combined with Check Guarantee, this service delivers a streamlined check acceptance process that eliminates returned checks and returned check fees, while reducing paperwork and trips to the bank.
More and more manufacturers and wholesalers are accepting credit cards from their business customers. Many businesses utilize the various Commercial products available from MasterCard and Visa. At The Payment Exchange, we focus on these B2B merchants by offering special pricing opportunities for these types of transactions.
Full Service Restaurants like the flexibility of Tip Adjustment available on our full line of terminal products. Many fast food restaurants, bakeries, coffee shops, etc. would rather take advantage of the QSR applications. This application follows the No Signature Required guidelines that do not require a cardholder signature or a receipt for transactions under $25.00.
The Payment Exchange supports the popular cash register systems and gateways used by this industry. Our systems enable the supermarket to accept almost any type of payment, including credit, debit, EBT, gift card or check.
The Payment Exchange Lodging applications support the incremental authorizations common to these transactions, with a wide variety of Front End Networks and certified partnerships including Auto Clerk, Shift4 and UniResMan, just to name a few.
The Card Associations have recognized that millions of dollars are paid each month by consumers and businesses for utility services. Utility companies are realizing the added benefits of accepting credit cards. Credit acceptance offers convenience to their customers and reduces the time and expense associated with waiting for checks to be mailed and processed.
With Visa and MasterCard's Utility programs, merchants who provide electricity, natural gas, water and sanitation services can now benefit from exceptionally low processing rates. Whether providing electricity to power an entire city or trash pick-up for local neighborhoods, these merchants can bill customers conveniently and get payments processed in a timely manner.
Special registration forms are required to participate in some of these programs. Unique codes assigned by Visa and MasterCard are added to the merchant record to identify and qualify Utility merchants for these special rates. The Payment Exchange staff is fully trained to assist you and your merchants with the process.
The Payment Exchange offers card payment processing for merchants needing Pay-at-the Pump or inside store purchases. Specific interchange rates apply accordingly to transactions run through Automated Fuel Dispensers or at the point of sale inside the store. Supported systems include Gilbarco, Tokheim, Veeder Root, Ruby Verifone Gemsystem and Wayne Olivetti.
We can also process Fleet cards popular for use in these and other automotive merchant locations. Customers frequently ask to use Fleet cards at retail merchants like auto repair and parts stores.
Please explore our Products and Services pages to see what The Payment Exchange has to offer your business. Further inquiries about secure credit card processing can be made by calling The Payment Exchange at 916-635-8800.
The Payment Exchange offers state of the art hardware and software programs that simplify and automate the numerous merchant payment solutions currently available. Whether you're processing online transactions or point-of-sale credit cards, with The Payment Exchange you can rapidly and effectively complete your customer's purchase.
Our suite of products provides compelling business tools that are designed to enhance payment processing and decrease the time per transaction. The Payment Exchange combines the technology of tomorrow with the service necessary for businesses today.
Let us show you what dedication and intuition can do for your business!
If you have a web presence and transact via the web while not using the latest security and fraud protection products, you may be subject to fraudulent transactions. This not only costs your company valuable time, money and energy, but jeopardizes your entire website investment. We work closely with you and give you the tools necessary to boost customer confidence, target fraudulent and risky transactions, and customize reporting tools, all while securing the best processing rates available.
For businesses that offer memberships services our web-based billing system creates tremendous efficiencies while preserving valuable time and business capitol, plus it's easy to use. Whether your business charges the same amount or a variable amount, we can expedite and automate your billing procedures.
To find out more information about our services, please call us at 916-635-8800 and ask for Sales, or click the "Contact Us" link above to take your first step towards safe, secure credit card processing. You have nothing to lose and everything to gain.
Many merchants accept transactions without seeing the card or cardholders ID. While this may be the preferred form of payment for your business, we can introduce alternative pricing models and security procedures that reduce costs while increasing transaction security for all parties.
We offer the best technical and customer support in the industry today, staffed by support veterans who deliver results.
Please explore our How It Works pages to see what The Payment Exchange has to offer your business. Further inquiries about secure credit card processing can be made by calling The Payment Exchange at 916-635-8800.
Gift and Loyalty cards can add a tremendous boost to your bottom line and keep your business atop your customer's minds. Statistically, gift card and loyalty card usage is on the rise and are the perfect gift for many gift givers.
As a merchant who offers Gift and Loyalty cards you can expect:
The sooner you start offering gift and loyalty cards the sooner you achieve and reward your existing and new faithful customer base. To see How It Works click here.
A Merchant Cash Advance is a purchase of your businesses future credit card sales. We simply give you money and you agree to repay us through your daily credit card sales using our flexible repayment program.
Program benefits include:
All we need to get started is:
The approval process takes about 5-7 business days and upon approval we inject your business immediately with cash. Repayment begins as soon as you receive your funds, and adjust to go with the flow of your business. Cash advances are typically paid back within 6-8 months through a pre-negotiated payback percentage based on your credit card processing monthly volume. It's fast and easy to get started, simply Contact Us to get started.
"Family Winemakers of California through our endorsement with The Payment Exchange has realized cost savings and quality service. In the wine business, especially for small producers, receiving expert assistance and efficient payment processing services help the bottom-line and contribute to remaining viable.
The Payment Exchange team is knowledgeable and responsive, which is a combination any business looking for credit card services should consider."
-Paul Kronenberg
FWC President
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