Credit Card Processing

Ignite Payments looks for every opportunity to help customers get more value from every transaction. We develop innovative solutions to make payments simpler, faster, safer and more rewarding. Ignite Payments offers small and mid-size businesses merchant accounts that enable you to accept nearly every type of payment solution to give your business the tools it needs to succeed

• Ignite Payments is a global technology and payments processing leader, serving more than 6 million merchant locations, thousands of card issuers and millions of consumers worldwide.
• Flexible payment acceptance options with a variety of point-of-sale payment solutions to meet business needs.
• Cardholder security is our first priority at Ignite Payments.
• Grow your business and your bottom line with one of the industry’s most complete gift card programs.

Check Processing

TeleCheck® Solutions

Innovation for Competitive Advantage

While paper checks presented at the point of sale continue to decline in number, electronic checks, or Automatic Clearing House (ACH) payments, continue to grow. More than 13.97 billion transactions, worth more than $28.8 trillion, were sent via the ACH Network in 2007 - an increase of over 13 percent from the previous year. And each year, major national retailers continue to drive the increase in electronic check acceptance.

Source: ©2008 NACHA - The Electronic Payments Association

Improve Your Business With Every Customer Check Transaction

Offering checks as a payment method requires a solution that provides security, speed and ease. Ignite Payments powers electronic payments and solutions through proven technology and relentless ingenuity. We have the capabilities and expertise to serve as a single source for multiple services and solutions.

Throughout every step of the check transaction process, Ignite Payments's TeleCheck® solutions offer significant benefits for your business, including:

Authorization

• Reduced check losses
• Analytic driven decisions
• Easy integration
• Maximized sales

Settlement

• Labor efficiency
• Bank fee reduction
• Improved operations
• Speedier funds access

Collections

• Minimized labor expense
• Improved customer experience
• Increased revenue
• Compliance assistance

Comprehensive Services to Enable Your Business

From authorization through collections, companies trust the industry-leading technology TeleCheck® provides for one reason... it works.

TeleCheck provides a broad and flexible suite of electronic and paper check processing solutions to help enable your business every step of the way. In addition to transaction processing, our TeleCheck Warranty services help provide peace of mind for your business.

TeleCheck Authorization

With TeleCheck you get proprietary access to comprehensive data and best in class fraud prevention tools. Our comprehensive authorization services are backed by industry-leading expertise provided by fraud and statistical experts averaging seven years of TeleCheck experience.

TeleCheck Settlement

With an unprecedented volume of 550 million transactions processed in 2007, TeleCheck provides end-to-end, streamlined reconciliation services to help determine ACH eligibility and real-time decisioning to help prevent and resolve exceptions.

TeleCheck Collections*

Our TeleCheck collections services combine a respectful customer approach with advanced decisioning capabilities to help you improve upfront authorization decisions, reduce administrative time and improve fraud detection. Backed by highly skilled and trained agents, our customer-centric solution helps dictate the appropriate collection activities and motivate customer payments. Customize reports specific to your business needs and provide outstanding customer service by allowing customers to use their preferred payment option.

*Collection services provided by TeleCheck affiliate, TRS Recovery Services, Inc.

Customized Check Solutions Tailored to Your Business

Whether your check acceptance solution is paper-based or electronic, TeleCheck and its affiliates have the solutions, risk management tools and experience to provide value to your business.

Telecheck Electronic Check Acceptance® ECA® Warranty

The TeleCheck® ECA® Warranty service is a comprehensive solution for check acceptance, incorporating authorization, settlement and collections. With this solution, paper checks are converted into an electronic transaction at the point-of-sale. The Automated Clearing House (ACH) network is used to process the transaction and fund the account, generally within two business days. With the Warranty service, returned check processing and collections can be managed by TeleCheck, saving you time and money. With TeleCheck’s ECA Warranty solution, you can effectively reduce the risk of accepting paper checks, decrease bank fees, lower operating expenses and improve cash flow through faster funding.

Paper Check Acceptance Solution

Reduce the risk of accepting fraudulent checks with TeleCheck's verification solution.

• Utilize a risk scoring system to reject high-risk checks on the spot and minimize the expense and hassle of attempting to collect on them later
• TeleCheck's paper check acceptance solutions use check writer's negative and activity databases with other proprietary risk management tools to determine the risk of accepting a check
• Receive reimbursement for checks approved by TeleCheck that are later returned with TeleCheck’s warranty service

Internet Check Acceptance Solution

The TeleCheck Internet acceptance service provides a secure and easy way to accept check payments over the Internet.

