Products & Services

At Heritage Payment Solutions, we know that each merchant is unique. That is why we do not have a standard approach for all of our customers. Instead, we have an extensive line of in-house products to pick and choose from to formulate the exact processing plan to meet your needs. No gimmicks, no third parties, and most importantly, no hassle.

It's our goal to show you how to process all forms of payment in the most cost-effective and efficient manner.

• We can use your EXISTING equipment.
• We can ADD to your existing equipment and make your system as efficient as possible.*
• We can set you up with brand NEW state-of-the-art equipment using our merchant exclusive wholesale purchase or lease program.*

*All equipment meets Payment Card Industry (PCI) standards.

Heritage Payment Solutions owns and operates all of its products, so you can be sure that you will receive the same quality service with each product you need.


Credit Card Processing
Debit Card Processing
EBT Card Processing
Check Services
E-Commerce Solutions
Online Reporting
Gift Cards
ACH Services
Point-Of-Sale Equipment Leasing
ATMs
Remote Deposit Capture

Heritage Payment Solutions also offers Merchant Cash Advance through our key partnerships.

Credit Card Processing
Credit card processing is a necessity for today's merchants, and Heritage Payment Solutions makes it quick and easy for you. We support the latest point-of-sale equipment on networks that process billions of dollars in credit card transactions each year. Whether you need a retail merchant account, restaurant merchant account or Internet merchant account, Heritage Payment Solutions has competitively priced credit card processing solutions to help your business succeed.

Heritage Payment Solutions offers credit card processing for a variety of businesses:

• Retail
• Retail with Tips
• Restaurant
• Lodging
• E-Commerce
• Mail Order/Telephone Order
• Auto Rental

Credit Card Processing...another powerful solution from Heritage Payment Solutions!


Debit Card Processing
Debit card use is increasing every day. In fact, industry analysts report that nearly one third of U.S. consumers prefer using debit cards to make everyday purchases over any other form of payment.

Add debit card processing to your merchant account, and give your customers an additional payment option. Debit cards are secure and convenient for both merchants and consumers. With debit card acceptance, merchants are free from the risks and hassle of checks. In addition, debit transactions are less expensive to process than credit card transactions, allowing you to keep more of your profits. Consumers benefit from the speed and security of the debit card transaction, plus they enjoy the added convenience of optional cash back.

Heritage Payment Solutions can process your debit card transactions quickly and easily through our direct connection to regional and national debit card processing networks.

Debit card transaction benefits:

• Reduced check out time
• More convenient than accepting checks
• No signature required
• PIN access provides additional security
• Bad checks, credit card chargebacks, and counterfeit worries are eliminated

Debit Card Processing...another powerful solution from Heritage Payment Solutions!


EBT Card Processing
In addition to credit card processing, debit card processing, and check services, Heritage Payment Solutions enables eligible merchants to accept Electronic Benefits Transfer (EBT) cards. Most states now issue Food Stamps, WIC (Women, Infants and Children), and TANF (Temporary Assistance for Needy Families) benefits on an EBT card. Using the same equipment to process EBT as credit and debit, you can easily add EBT acceptance to your merchant account and offer this additional payment type to your customers.

EBT Card Processing...another powerful solution from Heritage Payment Solutions!


Check Services
Despite the increasing popularity of credit and debit cards, checks have remained a leading payment method in the U.S. marketplace. Whether you prefer paper or electronic transactions, Secur-Chex® check services are designed to fit your business, your way.

With Secur-Chex®, you can choose to process your checks electronically or use traditional paper transactions. Secur-Chex® offers four check service all developed to fit your individual needs.

Check Services...another powerful solution from Heritage Payment Solutions!


E-Commerce Solutions
If you're looking for an affordable Internet merchant account with an easy-to-use payment gateway, then look no further than FirstPay.Net™ 2.0 all-inclusive e-commerce solutions!

