ePay Management ServicesThere are many factors that should be considered when your clients are choosing the type of electronic payment processing services their business requires. Furthermore, the equipment, software and value-add services that may or may not be needed deserve the same attention.
When choosing ePay Management as your merchant services partner, we make it easy for you to help them make the right choices by explaining the options, simplifying compatibility concerns and making sure you understand the advantages and disadvantages of the services that are available.Merchant Accounts
We provide businesses with the ability to accept credit cards electronically. We currently manage all facets of merchant business including; retail, restaurant, lodging, e-commerce, wireless, mail order / telephone order, petroleum, and supermarkets.
In most cases we are able to provide merchants with a 15% or more savings in comparison to their current processing costs. We price our accounts giving full consideration to merchant retention and referrals. This business model has distinguished us as a leader in the merchant acquiring industry and allows us to enjoy one of the best merchant retention ratios among our peers.
With apples-to-apples cost comparisons, full disclosure of rates and fees and an impressive range of products and services to accommodate virtually every type of business you can be assured that your decision to make ePay Management your payment processing partner is the right choice.
Retail Equipment & Software
Our services are compatible with most point-of-sale manufacturers including Verifone, Hypercom, Nurit & Ingenico. Likewise, the list of point-of-sale software that we are able to work with includes PC Charge, ICVerify, Micros, Datacap, Squirrel as well as hundreds of others.
We do not lease equipment nor do we sell proprietorized devices that are programmed to work only with our service. Our confidence in the services and support we provide is such that if we give you a reason to cancel your account with us, by all means, have another provider reprogram your equipment.
While our services are compatible with the majority of the equipment on the market today, there are instances of equipment becoming antiquated or non-compliant with industry regulations. It is best to consult with one of our processing experts with any compatibility concerns you may have.
Traditional Mobile Solutions
We cut our teeth in the wireless market. In 2000 when ePay Management was still in it's infancy, we made our presence felt at the ground floor of wireless credit card processing. We have seen it all; the good and the bad. We know what works and we don't bother with those wireless solutions that haven't proven themselves viable.
We offer quality, traditional wireless solutions in the form of stand-alone wireless credit card equipment and laptop processing We are experts in the wireless payment processing market and have an army of plumbers, electricians, taxi cabs and trade show merchants to prove it.
Apriva, Charge Anywhere, eProcessing Network, Authorize.Net, AirCharge and Way Systems are just a few of the wireless gateway and service providers we have partnered with to provide complete, dependable and affordable wireless processing solutions.
Smart Phone Mobile Solutions
There is no questioning the payment processing industry's movement towards the smart phone. It is a natural marriage of technology and ePay Management is taking an aggressive approach to staying on top of the latest offerings.
Being able to provide merchants the ability to swipe credit cards on their iPhone, Android, BlackBerry or Windows OS device is crucial when you are trying to keep your product offerings fresh and cutting edge.
Put the power of a full-featured payment processing terminal in the palm of your client's hand. Your merchants will qualify for "card-present" rates on rugged solutions with end-to-end encryption wherever their business takes them.
Selling on the World Wide Web is just as fruitful as it was 10 years ago, only now it is a lot more affordable. For web-based merchants, both large and small, as well as companies looking to supplement their retail store with an online presence, our E-commerce solutions are reliable, easy to implement and affordable.
We offer Internet merchant accounts as well as payment gateway solutions from the best the World Wide Web has to offer; Authorize.net, PAYWare Connect, Charge Anywhere, eProcessing Network and PayPal (Verisign) are but a few. We will provide your web-developer with all of the information they need to integrate your website / shopping cart with your merchant account for real-time credit card processing.
Electronic Bill presentment allows your merchant's customers to view and pay their bills quickly, conveniently and securely, while accelerating their receivables cycle.
Your merchant's customers receive timely alerts, displaying payment details with a link to access their current invoices and account information and allowing them to pay bills using their bank or credit card accounts.
Benefits of utilizing Electronic Bill Presentment include; Higher customer satisfaction, improved security, accelerated collection time and reduced days with sales outstanding, improved expense management as a result of the elimination of paper-based processes, Strengthening of "Go Green" efforts.
Innovative consumer financing for high ticket customers. By your merchant's offering financing to their customers, they will see an increase in closing ratios and revenue, increases in their client base and they will have happier customers by creating a higher level of value to their clients, all while improving cash flow and reducing accounts receivable headaches.
Your merchant's are spinning their wheels with Wells Fargo and GE Money. We are approving greater than 70% of completed applications.
We make it easy by providing a secure, online portal for your merchants to manage their loan applications and provide them with their own online credit application, which can be placed on their company website. Live user training, unlimited customer support and a user guide instructing you how to use the program and maximize revenues completes the package.