• Improve operational efficiencies and increase revenue by offering stronger fraud protection, quick funding and low-cost integration
• Process transactions quickly and enjoy quick and easy payment
• Transfer funds directly from a customer’s checking account(s) to your business account
• Checks are processed as an electronic transaction through the Automated Clearing House (ACH) network
• Funds generally received within two business days

Telephone Acceptance

Cater to your customers who prefer to pay by check over the phone, while minimizing potentially lost sales that arise when checks don’t arrive through TeleCheck's Telephone Acceptance. By converting checks into electronic items instantly, while your customers are on the phone, you are able to ship orders faster and turn captured orders into paid orders, usually within two business days. Turnyour shoppers into buyers by offering a preferred payment method to the significant portion of the U.S. population without credit cards.

LockBox Payment

Handling paper checks can be a time consuming process and the lag time associated with these payments may also increase the risk of returned items. Streamline the check handling process by converting a check to an electronic transaction and settling funds with the Automated Clearing House (ACH) network. By utilizing TeleCheck’s LockBox Payment, you not only accelerate the availability of funds and make check handling more convenient and economical, but also lower the risk and net cost for accepting checks as bill payment.

CONNECTPAY℠

The latest payment innovations and loyalty capabilities from Ignite Payments provide end-to-end comprehensive products and services that deliver new value propositions. Enabling virtually any payment, on any device, to be authenticated, authorized and settled to any customer account, the CONNECTPAY solution can enhance new or existing loyalty or membership programs with a customer's choice of payment.

The solution supports many payment types, including a demand deposit account (DDA), a credit or signature debit card account, all of which are protected by a self-selected Personal Identification Number (PIN).

• Develop a differentiating consumer payment strategy with feature-rich loyalty programs
• Increase customer lifetime value
• Build longer and stronger relationships
• Retain existing customers
• Attract new customers
• Drive incremental sales
• Increase spend per visit
• Increase number of visits per customer
• Increase number of purchases
• Decrease cost of payments with DDA Payment
• Improve customer experience with personalized rewards
• Improve activation and adoption of the CONNECTPAY portfolio with activation, trial and usage promotions
• Gather information about customer behavior

PCI Compliance

How to become "PCI Compliant" and what it means.

PCI DSS Compliance Introduction

Payment Card Industry (PCI) Data Security Standard (DSS) compliance is designed to protect businesses and their customers from credit card theft and fraud.

All payment card brands: Visa, MasterCard, American Express, Discover, JCB, and Diners Club endorse and require PCI DSS compliance for merchants and service providers.

What Is PCI DSS? - Payment Card Industry Data Security Standard

To help guard against fraud, card companies have established the Payment Card Industry (PCI) Standards Council and the PCI Data Security Standard (DSS), which establishes and enforces security requirements for members, merchants and service providers.

One of the most significant PCI DSS requirements is that merchants may not store magnetic-stripe data after an authorization is obtained on a credit card. So magnetic-stripe data must be purged from your records, and from any system you use, after authorization.

If your business fails to comply with PCI DSS, you risk substantial fines—and even risk losing your ability to process credit card payments.

How to Become PCI Compliant

We have arranged for PCI Rapid Comply, approved by the PCI Security Standards Council as a qualified assessor and an approved scan vendor, to provide you with its Site Certification service. PCI Rapid Comply will assist you in becoming compliant regardless of the method you use to process.

Does This Apply To Me?

All businesses or service providers that store, process, or transmit payment card data are required to comply with the data standard-regardless of business size or the amount of annual payment card transactions.

Protect Your Brand

Compromised businesses in violation of PCI DSS compliance lose customers, sacrifice their reputation, and are subject to fines the frequently total over $100,000.

