Powerful, Integrated Business Solutions
Banc Certified Merchant Services 5006 Cemetery Rd. Hilliard, OH 43026 Phone: (877) 861-8008 Fax: (888) 226-8219 www.BancCertified.com
elcome and thank you for choosing Banc Certified Merchant Services (BCMS) for your credit and debit card payment processing. Formed over two decades ago, Banc Certified Merchant Services has grown to handle more than $220 million a month in processing transactions. BCMS is a leader in the merchant services industry; we enjoy the distinction of being the registered service provider for two of the most respected banks in the world (Bank of America and US Bank). At BCMS, our business solutions have three elements for success: a design that meets the needs of small and mid-sized businesses, the speed and highest level of security in electronic communication, and Account Executives dedicated to client satisfaction. These principles have earned us an A+ reliability rating from the Better Business Bureau and respect in the industry. On the following pages you will find everything that you need to begin processing credit and debit cards. I encourage you to explore the other business solutions offered to BCMS clients. We look for every opportunity to help you get more value from every transaction. If you have any questions, our dedicated Customer Support Team will be able to answer any questions that may arise. That said, I am always seeking new ways to serve our clients and would welcome your thoughts. Please call me directly at (877) 861-8008 ext. 2222 with your suggestions. Once again, we thank you for the opportunity to serve you. Sincerely,
Ali S. Razi President, BCMS
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Testimonials “Today many companies have lost touch with their customers—not Banc Certified! You are always there when I have a question or concern about my account. With the credit card industry being hit so hard by crooks, it is such a pleasure that BCMS offers such amazing customer service. On two different occasions, you have helped me avoid fraudulent attempts to take over my account. I appreciate your service and concern for my safety.” -Carmela Roush
“Banc Certified Merchant Services fulfilled their promise and lowered our rates. They are saving us over $900.00 annually! I have had three other companies in the last six months insist that they can beat my current rates. No one can even get close. Additionally, I wanted to thank you for the six month followup. In the twenty years I’ve been accepting credit cards, no one has ever done that. Thank you again for being there.” -Bruce E. Parker
“BCMS has terrific customer support! Knowing that your team is always ‘there’ for me is exactly why I’ve remained with BCMS for all of these years!” -Wendi Weiss
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Interchange Qualifications At BCMS, we search for the most innovative methods to get you the most savings possible. Below is a guide to the information that should be entered when your credit card processing POS device prompts you for information. By following this guide, you are ensuring that your terminal stays up-to-date and compliant. Please note, this is just a general guide, as specific situations can alter best practice. If you have questions, please call our office at (877) 861-8008 for support. We will gladly walk you through this process. Common Prompts
CVV Code from back
Last 4 Numbers
Last 4 card digits
Commercial Cards Common Prompts
Your number OR 1111
No right/wrong answer
Their number OR 1111
No right/wrong answer
Use total including tax
Dollar amount without tax
1. Input sale without tax 2. Input tax amount or 10% of the sale. Nothing will be added.
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If Wrong It will accept but warn you. If you choose to accept, there’s no rate penalty, but it risks chargeback. There’s no rate penalty, but there’s a risk of fraud and chargeback if you accept a card with wrong information.
Value-Added Services BCMS Check 180 Financing Sometimes customers are faced with a predicament: Can they afford your product or service? It could be anything: a life-saving emergency, a new couch, a dental procedure, a home improvement project, etc. In this challenging economy, customers need an affordable payment option. When your customers face a financial predicament, our Check 180 Financing plan offers the perfect solution! Your customers can stretch their payments over a 6 month period and you get paid up to $2,500 up front! It works same-ascash. Immediately increase your sales by taking away your customers’ financial worries.
Text Message Marketing The BCMS Text Message Marketing Program is the perfect platform for customer communication. Text message marketing is the newest and most efficient way to reach your customers in today’s busy climate where technology is a staple in most people’s lives. With our text message marketing program, there are a number of creative options that allow you to connect and engage your customers in a way that no other marketing method has done before. The program is so versatile that the applications for use are near limitless. Unlike our competitors, BCMS provides a full service text message marketing program to make marketing easy for you. BCMS will: 1. Set up your account & learn about your business goals 2. Craft a simple plan for integrating texting into your business 3. Set up your keyword & auto responses 4. Design print materials so you can advertise the text program 5. Execute the plan on a weekly basis 6. Help you measure and adjust to get maximum results
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Advanced Funding At BCMS, we want to help you achieve your small business goals. We know that you need funding to do this, and we are here to ensure that you get the funding you need. Rather than make fixed monthly payments, our payments come from the money your make through your credit card sales. We take a small percentage of your sales, so the amount you pay each month is different, and always affordable. With BCMS, you can receive $5,000-$500,000 in unsecured cash. Approval is in less than 24 hours and you receive funding in less than two weeks. Re-payment terms range from 18 to 24 months. Additionally, you do not need any collateral to obtain financing.
Payroll Cards You can reduce the costs of payroll distribution by using payroll cards. A payroll card is a reloadable prepaid card that provides a secure, convenient, low cost alternative to payroll checks. Employee payroll is automatically direct deposited into an account, and your employees withdraw money or spend it by using the card. Participating employees donâ€™t need a banking relationship. With the payroll card, you will reduce the high costs of payroll administration, gain operational efficiencies, and enhance employee security and control.
Gift Cards You can pick from a pre-designed template or customize your own gift card that is easy to activate on your POS terminal. Gift cards act like miniature billboards, improving brand awareness and reminding customers to return every time they see the card. Additionally, gift cards acquire new customers, enhance cash flow, and eliminate cash back. Customers will enjoy giving them away as gifts to friends, family, co-workers, and more.
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ACH Services ACH enables you to process authorized debits from a consumer or business checking account. Debits can be scheduled for a one-time charge or for recurring billing. Using a web-based interface and PC, you’re able to electronically deduct authorized payments from your customer’s account for faster, safer processing. Funds are deposited into the your account in one business day. Scheduling customer billing has never been easier.
Prepaid Debit Cards You could offer Prepaid Debit Cards which allow your customers to load funds directly onto the card and use it for all the things you use cash for—shopping, bill payments, or everyday purchases. The Prepaid Debit Card could be customized to include your company’s logo. The added reward of the Prepaid Debit Card is the increase of sales that come with it.
Electronic Invoicing With our Electronic Invoicing, you can invoice your clients and accept their payments online. They can schedule and pay vendors and employees automatically. Our electronic invoicing is ACHbased, which makes it easy to get paid fast. Our electronic invoicing is easy for you, easy for your customers, and both save time and money.
Certified Utility Services Certified Utility Services offers retail energy savings by negotiating the lowest allowable rates in the industry. Prior to deregulation, customers were forced to buy their electricity and natural gas in a monopolized energy industry. Today, energy has been deregulated in many states, which means customers have the power to choose. Certified Utility Services works with you to provide you with the best rates available on your utility services.
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Important Phone Numbers If you need technical support, billing help, or if you’re interested in any of our additional services, please call one of the numbers below:
BCMS Main Line
BCMS Main Fax
BCMS Technical Support
(877) 861-8008 Ext. 2202
BCMS Account Management
(877) 861-8008 Ext. 2204
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Banc Certified Merchant Services • 5006 Cemetery Rd. • Hilliard, OH 43026 • (877) 861-8008 • www.BancCertified.com BCMS is an Elavon Payments Partner and registered MSP/ISO of Elavon, Inc. Georgia.