Other Services

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, First Data Independent Sales offers merchants a way to accommodate those customers who still prefer checks as a payment type. Through the TeleCheck Warranty and TeleCheck Electronic Check Acceptance® (ECA®) services, merchants have the ability to accept checks in a safer, more reliable 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 First Data Independent Sales 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 First Data Independent Sales 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.

Terminals

FDIS supports several terminals that support EBT cards, including:

• LinkPoint® 9100G
• LinkPoint® AIO
• Lipman® Nurit 8000 and Nurit 2085
• VeriFone® Omni 3750DC
• VeriFone® Omni 3200SE and VX570
• Hypercom® T7 Plus
• Eclipse®

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