PCI DSS Basic Requirements

Validation requirements are based on the amount of annual payment cards you process and how you handle payment card data. Your requirements may include (but are not limited to):

• Self-Assessment Questionnaire (SAQ)
• External/Internal Network Vulnerability Assessment Scan
• On-site Audit
• Penetration Test
• Information Security Policy
• Report on Compliance

PCI Rapid Comply provides Site Certification to help you accurately validate PCI compliance. Site Certification helps you:

• Understand PCI compliance
• Know your PCI requirements
• Implement secure card processing practices
• Test your networks for vulnerabilities
• Report your compliance status to your merchant processor
• Maintain PCI compliance

What You Need to Know About PCI Compliance

Q. Why is PCI compliance required?

A. In 2005, the payment card networks established a common set of industry requirements designed to help with the safe handling of sensitive payment card account information. These requirements are known as the Payment Card Industry (PCI) Data Security Standard (DDS). These PCI security requirements have been phased in over time and now apply to all merchants that accept Visa, MasterCard and other payment cards.

Q. What if my business fails to become PCI compliant?

A. TheCardAssociationsareveryseriousaboutdatasecurity. Security breaches have affected merchants of all sizes. If your business is compromised, the Association fines can range up to $500,000 per Association. These fines are in addition to other liabilities your business may face in connection with a security breach.

Q. What documentation is needed to become PCI compliant?

A. You will need to complete the appropriate self-assessment questionnaire (SAQ) and you may also need to complete a quarterly external network scan. PCI Rapid Comply will help you determine what is required for your business.

Q. When does my business need to become PCI compliant?

A. Your business is at risk at anytime when you are not PCI compliant. It is best to become compliant now and protect your business.

Q. Is my business required to use PCI Rapid Comply to become PCI compliant?

A. No,thereareotheroptionsavailabletoyou.Pleasevisit any of the following Web sites for additional information.

- PCI Standards Council — PCISecurityStandards.org
- isa — usa.visa.com/merchants/risk_management/cisp_merchants.html
- Mastercard — mastercard.com/us/sdp/index.html

First Data Transarmor

The First Data TransArmor® solution is an easy-to-implement payment card security solution that encrypts card data from the moment of capture and replaces it with a random-number token to prevent it from entering the merchant environment after authorization. By combining encryption with tokenization, the First Data TransArmor solution protects cardholders' sensitive information, limits merchant liability and simplifies PCI compliance.

On your terminal

Chargeback Protection

Chargeback's Defined

A chargeback is a transaction that a card issuer returns to a merchant bank as a financial liability and which, in turn, a merchant bank may return to a merchant. In essence, it reverses a sales transaction, as follows:

• The card issuer subtracts the transaction dollar amount from the cardholder's Visa account. The cardholder receives a credit and is no longer financially responsible for the dollar amount of the transaction
• The card issuer debits the merchant bank for the dollar amount of the transaction.
• The merchant bank will, most often, deduct the transaction dollar amount from the merchant's account. The merchant loses the dollar amount of the transaction.

Customer Dispute Chargeback's

Customer disputes are one of the most common reasons for chargeback's.

A customer may dispute a transaction because:

• A credit has not been processed when the customer expected it would be.
• Merchandise ordered was never received.
• A service was not performed as expected.
• The customer did not make the purchase; it was fraudulent.

The most common reasons for chargeback's include:

• Customer disputes
• Fraud
• Processing errors
• Authorization issues
• Nonfulfillment of copy requests (only if fraud or illegible)

Avoiding Chargeback's

Most chargeback's can be attributed to improper transaction-processing procedures and can be prevented with the appropriate training and attention to detail. The following best practices will help you minimize chargeback's.

Declined Authorization

Do not complete a transaction if the authorization request was declined. Do not repeat the authorization request after receiving a decline, ask for another form of payment.

Transaction Amount

Do not estimate transaction amounts. For example, restaurant merchants should authorize transactions only for the known amount on the check; they should not add on a tip.

Referrals

If you receive a "Call" message in response to an authorization request, do not accept the transaction until you have called your authorization center. In such instances, be prepared to answer questions. The operator may ask to speak with the cardholder. If the transaction is approved, write the authorization code on the sales receipt. If declined, ask the cardholder for another Visa card.

Expired Card

Do not accept a card after its "Good Thru" or "Valid Thru" Date.

Cardholder Signature

The cardholder's signature is required for all cardpressed transactions. Failure to obtain the cardholder's signature could result in a chargeback if the cardholder later denies authorizing or participating in the transaction.

Fraudulent Card-Present Transaction

If the cardholder is present and has the account number but not the card, do not accept the transaction. Even with an authorization approval, the transaction can be charged back to you if it turns out to be fraudulent.

