Merchant Products And Services

First Data Independent Sales services by Cardservice International (FDIS) believes in the promise and value small to medium-sized businesses offer the marketplace. As such, our abundance of product offerings delivers multiple options for merchants to tailor payment solutions that fit their transaction processing needs. We support terminals available from leading vendors, including LinkPoint^®, TeleCheck^®, VeriFone^® and Hypercom^® — all of which provide multiple noncash payment options to enhance customer experience and to help increase in-store foot traffic.

Wireless merchants also have a number of terminals to choose from, including comprehensive payment processing terminals from LinkPoint, Lipman Nurit^®, ExaDigm, Way Systems and Semtek.

E-commerce merchants can choose from advanced applications facilitated through the LinkPoint^® Secure Payment Gateway which include:

• LinkPoint Central
• LinkPoint Connect
• LinkPoint API
• LinkPoint VirtualCheck^SM

Services

FDIS processes major credit cards including MasterCard^®, Visa^®, PIN-secured and signature debit, American Express^®, Diners Club^®, Discover^® Network and JCB^® cards. In addition, we offer the TeleCheck^® Warranty and Electronic Check Acceptance^® (ECA^®) programs, process credit cards over the telephone with our TeleCharge^® service, accept purchasing cards from merchants corporate clients and provide gift cards designed uniquely for each merchant. Additionally, FDIS is backed by the expertise of First Data Corporation.

Product Feature: Warranty and Electronic Check Acceptance (ECA)

First Data Independent Sales services by Cardservice International offers two services through TeleCheck: Warranty and Electronic Check Acceptance (ECA):

• Warranty. Provided all requirements are met, TeleCheck guarantees that merchants will receive payment on all checks that they properly authorize through the system.
• Electronic Check Acceptance (ECA). ECA converts paper checks into electronic transactions at the point of sale and deposits these funds into the merchant's direct deposit account (DDA) generally within two business days. If the check is returned by the customer's bank, the return goes directly to TeleCheck, not to the merchant. The merchant pays no returned check charges. This service also includes guarantee capability.