Business Working Capital
It's time to change how you think about business financing. We have listened to what small businesses want in a loan and have delivered innovative solutions that put's your customer's business needs first. It's a loan... only better!
Applications are evaluated in hours rather than weeks.
Approval decisions are based primarily on the history and performance of the business, not the personal credit of the owner.
Qualified businesses are given options regarding repayment methods and terms.
As you would expect, your merchant's business loans have a pre-determined maturity date and set monthly repayment amounts. How monthly obligations are handled is one more way we are different.
Not all businesses want or need check conversion services, however many retail businesses would still like to be able to guarantee the checks they are accepting for payment.
Paper Guarantee is a check acceptance service that eliminates the risk of accepting paper checks. Verification and authorization are obtained at the point of sale for face-to-face transactions. paper checks are then manually deposited into the bank and will be guaranteed if returned unpaid.
Other check services we offer include Checks-By-Web; Designed for merchants selling goods or services on the Internet and Checks-By-Phone; Enabling merchants to accept "guaranteed" transactions from their customers over the phone
ACH Processing Services
ACH Processing is a great option for a wide variety of US merchants. Visa and Mastercard are everywhere, but many merchants have not yet adopted ACH payments as part of their business. The benefits include lower fees than credit cards and an opportunity to reach more customers. ACH Processing will enable your company to accept a check by web or phone, set up recurring payment plans, issue payments for direct deposit of payroll or expense checks, and convert paper checks into electronic checks.
PIN-Based Debit Services
By accepting PIN-Based debit transactions a merchant who conducts face-to-face business can ask the customer if he would like to pay with debit or credit. By keying in their private four digit pin number into the PIN pad when prompted the merchant will pay a much lower rate (usually no more than $0.75 cents), no matter what the amount of the sale. By comparison, using a credit card on a $100.00 sale, the MasterCard or Visa discount rate would cost the merchant approximately $1.69, and an American Express sale approximately $3.25.
For the merchant, accepting PIN-Based debit cards means guaranteed funds without the concern of accepting a check that might later bounce.
In order for a merchant to accept pin-based debit transactions an encrypted PIN pad is required. Depending on the type of equipment a merchant is using an external PIN pad may be required. Some credit card processing units now come with integrated PIN pads which eliminates the need for an external encrypted PIN device, however, the integrated unit will still need to be encrypted in order for debit services to be activated.
Gift & Customer Loyalty Card Programs
Gift cards are reusable, stored-value cards that enables merchants to have an electronic alternative to paper gift certificates. Cards are sold to customers for their own use or can be given to family or friends. Cards can be redeemed at store locations just like a credit card and balances can be debited from the card upon purchase. Cards are swiped through traditional credit card terminals and POS systems and payments are collected by the merchant at the time of sale.
Loyalty or Rewards cards can be used to accumulate points, dollars or rewards in a merchant's store or business. The card can track visits, products purchased or total dollars spent. The merchant can predetermine the levels of rewards or points on the program.
Gift & Loyalty card programs help merchants promote more frequent visits and spending at the merchant's location(s). Merchants can also use the solution to track customer spending habits, measure marketing efforts and collect important demographic information that can be used to send special promotional offers.
when deciding whether or not to purchase an ATM machine for your business, the rule of thumb goes like this; 3% - 5% of the foot traffic that actually sees the ATM machine will use the ATM. So let's figure that you have a total of 300 people a day coming through your doors, and let's say that you are charging a $2.00 surcharge per valid withdrawal. If you take the middle road that 4% of the people that see the ATM machine will use it. Then you can count on your new automated teller machine to generate you a minimum of 360 transactions per month at $2.00 per valid withdrawal. That comes out to $720 per month or a total of $8,640 per year. All that from one ATM machine at one location.
It is important that you don't only look at the ATM as a vending machine with surcharge income in order to justify the purchase of equipment. Too often business owners make the wrong decision regarding ATM machines because of ignoring the bottom-line... profit and the new customer relationships an ATM provides. In short, EVERYONE NEEDS MONEY more than milk, gas, maybe even toilet paper; Virtually EVERYONE who lives nearby has an ATM card and, sooner, rather than later, will need to visit your store. This means new customer relationships.
Pre-Paid Debit Cards and Wireless
Reloadable Debit Cards offer consumers an easy to use option to manage their funds. This product is attractive for consumers without a bank account or with low credit scores. It offers recent immigrants, guest workers and the budget conscious with a convenient and risk free way of managing their money. The Reloadable debit cards generate increased sales and repeat foot traffic for retailers.