Legibility

Ensure that the transaction information on the sales receipt is complete, accurate, and legible before completing the sale. An illegible receipt, or a receipt which produces an illegible copy, may be returned because it cannot be processed properly.

Ignite Payments Security

Telecheck® ECA

• Checks are turned into electronic transactions at the point-of-sale
• Uses the latest risk management tool to determine acceptance and prevent fraud

Card Verification Methods (CVM)

• Numeric codes that are printed on the card, but not embossed nor available in the magnetic strip
• Fraud rates on transactions with verified CVM codes have historically been 80% lower than those without CVM

MOD-10 Product Digital Add Routine

• Used to detect fake plastic cards, this process uses a complex algorithm to determine if the card is valid

Address Verification Services (AVS)

• Verify that the person presenting the card is the cardholder
• Typically used for card-not-present transactions

ClientLine®

• A variety of reports allow you to review and confirm transactions on your account

TransArmor℠ Solution

• Armors and transforms your customers' cardholder information by combining encryption with tokenization technologies
• The token is meaningless to anyone who may breach your database, protecting both you and your customers

Fraud FlexDetect℠

• Fraud prevention and management tool built into the authorization process of the First Data Global Gateway

Online Account Access

My Merchant Office is a site dedicated to merchants of Ignite Payments, allowing business owners to access their merchant account information online 24/7 as well as online customer service all day every day. With My Merchant Office, you can take control of your account with the many features the site has to offer. If you want to run reports on months that you were processing, you can do it right on MyMerchantOffice.com. Plus, you can generate and save the transaction reports so that you never lose track of sales again. You can reconcile deposits, retrieve your deposit information, view detailed reports on chargebacks, and receive prompt answers to questions you submit via e-mail.

Innovative Reporting Tools

Ignite Payments provides web-based (and paper) reporting products that are comprehensive and easily shared

ClientLine® Online Reporting

• Easily analyze payment processing for greater financial insight and better time management
• Monitor interchange at the corporate, division or store level - for maximum effectiveness
• Chargeback notification and help to appropriately respond, meet deadlines and avoid fees

Improve Your Efficiency, Increase Your Profitability

Electronic transactions have changed how you do business. With the ClientLine online reporting tool, you can now manage those transactions with an easy to use, business-friendly online reporting tool.

The ClientLine online reporting tool brings new insight, knowledge and better decision-making within your reach.

Your future success requires that you have the business insight today to make informed business decisions tomorrow.

To help enable this success, let us introduce you to ClientLine® - a robust online reporting tool that can help improve your operation by delivering useful knowledge and greater insight into your business. It's an easy to use, business-friendly resource that helps you answer your largest - and sometimes your smallest - financial and processing questions.

It's just what you'd expect from a service developed by a leader in the financial processing industry. All you need to get started is your computer and Internet access.

Make Informed Business Decisions

You can select from a multitude of reports that can help build a picture of what is important to you and your business. It is updated daily, bringing you information that is timely and applicable. You will see all recent transactions, adjustments, bank deposits and more on a single screen. You can also access details about fulfilled, unfulfilled and expired retrievals, plus chargebacks.

Select Your Reports, Set Your Schedule

The ClientLine online reporting tool lets you choose from more than 70 different types of reports. You can set up a schedule - daily, weekly, monthly, quarterly or annually - for generating the reports you want or simply call them up on demand.

our specific information is securely archived, so you can access historical information from last month, or the past year. Sales swings - up or down - become more evident, allowing you to make changes when required, improving your efficiency.

Create Groups of Stores, Identify Trends

You can easily combine related stores into unique groups to pull important information to help you better manage your business. This gives you maximum flexibility in looking at the performance of a single store, or any group of stores. You can quickly identify trends in sales and performance and take appropriate action.

At your discretion, a store can be a part of more than one group at a time, making it possible for you to compare and evaluate different performance criteria.

Analyze Opportunities, Manage Your Locations

The ability to identify and correct locations that have higher than normal processing costs can add considerably to your bottom line. The ClientLine online reporting tool lets you look at details of a specific clearing plan, identify the locations that contribute to higher costs and pinpoint the causes.

You can see the information at a corporate level summary, then continue to drill down into individual locations. Once you understand the situation, you can take steps to fix it.

