Electronic Exchange Systems
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EXS Credit Card Merchant Services

Credit Cards / Debit Cards

EXS understands that with a credit card merchant account, the ability to accept credit cards will dramativally increase consumer purchasing as well as encourage customer impulse buying. EXS's credit card processing services will help you to grow your business and increase your bottom-line profitability. Merchants can increase sales revenues from 40% to over 400% by being able to accept credit card transactions. For this very reason, a merchants ability to accept credit and debit cards as well as check paymens is one of the most important options for retailers, restaurants, salons, hotel and lodging, internet and home based mail-phone order businesses.

ATM/debit cards also provide merchants with an additional means to accept non-cash payments from customers. ATM/debit cards also stimulates customer impulse buying and are very valuable for customers who do not have credit cards and would otherwise have to pay by check or not purchase at all.

EXS also offers Internet eCommerce Payment gateway credit card processing as well as PC-based credit card processing solutions for merchants who do not have a physical storefront presence. For website or mail-phone order businesses, EXS can provide you with a variety of credit card processing service options. Merchants will have the ability to connect to a secure, browser-based interface enabling them to authorize, process and manage credit card transactions from any computer that has an internet connection and a web browser.

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Check Conversion/Guarantee

Check sales account for over 50% of all non-cash payments at the point-of-sale credit card terminal. That's more than $650 billion annually. When merchants accept checks, they make more sales. EXS's check conversion & guarantee services provide the flexibility and immediacy of electronic payments with the comfort and familiarity of paying by check.

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Electronic Check Conversion (ECC)

Electronic check conversion combines the benefits of paper checks with the speed, ease and safety of electronic processing. It's just like accepting a credit card or debit card at the credit card terminal. The check is converted to a paperless transaction by electronically moving funds from the customer's bank account to the merchant's bank account. Combined with Check Guarantee, this service delivers a streamlined check acceptance process that eliminates returned checks and returned check fees, while reducing paperwork and trips to the bank. EXS's Electonic Check Conversion program provides 100% guaranteed payment on all bad checks recieved by the merchant.

Benefits of Check Conversion:

  • Faster check payment processing
  • 100% check guarantee reimbursement on all bad checks you recieve
  • Bank account consolidation and centralized funds for multiple locations
  • Check funds are electronically deposited in your account in 1-2 days
  • No more trips to the bank to deposit checks, saving time and money
  • Returned items are discovered faster, expediting the collection process
  • Quick detection of check fraud
  • Eliminates lost or stolen checks before deposit
  • 24/7 real-time transaction reporting available

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Check Guarantee

Check guarantee minimizes your risk of accepting bad checks. With check guarantee services, the merchant authorizes the check from its database of millions of records, accessing both local and national negative files of unpaid checks.

Benefits of Check Guarantee:

  • Streamlines check approval at the credit card terminal and helps prevent check losses before they occur
  • Accommodates checks from anywhere in the U.S. or Canada
  • Provides full purchase of returned checks
  • Eliminates the cost of collection on dishonored checks
  • Available 24 hours a day, seven days a week

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Merchant Cash Advance

EXS has partnered with Cash Advance Exchange to provide a quick and simple method (as compared to hard-to-qualify traditional bank loans) for merchants to convert their future Visa and MasterCard sales into immediate working capital to help grow their business. Merchants can use their Cash Advance to purchase new equipment, acquire needed inventory, perform renovations, pay employees, pay off bills and debts or use for personal needs. Merchants can use their cash advance any way they wish! Whether you need $5,000 or $500,000, we can help you get the money you need today. Traditional banks decline up to 92% of small business loan requests - with Cash Advance Exchange, the approval rate is over 90%. We make is simple and easy for the merchant to get a quick cash advance. Unlike banks, there are No upfront collateral requirements, No personal guarantee requirements, No extensive tax return or business plan requirements, No application or hidden fees and business owners with bad business or personal credit are accepted. Merchants can get approved in as little as 24 hours with cash funding directly deposited into their bank account within 5-7 days.

How does a Merchant Cash Advance work?
Cash Advance Exchange(CAE) simply purchases a set dollar amount of a merchants 'future' Visa/Mastercard sales at a discount. Then, through an automated process, Cash Advance Exchange seamlessly collects a mutually agreed upon amount by taking only a 'small' percentage from the merchants future Visa/MasterCard transactions. A merchant cash advance offers the merchant an exceptionally easy repayment method utilyzing their existing credit card merchant account processing. In short, CAE gets paid only 'after' the merchant gets paid. Due to it's simplicity and with an approval rate of over 90%, most merchants reapply up to 2-3 times for additional cash advance financing to meet their business or personal needs.

Merchants are finding that recieving a merchant cash advance is the preferred alternative to small business loans from a bank. Why? Because in today's lean economic times, most banks are simply not approving loans to small businesses due to their stringent approval requirements. With Cash Advance Exchange, you have No worries and No hassles when you need the money most.

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Gift & Loyalty Programs

Increase sales revenues and customer loyalty with a Gift and Loyalty Card program.

In today's competitive retail and restaurant environment, the battle to retain customers is fierce. The winners are those who establish and maintain one or more competitive advantages in the minds of their customers. A Gift and Loyalty Program is a powerful way to create a compelling reason for your customers to prefer your business over another and keep them coming back. And...is the very reason why most retailers, restaurants and salons are providing gift and loyalty cards to their customers. They have simply 'proven' to help these types of merchants to drive up sales revenues, increase customer traffic into their location and maximize customer loyalty and merchant exposure.

4 Ways to Profit with Gift and Loyalty Cards:

Gift Cards
A cash-generating product that doubles as a miniature merchant "billboard" in your customer's wallet. Card balances decline as the card is used encouraging repeat visits and limiting cash refunds.

Loyalty & Membership Programs
Acquire customers and retain them - that's the goal. Now you can automatically keep track of customer point balances and transaction activity for a multitude of customer rewards and incentive programs.

Merchandise Credits
Cards can be loaded with the exact value of a product return to use for store credits. Declining balances keeps cash in the merchant location by limiting customer refunds.

Advertising & Promotion
The marketing applications of Gift and Loyalty cards are as wide open as the imagination - from electronic coupons to co-branded cards paid for by one or more merchant suppliers.

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Electronic Benefits Transfer Processing (EBT)

Electronic Benefits Transfer is designed to help you reduce costs and save time in processing government benefits transactions. Electronic Benefits Transfer is currently being tested and applied by the US Government in food stamp distribution and welfare programs.

What is Electronic Benefits Transfer?
Electronic Benefits Transfer (EBT) is electronic issuance to, and the transfer of government benefit funds from, a recipient's benefit account, allowing the recipient to buy goods and services or receive cash. EBT is processed similarly to that of online debit transactions using proprietary magnetic stripe cards in lieu of paper food stamps or paper checks.

Handling governmental benefits transactions electronically:

  • Reduces fraud opportunities
  • Increases fraud detection
  • Improves service delivery to recipient

For supermarkets, food stores, convenience stores, drug stores and mass merchandisers, EBT may have an immediate impact. All states were required by law to switch food stamp programs to EBT by 2002. EBT will likely be the predominate form of payment for this industry, with a potential for 93 million monthly transactions in the United States.

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CONTACT US |  EXS is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA