a strategic partnership for success

Transcription

1 a strategic partnership for success getnationwide.com TM from transaction to satisfaction

2 a strategic partnership for success

3 Nationwide Payments is a Level II PCI DSS Certified Direct Payment Processor handling nearly $4 billion in electronic payment transactions annually for merchants throughout the country. We provide credit, debit and check card processing, electronic check acceptance, e-commerce solutions and custom gift and loyalty card marketing programs. We also provide several special industry programs for governments, schools, universities, parking facilities, utilities and oil companies. Company Overview We have partnered with over regional and national associations, banks, software companies and business organizations to offer co-branded services. We give our partners and merchants the confidence of knowing they have chosen a trustworthy and long-term business partner. Nationwide Payments was founded. Nationwide Payments is listed on the INC 5 list for four consecutive years 8 9 MuniciPAY is released, a custom government payment solution. Nationwide Payments has over Sales Professionals across the country. RetailPAY is released, a hosted payment engine and API interface.

4 Now, more than ever, we depend on Inc. 5/5 Companies to spur innovation, provide jobs, and drive the economy forward. Growth companies, not large corporations, are where the action is. Inc. Magazine Editor Jane Berentson Nationwide Payments Ranks No. 44 on the Inc. 5 5 with three-year sales growth of 3 percent. Inc. 5 5 is an exclusive ranking of the nation's fastest-growing private companies. The list represents the most comprehensive look at the most important segment of the economy America s independent entrepreneurs. The Proof is in the Pudding Nationwide Payments joins Spirit Airlines, Vizio, Honest Tea, and Dunkin Donuts among other prominent brands featured on this year s list. In addition, we had made the list four consecutive years and currently ranks #84 in the financial services industry and #7 overall in the state of Maine. In a stagnant economic environment, the median growth rate of the Inc. 5 5 companies remains an impressive 94 percent. The companies on this year s list report having created 35, jobs in the past three years, and aggregate revenue among the honorees reached $366 billion, up 4 percent from last year.

5 Program Overview Offering your customers valuable tools that make their business more profitable and easy to run is crucial for building a long-term banking relationship. Our Partner Plus program allows your Financial Institution to offer your customers a turn-key Merchant Services Program as part of your own suite of services while assuming no risk or liability. Our program is designed to strengthen branding, increase customer loyalty and build an additional onging revenue stream. What are the Pluses? Generate an ongoing revenue stream from all customer processing activity. Submitting merchant referrals is easy. You can send the information to us via a phone call, or fax. Your customers benefit from a competitive rate guaranty for the life of their relationship with Nationwide Payments. Financial Institutions assume no risk or liability.

6 Value-Adds Credit and Debit Acceptance Nationwide Payments enables your merchants to accept all forms of non-cash payments including Visa, MasterCard, American Express, Discover, Wright Express, Diners, JCB and PIN-based debit cards. Merchant Referral Program We offer a Referral Program that earns merchants up to $ for each business they refer to us. Gift & Loyalty Card Programs Getting new customers can often be one of the biggest challenges for merchants today. Gift cards are a less expensive and more effective alternative to traditional advertising. These customizable programs are designed to promote loyalty, increase cash flow and are an accurate way to track advertising expenses. Competitive Rate Guaranty We guarantee to review any competing offers your customers may receive to ensure their rates remain competitive for the life of their relationship with us. Kiosks Solutions Stand alone kiosk solutions are quickly becoming popular with schools, churches, daycares and government offices. Kiosks can be used to accept donations, electronic payments and registrations in a convenient, secure and economical manner. Mobile/Wireless We have a variety of cost effective solutions for merchants on-the-go. Electronic Check Conversion Electronic check conversion solutions allow merchants to accept both business and personal checks. This service greatly reduces the amount of bad checks, trips to the bank and speeds up the merchant s funding time. Short-term Capital Financing If you are unable to provide traditional financing, short-term capital financing options are available via a merchant s Nationwide Payments merchant account. E-commerce Solutions To remain competitive and reach a wider customer-base in today s market, your merchants need to offer their goods and services online. With our variety of hosted gateway solutions as well as integration options with third party shopping carts, your customers can be selling securely online in no time. No Cost Check Recovery We offer a no cost check recovery program that significantly enhances the check recovery rate of bounced checks. All successfully collected checks are reimbursed weekly to the merchant at percent of the face value of the returned check. This completely free service has an 8 85 percent recovery rate, and greatly reduces internal collection expenses.

