Credit/ Debit and ATM Card Acceptance Electronic Check Acceptance Electronic Benefit Transfer Gift and Loyalty Card Program Chargeback Retrieval & Handling

RETAIL                                                                                                                                                             The competitive marketplace demands high-speed payment processing and exceptional service to make your business run efficiently. MPS recognizes this, so we provide payment-processing solutions for every retail environment. Quick and simple transaction processing starts right here with MPS, Inc., with payment solutions tailored to suit the size and changing demands of your business.

• Merchant Processing Services, Inc.'s (MPS) payment processing service is fully responsive to the needs of your business. Accept all payment types and process transactions the way you prefer; real-time, or deferred processing, quickly and securely. MPS’s managed payment processing solutions provide efficiency and save you on the costs of developing your own processing system.MPS, Inc. is a registered Bank of America service provider for Visa, MasterCard, Discover, American Express, Diners Club, and JCB credit cards. Although we provide a wealth of standard credit card processing services, we also have a variety of customized solutions to fit any businesses requirements. MPS, Inc. is certified to process payment transactions on virtually every Point-of-Sale (POS) Register, Software, or credit card terminal system on the market.

•  MPS, Inc. offers two core Check Services programs: Electronic Check Conversion (ECC) and traditional Check Guarantee. MPS is connected to several negative check files and verification systems to ensure the best possible service for our merchants. With check conversion technology, merchants can accept checks in the same manner as they would accept a credit card. Merchants can see immediate protection - and consequently savings - from bounced checks, bank fees and time by using Check Guarantee or Conversion services. Additional features include stop payment protection, electronic deposits, 90-day same-as-cash, as well as several other options and premiums. Check Guarantee and Conversion offers a wealth of services beyond the basic protection from bad check writers. The service also offers additional and flexible payment options for your customers.

•  Paper checks can now be accepted at the point-of-sale just like credit cards. Electronic Check Conversion can be easily added to your existing credit card system. The process is very simple and requires an imager/reader to be attached to your terminal. The paper-check is passed through the reader and verified against a database of negative files and bounced check writers. A match will result in an instant decline. In some circumstances, funds can be made available through supported ATM networks. If the check is approved, the paper check must be stamped "ACH Processed" and returned to your customer. The transaction is complete at this point, and will be deposited into your bank account within 72 hours, just like a regular credit card transaction. The check conversion program is supported by an online reporting system, with 24-hour customer and technical support. This solution saves you accounting time, trips to the bank, accurate reporting, and most importantly - no more bounced checks.

•  Traditional check guarantee is a logical addition to any business at risk for accepting NSF or bounced checks. Guarantee service can be easily added to your existing credit card system. Checks can be manually entered or swiped through a reader for approval. Losses and fees from bounced checks can be eliminated overnight. The guarantee system verifies the check writers’ information against a negative file and in some circumstances, uses the ATM networks for confirming account balances. In addition to the guarantee service, your business will have access to 24-hour customer service and technical support, as well as extensive paper and online reporting. Start saving money and stop bounced checks.

•  The element of gift card processing allows you, the merchant to take advantage of this incredibly popular form of gift giving. Gift cards not only facilitate customer referrals-payment is received in advance! Large retail chains were the first to capitalize on this new technology and have had tremendous success. Merchant Processing Services recognizes the need for an electronic gift card program that benefits smaller and mid-size retailers and restaurants while not requiring them to make a large investment.

  An electronic solution option for any size business; with easy implementation and effortless maintenance, the gift card solution eliminates the need for manual tracking and provides detailed reporting of cards issued and redeemed, allowing gift cards to be monitored effortlessly. The processing advantages of the Electronic Gift Card Program are; improved customer relations, with customized gift cards consumers can now be recognized and singled out, improved store refund policies will use gift cards to facilitate refunds and the program comes with a detailed reporting that gives merchants an accurate picture of their return on issued cards.

  With two options for gift card printing, merchants can either have customized cards that are printed with their logo and business information, or standardized generic cards. Generic cards come in an array of colors and are embossed with the message "A Gift for You”. Customized cards are the more popular choice as they also provide a unique marketing tool for the merchant, serving to increase name awareness and customer service satisfaction.Operation of the gift card program is similar to processing credit cards. Transactions are quick, easy and flexible. Combining consumer convenience and improved merchant operations makes Merchant Processing Services, Inc.'s gift card program an easily justified processing solution.