Reconcile Your Account, Research Funding Details

In addition to reconciling your bank deposits and batches for virtually all your electronic payment options, the ClientLine online reporting tool lets you research transactions by cardholder number, review sales volume by type of card and more.

Plus, you can also easily review any transactions rejected by processing error. Funding questions are quickly addressed through drill downs into a single funding event, allowing you to view chargebacks, adjustments, fees and batch detail.

Custom Gift Cards

Differentiate and Grow Your Brand with Ignite Payments

The ways your customers buy goods and services are evolving every day. Gift cards continue to grow in popularity with over 93 percent of consumers purchasing or receiving a gift card annually 1. And gift cards can generate more revenue for your business, too. Over 72 percent of consumers report spending more than the value of their gift cards 2.

At Ignite Payments, our global experience across the full payments value chain gives us unique insights into the marketplace, allowing us to develop the most innovative and comprehensive solutions merchants need to leverage more value from every transaction.

Ignite Payments Gift Card Solutions are no exception. The Ignite Payments merchant branded gift card program for local and regional merchants is an affordable, easy to implement solution that enables you to offer your own store-branded gift cards to customers. With optional bundles that include appealing card designs and promotional materials, online reporting and single-form enrollment, you can be up and running with your gift card program in weeks. New enhanced features such as online and third party sales and distribution options, multiple promos to grow and manage your gift card program, and advanced reporting can all take your program to the next level.

1, 2 - 2010 Ignite Payments Gift Card Consumer Insights Study

Industry Leading Expertise & Reliability

Ignite Payments has over 17 years of experience in Prepaid Solutions and tens of thousands of gift card clients. Our prepaid platform delivers secure and reliable technology services - seven consecutive years at 99.9% system uptime.

Automated Set Up

Simple sign-up forms allow your gift card program to be launched within weeks. Ignite Payments merchant processing systems are utilized for automated setup, reporting and billing.

Flexible Offerings

Affordable program bundles include cards, signs, merchandising displays and more. You have the ability to create your own custom card designs or select from a large number of standard designs.

Fraud Reduction

Ignite Payments uses real-time authorization for gift card transactions with direct integration into merchant POS systems. Our system can help reduce the potential fraud associated with paper based gift certifications.

Program Reporting

Online marketing and financial reporting tools allow you to perform back office administration functions 24x7. Reporting is available online, on your merchant processing statement or through your terminal's receipt paper, making it easy to have information available when you need it.

Our Gift Card Solutions

First Data Terminals

*Offer for terminals are being made by THE LR2 GROUP, INC. dba North Bay Cardservice. Restrictions apply. Please call for details.*

Virtual Terminals

First Data Global Gateway℠ Virtual Terminal

Turns any Internet-connected PC into a POS device without installing software.

• Customer and merchant convenience - quickly accepts and processes credit cards, PIN-secured ATM/debit cards, electronic checks and gift cards. Supports up to 200-item product catalog. Completes transactions and end-of-day closeouts from any Internet-connected PC
• Flexibility - grant transaction capability to any number of users. Generate automatic tax calculations, custom receipts and online reports. Schedule recurring billing
• Security - 128-bit Secure Sockets Layer (SSL) encryption. Fraud protection tools. We securely maintain all cardholder data
• Affordability and reliability - eliminates software installations, upgrades and system maintenance, plus includes online support

First Data Payment Software for Windows®

PC-based credit, debit and purchasing-card software—a cost-effective alternative to traditional POS equipment.

• Reduces processing costs - one-time fee for licensing instead of recurring "per click" fees. Eliminates stand-alone terminals
• Saves time for merchants and consumers - quickly accepts and processes credit cards, PIN-secured ATM/debit cards, electronic checks and gift cards. Recurring and installment transaction billing. Easy end-of-day closeouts
• Corporate purchasing capability - upports Visa®, MasterCard® and American Express® corporate purchasing-card transactions
• Top-quality security and data encryption - with Payment Application Best Practices (PABP) validated by Visa
• Application versatility - integrates with existing POS software. Networks multiple installations to form a multi-station terminal. Archives transaction history for up to nine years for more comprehensive reporting

These materials were prepared by Ignite Payments North Bay, an independent sales agent for Ignite Payments, LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Ignite Payments, LLC. is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA.Ignite Payments, LLC is a registered ISO of Deutsche Bank, USA, New York, NY. American Express requires separate approval.