7 4/7 Support Nationwide Payments has been the processor for Tri Counties Bank for over 7 years. Of all the other processors Tri Counties Bank has had, Nationwide s commitment has been unparallel. Their customer service, technical support, pricing and service has exceeded all of our expectations. We recommend them to any financial institution that is looking for a superior processor. Regional Merchant Sales Manager, Tri Counties Bank Day or night 365 days a year our customer service and technical support teams are just a phone call away. They are equipped with extensive industry knowledge and committed to providing quality service whenever it is needed. It is our mission to treat industry merchants, Sales Professionals, Strategic Partners, municipalities, and our employees as true partners in our quest to become the standard of ethics in the processing industry.

8 Reporting Residual Manager Gives you a detailed residual report that allows you to monitor the processing activity and profitability detail of each merchant account. Merchant Manager This reporting allows you to view merchants statements, PCI DSS validation status, daily batches, individual transactions, and a history of notes on each individual account. Transaction Manager Our online reporting system that allows merchants to track daily deposits, batches, view billing statements and monitor individual transactions so they can easily reconcile daily activity. Additionally, we offer multi-location merchants the ability to easily monitor and reconcile each of their locations via our on-line reporting system. Sample Monthly Summary Residual Report COMMISION TYPE VOLUME ($) ITEMS #MERCH AVG TKT ($) PROFIT ($) RESIDUAL ($) AGENT RESIDUAL AMEX RESIDUALS CC RESID-HOLD-REJ CC RESID-RELEASE-REJ CC RESIDUALS MCA RESIDUALS MP CHAIN SUMMARY NPS ACCOUNT PAYABLE NPS CHECK SERVICE SET UP FEE COLLECTED WOODFOREST 3,464. 7,984.38, ,564,75.46,5.6 6,67.3 8, , , , (34.46) , (34.46) AFFILIATE RESIDUAL AMEX RESIDUALS CC RESIDUALS NPS CHECK SERVICE , , $9,469,895.8,447 $74.57 $8,33.36 $8,69.6

9 Nationwide Payments 4 Technology Way Scarborough, ME 474 TM from transaction to satisfaction Merchant Billing Statement Merchant Information MID# DBA Company Name RiverHill SAVINGS INSTITUTION For Customer Service, Technical Support or Supplies please call July 4 Customized Billing Statements TRANSACTION SUMMARY Transaction Type Discover (3-39) Visa (4-43) MC (5-58) Sale Items Sale Amount $3. $97. $. Refund Items Refund Amount Net Total $3. $97. $. Average Sale $3. $48.5 $5. Choose from a variety of customized billing statements catered to your needs. Our billing statements are simple, easy to reconcile and available in paper or online. Grand Totals 5 $7. $7. $45.4 BATCH DETAILS * One business day from batch date Batch Date Settled Date* Batch Ref Terminal ID Total Items Batch Total Non Settled Discount Paid Settled 6/3/4 6//4 6/3/4 6/5/4 6/8/4 6//4 6/3/4 6/4/4 6/6/4 6/9/ $57. $6. $3. $4. $4. $57. $6. $3. $4. $4. Totals 5 $7. $7. PASS THROUGH - INTERCHANGE RATES/ITEMS Description Sale Items Sale Amount Refund Items Refund Amount Avg Ticket Intg Rate Intg per Item 35 3 D Corp Commercial Electronic 4 77 CPS Retail - DEBIT 5 3 Merit III - DEBIT 55 3 Enhanced Merit III 8 53 Disc Issuer Access & Settlement Fee 8 54 Visa Issuer Access & Settlement Fee 8 55 MC Issuer Access & Settlement Fee 8 53 Disc Dues and Assessment 8 54 Visa Dues and Assessment 8 55 MC Dues and Assessment $3. $97. $4. $6. $3. $97. $. $3. $48.5 $4. $6. $3. $48.5 $5..3%.3%.5%.73%.%.%.%.95%.95%.95% $. $.5 $.5 $. 75 $.5 $.85 PROCESSING FEES (INCLUDING INTERCHANGE & SETTLEMENT FEES) Description American Express (3) Discover (3-39) Visa (4-43) MC (5-58) Fee Amount $. $.96 $.38 Totals $5.34

10 Hitting the Mark A successful marketing strategy makes a difference. We will work closely with you to develop a marketing strategy that will help maximize the benefits of our partnership including co-branded billing statements, merchant applications, placards and online referral forms to help target your customer base. Added Marketing Strategies Mail out announcement/endorsement letters Nationwide Payments designed flyer for your newsletters Direct mail to all businesses in the local area Website advertising (banners/splash page/referral links) Press release to business journals and local papers Employee Incentive Program

