Credit Card Services

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Credit

Providing customers with a credit card payment option is proving to be a valid form of business survival, and Cardservice International offers a reliable one-stop shop to help businesses not only survive but thrive. CSI processes major credit cards: MasterCard®, Visa®, PIN-secured and signature debit, American Express®, Diners Club®, Discover® and JCB® cards. CSI 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, CSI 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.

CSI supports an assortment of multi-functional, top-of-the-line terminals for credit card processing in numerous markets and for multiple merchant types

Debit

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. CSI 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.


E-Commerce

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. CSI realizes that e-commerce merchants need secure 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 LinkPoint® Secure Payment Gateway is the gateway of choice for CSI, however, our systems are compatible with all major gateways.

Wireless

In years past, mobile merchants whose jobs took them from one location to another (e.g., salespeople, truck and limousine drivers, delivery services) and who wanted to accept credit card transactions either had to use a manual credit card imprinter or wait until they returned to the office to enter the sale. With mobile products, these merchants are no longer chained to manual imprinters or to their desks. Instead, mobile merchants now have several portable terminal options with built-in PIN pads — some with printers — that help finalize the sale at the point of sale.

Checks

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, Cardservice 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®) services, merchants have the ability to accept checks in a safer, more secure 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.

Gift Cards

Gift cards have become enormously popular among consumers. The cards offer customer convenience, because they can fit into a wallet just like a credit card, and flexibility, because customers can use them whenever they want. What do gift cards offer merchants? Brand awareness and extra foot traffic — a marketing goal for most retailers.

The Cardservice® gift card program can help merchants achieve greater sales volume and higher purchase amounts and can improve their customer loyalty. In addition, consumers who purchase gift cards from a merchant act as a walking advertisement and can greatly enhance awareness of that business establishment.

The Cardservice gift cards come in an assortment of styles or can be custom designed to meet the needs of the merchant. The cards can also be reloaded to fulfill the consumer's preference for gift cards that they can continue to add money to — using it as a type of "budgeting tool." This helps to enhance customer loyalty and offers merchants additional marketing and branding opportunities.

EBT

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.

Fraud Protection

From the latest encryption regulations to fraud protection, check conversions and reconciliation of statements, CSI is backed by First Data. Additionally, CSI is able to help deliver safe, secure transactions through our alliance with LinkPoint International and the LinkPoint® e-commerce payment services.

The LinkShield® service from LinkPoint International gives merchants fraud-risk ratings that measure the likelihood of fraud for each transaction right at the point of sale, allowing merchants the opportunity to help prevent fraud before it happens.

Verified by Visa® and MasterCard SecureCode® helps merchants identify that the person using the card in a non-face-to-face transaction is actually the cardholder.

Loss Prevention

CSI's Loss Prevention Department helps merchants reduce the risk of credit card fraud by carefully monitoring merchants' transaction activity.