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Integrated Check And ACH Electronic Processing Technology Launched

Universal Payment Processing Platform Expands on Existing Credit And Debit Card Services

Lighthouse Pt., FL July 27, 2011 – 3D Merchant Services, a payment processing solutions consultancy, today announced CenPOS, an electronic payments developer, launched a new integrated check and ACH authorization solution. Merchants now have a single host-based solution for checks, credit and debit cards, EBT, gift and loyalty, from all sources including retail, mobile, call center and Internet.

CenPOS check services are currently certified with CrossCheck, T-Tech, and NCT and include check 21, check conversion, ACH, and check guarantee options. Checks can be processed one by one or in a batch via the Smart Virtual Terminal, the core of the CenPOS payments processing platform, where all payments flow through. The virtual terminal is accessible via FTP, web browser and API.

“A major benefit for merchants is having a single reporting dashboard for all payment types, improving efficiencies in accounting and providing critical business insights,” said Christine Speedy, CEO of 3D Merchant Services and a CenPOS direct agent. “Reconciliation is simplified, and merchants get all the other benefits of CenPOS, including mitigating risk and least cost routing,” continued Christine.

“A significant technology advancement is the ability to automatically route based on merchant managed rules. For example, a merchant may want to assume the risk for personal checks under $500, but use a check guarantee service for checks over $500. The merchant can further send checks for $500 to $1000 to one provider, and for over $1000 to another provider. Merchants have unparalleled flexibility to mitigate risk and manage costs.”

After a cashier enters the sale amount, the technology switch dynamically determines the desired service provider, and prompts the cashier for information required by that particular processor. Merchants are empowered to mitigate risk of unsuccessful future claims against bad checks and manage costs of accepting checks. Check authorization is also fully integrated into the Electronic Bill Presentment and Payment solution, enabling businesses to push out invoices via email and collect payment. CenPOS stores seven years of transaction data, dynamically searchable by numerous fields, to maximize business insights and minimize disruption during internal changes.

Integrated check and ACH services are immediately available. For additional information or for a demo, contact Christine Speedy at 954-942-0483 or visit www.3Dmerchant.com.

About 3D Merchant Services
3D Merchant Services is the marketing entity for a CenPOS major account sales team. 3D Merchant Services is engaged in growing CenPOS direct business relationships with ISO’s, banks, and resellers. The team also works with merchants directly, analyzing their methodology and cost of payment processing and associated services, and providing solutions through direct partner relationships. For more information contact 3D Merchant Services at (954) 942-0483 or visit www.3Dmerchant.com. Sales@3dmerchant.com

About CenPOS
CenPOS is a global technology leader for payment processing. The company develops solutions for merchants to accept, process and reconcile electronic payments, including credit and debit card, check, EBT, gift and loyalty. The proprietary payment engine includes retail, mobile, and ecommerce solutions, and provides merchants with unique insight and fraud protection. For more information visit www.cenpos.com and contact Christine Speedy at (954) 942-0483 or cspeedy AT cenpos.com.

Finding someone who can offer you Pin-less debit is not as easy as finding a merchant processor. Not every merchant processor offers this service.

Nor can every business offer pin-less debit. Only those who provide regulated services, including utilities, lenders and government agencies can offer it.

Online debit has increased from <20% to over 45% in recent years. This represents a huge opportunity for eligible businesses to reduce costs. Pin-less debit costs a lot less than traditional online debit transactions.

As merchants demand relief, there may be additional regulatory changes in this area.

3DMerchant.com is the web site for First Payment Systems representative Christine Speedy. First Payment Systems is an Independent Service Organization for First Data, Chase Paymentech and others, all of whom offer pin-less debit. Not all ISO’s offer pin-less debit.

If you are ready to implement pin-less debit now or you need additional information, please call us at 954-942-0483. It could save you a bundle.

New TowerGroup Research Examines Obstacles to Success of Alternate Payment
Mechanism

NEEDHAM, Mass., Sept. 11 /PRNewswire/ — In the mid-1990s, the electronic funds transfer (EFT) networks debuted PINless debit, or PINless bill payment, as a new, low-risk way for billers to collect payments from consumers. New research from TowerGroup estimates that PINless debit bill payment volume in 2007 will be at least 40 percent higher than in 2006. However, various obstacles to its adoption will cause PINless debit to remain a small percentage of overall bill payments (0.45 percent).

PINless debit allows consumers to pay bills through a remote channel by entering their debit card number without the personal identification number (PIN). Since its introduction, transaction volume has grown steadily as billers and their customers explore this alternative. However, adoption of PINless debit continues to face many challenges, including: inconsistency in industries eligible for participation; functionality; and card eligibility.

PINless debit offers benefits to billers that “split the difference” between credit cards and ACH debits. PINless debit, like credit cards, provides guaranteed funds. ACH does not. However, PINless debit does not have the higher fee structure associated with credit cards. PINless debit can be used to pay bills for which credit cards as a payment method are simply precluded, such as credit card invoices themselves. It is also an
additional method to increase overall adoption of electronic payments, a common goal for billers and suppliers in the bill payment value chain.

The new research report, titled “PINless Debit: Finally Taking Off or Headed for a Crash Landing,” by Jennifer Roth, a senior analyst in the Global Payments practice at TowerGroup, identifies the challenges related to PINless debit bill payment, the methods for overcoming these obstacles, and the durability of PINless debit as an alternate payment method.

At TowerGroup, Roth’s research focuses on electronic bill and invoice presentment and payment, including the Internet environment and otherchannels in which it can be delivered. She also examines consumer funds transfer, remittance processing, and the domestic electronic funds transfer networks supporting payment processing infrastructures.

About TowerGroup: TowerGroup is the leading research and advisory services firm focused exclusively on the financial services industry. A respected source for trusted information and advice, TowerGroup brings many of the world’s leading financial institutions, technology companies, and professional services firms a deeper understanding of the business and technology issues impacting their organizations. Headquartered near Boston in Needham, Massachusetts, and with offices in North America and Europe, TowerGroup serves a global client base.