11 Accepting credit cards at your business will INCREASE cash flow. RiverHill SAVINGS INSTITUTION RiverHill SAVINGS INSTITUTION MERCHANT APPLICATION Registered ISO/MSP of Deutsche Bank AG. BUSINESS CONTACT INFORMATION - PRINT LEGIBLY New Add l Loc/MID# Ownership Change DBA Name Legal Name Location Address City Fed Tax ID# Mailing Address TM from transaction to satisfaction State Zip Mailing City State Zip Location Phone Primary Contact Name Fax # Primary Address (required) If information provided does not match the information on file with the IRS, NPS will require the submission of a W9 tax form. Failure to submit a W9 tax form with accurate information will result in a $5 penalty per tax year as well as a 8% withholding per IRS regulation. For more information on T.D Merchant Reporting, please visit IRS.gov. A 99-K report will be provided by NPS each tax year beginning in January. BUSINESS PROCESSING PROFILE (must be accurate) Sole Prop Partnership Corporation Non-Profit (5c doc req) LLC Sample Co-branded Placards CARD SWIPE (mag stripe) w/signature % Date Business Started Prior Bankruptcy? Y N CARD PRESENT/KEY ENTERED w/signature & IMPRINT Sample Co-branded Application MAIL/TELPHONE SALES (MOTO/IO ADDENDUM REQUIRED) INTERNET/E-COM SALES (MOTO/IO ADDENDUM REQUIRED) (Describe Products/Service in Detail - use cover sheet if more space is needed) $ $ $ **Annual Volume **Average Ticket Size **Hight Ticket Amount Describe in detail % Currently accept credit cards at this location or other business? Y N % Seasonal?* Y N *$5 seasonal shutdown fee applies % Are customers reqr d to pay deposits? Y N What % of sales? % # of days product/service shipped/complete? >3 (from time credit card is charged) Website Address: Refund Policy All Sales Final # of days Exchange Only **NOTE: Signer certifies that the average/high ticket, annual volume and business profile indicated is accurate. Signer further agrees that any transaction and/or volume that exceeds the amounts indicated above OR any significant profile or financial charges may result in delayed and/or withheld settlement of funds. Notifying NPS in advance will help avoid such delays. OWNER OR OFFICER INFORMATION (combined equity must equal 5% or higher) ***ALL FIELDS ARE REQUIRED*** First Name Last Name SS# DOB Home Phone Equity % Home Address (no PO Box) City State Zip Partnering with the right credit card processor can DECREASE your costs. That is why River Hill has teamed up with Nationwide Payments to provide credit, debit and check card processing, electronic check acceptance, e-commerce solutions and custom gift and loyalty card marketing programs. NPS also offers several special industry programs for governments, schools, universities, utilities and oil companies. No Hidden Fees or Long-term Contracts Credit, Debit and EBT Processing Competitive Rate Guaranty Outstanding 4/7 Customer Support Web-based Reporting & Reconciliation Custom Solutions by Local Experts Ask to speak with a bank representative. Nationwide Payments is a Level PCI DSS Certified Direct Payment Processor handling nearly $4 billion per year for over, customers. NPS is a registered Merchant Service Provider (MSP) and Third Party Processor (TPP) of Visa, MasterCard, Discover, and American Express. First Name Last Name SS# DOB Home Phone Equity % Home Address (no PO Box) City State Zip MEMBER BANK INFORMATION HSBC Bank USA, National Assocation Merchant Support Group PO Box 363 Buffalo, NY IMPORTANT MEMBER BANK RESPONSIBILITIES IMPORTANT MERCHANT RESPONSIBILITIES. A Visa Member is the only entity approved to extend acceptance of Visa products directly to a merchant.. Merchant must ensure compliance with cardholder data security and storage requirements.. A Visa Member must be a principal (signer) to the Merchant Agreement.. Merchant must maintain fraud and chargebacks below thresholds. 3. The Visa Member is responsible for educating Merchants on pertinent Visa Operations Regulations with which merchants 3. Merchant must review and understand the terms of the Merchant Agreement. must comply. 4. Merchant must comply with Visa Operating Regulations. 4. The Visa Member is responsible for the must provide settlement funds to the merchant. The responsibilities listed above do not supersede terms of the Merchant Agreement and are provided to ensure the 5. The Visa Member is responsible for all funds held in reserve that are derived from the settlement. merchant understands these specific responsibilities. CARDHOLDER DATA SECURITY - PCI DSS ***MUST BE COMPLETED*** Visit pcisecuritystandards.org for more info.. Have you experienced a cardholder data breach? Y 3. Do you electronically store any cardholder Y N N data? a. If yes, date of compromise: a. If yes, where is it stored? On-site 3rd Party Software/Gateway POS Terminal How do you process your transactions? POS Terminal 3rd Party Software/Gateway/Service. Are you PCI DSS validated/certified? Y N 4. Provider a. If yes, date of last audit: POS 3rd Party Software/Gateway Name: Version #: b. If yes, submit authorized assessor certificate POS 3rd Party Software/Gateway Contact Name and #: MERCHANT SITE SURVEY REPORT (to be completed by Sales Professional) Sample Co-branded Counter Tents Merchant Location: Retail Storefront Office Building Residence Mall Kiosk/Tradeshow Booth Other: Area Zoned: Commercial Industrial Residential Square Footage: > The Merchant: Owns Leases the Location Landlord Name & Contact Number: Does this business and the products/services appear to be consistent with this type of business? Y N If no, please explain: By signing below, I hereby confirm that the information on this application is true and correct as the merchant applicant has described and that I have verified the identify of the business, its owners and the signer(s) of this application. I further confirm that I have physically inspected the business premises at the location address stated above. X Sales Professional name and ID # Strategic Partner/Affiliate ID # Sales Professional Signature Date Nationwide Payment Solutions, LLC 4 Technology Scarborough, Maine 474 nationwidepaymentsolutions.com Way, Version.9.

12 TM RiverHill SAVINGS INSTITUTION home about contact RiverHill SAVINGS INSTITUTION home about contact Business Services RiverHill SAVINGS INSTITUTION Business Services from transaction to satisfaction REFERRAL INFORMATION Bank Contact Person MERCHANT CONTACT INFORMATION Merchant Name (DBA) Business Physical Address SOLUTIONS SERVICES PRODUCTS WEB BANKING Home» Services» Business Services» Merchant Card Services SOLUTIONS Business Town/City SERVICES PRODUCTS WEB BANKING Business State, ZIP Home» Services» Business Services» Merchant Card Services Contact Person Banking Business Loans Investments Business Services Merchant Card Services Equipment Leasing Cash Management Sample Co-branded Webpage Merchant Card Services Give your customers a wider range of payment options with electronic payment processing from Nationwide Payments. Increase your average sales ticket, minimize your losses from bad checks and charge backs, differentiate your business by offering more payment options and enhance your customer relationships. Plus, keep track with just one monthly statement and online reporting. To experience the difference and have a representative from Nationwide Payments contact you simply fill out our online form. For more information about electronic payment processing and visit us at: TM from transaction to satisfaction Service & Solutions Credit and Debit Acceptance Competitive Rate Guaranty Gift & Loyalty Card Programs Merchant Referral Program E-commerce Solutions Online Reporting Electronic Check Conversion No Cost Check Recovery Business Phone Banking Merchant Card Services Business Fax Business Loans Give your customers a wider range of payment Address options with electronic payment processing Investments from Nationwide Payment Solutions (NPS). BUSINESS PROFILE Business Services Increase your average sales ticket, minimize Business Merchant Card Services your Structure losses from choose bad checks one and charge backs, differentiate your business by offering more Equipment Leasing Merchant Type choose merchant type payment options and enhance your customer Owners Name relationships. Plus, keep track with just one Cash Management monthly statement and online reporting. Percentage of Ownership % Sample Co-branded Referral Form To Experience the NPS Difference TM and have a representative from Nationwide Payments contact you simply fill out our online form. For more information about electronic payment processing and visit us at: TM from transaction to satisfaction Service & Solutions Credit and Debit Acceptance Competitive Rate Guaranty Gift & Loyalty Card Programs Merchant Referral Program E-commerce Solutions Online Reporting Electronic Check Conversion No Cost Check Recovery locations careers contact us privacy policy locations careers contact us privacy policy

13 Giving Back i n u Na tnershi r a P p ty tio nt s Com m Com m Winston Churchill tne y Par rship P r ram og make a living by what we get, We but we make a life by what we give. it un n w i d Pa y m e e Nationwide Payments wants to help strengthen local communities. For partners that want to give back, we have developed a program to generate ongoing monthly donations to charitable organizations via Nationwide Payments merchant processing activity. Na No cost to participate. ti o The Added Benefits nw id e Pa y m e n t S Raise awareness of your organization with local businesses. Receive monthly donations from a portion of proceeds generated from each merchant account referred. Participating charitable organizations can be recognized on co-branded merchants billing statements.

14 Northern California National Bank in Chico, California have been Strategic Partners with Nationwide Payments for over 5 years. on s am Grow With Us We have experienced outstanding service from all the staff at Nationwide Payments. This is a company that is dedicated to providing the best possible service to both the customer and the financial institution. Their follow thru is excellent and the products and pricing are very competitive. I am especially impressed with the turn around time for installation. I would highly recommend Nationwide Payments to anyone needing merchant services as their preferred vendor. Thank you. Sincerely, AVP Customer Service Manager, Northern California National Bank