Why go to multiple companies to get a complete e-commerce solution? FirstPay.Net™ 2.0 gives you everything you need to succeed. There is no easier way to sell products and services online.

E-Commerce Solutions...another powerful solution from Heritage Payment Solutions!


FirstView® Online Reporting
FirstVIew® online merchant account reports are a secure, fast and convenient way to access your processing data anytime, anywhere you can connect to the Internet. Robust reporting features combined with easy navigation offer a detailed accounting of all your merchant activity, down to an individual transaction.

• No software to download or purchase
• All functions available 24 hours a day, 7 days a week
• View merchant statements online
• Build reports based on monthly, daily, or even individual transactions
• Transaction, chargeback and retrieval reports all at your fingertips
• Choose to view a single location or multiple locations on one report
• Access your information anywhere you use the internet
• Advanced encryption keeps your sensitive data safe from prying eyes

FirstView® Online Reporting...another powerful solution from Heritage Payment Solutions!


Gift Cards
Almost 50 million adults purchase gift cards each year, outnumbering paper gift certificates four to one. Gift cards are a fun and convenient way to shop for any occasion. As opposed to paper gift certificates, gift cards are more durable, easier to track, reusable, difficult to counterfeit, and an attractive way to market your company.

Recent studies show that companies offering gift cards have increased profits up to 30 percent. By offering gift cards, your company can:

• Increase sales
• Build brand awareness
• Create customer loyalty
• Reduce operational expenses
• Gain new customers

Experience the benefits of gift cards through FirstAdvantage® Gift Cards. FirstAdvantage® is accessible for every type of merchant and offers numerous advantages:

• Low Start-up cost
• Low monthly fees
• No minimum card order (on standard designs)
• Easy implementation
• Includes a comprehensive Starter Kit
• Free online reporting for monthly statement and transaction history
• Online access to card balance

Gift Cards...another powerful solution from Heritage Payment Solutions!


FirstFund® ACH Services
FirstFund® ACH allows you to automatically transfer payments to and from your bank account without the hassle of preparing invoices, handling checks, or going to the bank. FirstFund® can be used as a one-time billing method or for recurring payments. It is ideal for gym memberships, club/association dues, daycare or tuition payments, dentists' offices, or any other business seeking to electronically invoice and receive customers' payments. FirstFund® provides secure, efficient ACH payment processing so that you can focus on other aspects of your business.

Why FirstFund® ACH?

• Bill and collect credit card and/or ACH payments from your customers automatically
• View reports and use from any Internet location - no software needed
• Edit ACH transactions up to 4:00 pm (EST) and receive funds within 24 hours
• Save money by no longer paying for expensive postage to mail your invoices
• Schedule recurring and future payments
• Allow multiple users to complete transactions, assigning security limits individually
• PCI compliant data storage allows you to create accounts for frequent customers
• Get e-mail notifications for returned items
• Available for smart phone, web, telephone, CCD and PPD transactions

FirstFund® ACH Services...another powerful solution from Heritage Payment Solutions!


Point-Of-Sale Equipment Leasing
Financing the equipment you need to process transactions can be expensive, but Merimac Capital ® makes it affordable. Merimac Capital® has the point-of-sale equipment leasing solution to fit your needs and your budget, whether you need a simple credit card terminal or an ATM. And because Merimac Capital® is part of Heritage Payment Solutions, you can receive your point-of-sale equipment leasing and merchant account from the same reliable, convenient source. With Merimac Capital® you get:

• Flexible point-of-sale equipment lease programs
• Personalized, friendly service
• Low factors and competitive rates
• Simple lease verification
• Lease held to term, not sold to third party
• One company point-of-sale for equipment leasing and merchant account

Point-Of-Sale Equipment Leasing...another powerful solution from Heritage Payment Solutions!


ATMs
Cash remains a leading form of payment for consumers. Why let a customer leave your place of business to get money, only to never return? An ATM in your establishment provides your customers easy access to cash and increases your profits. Studies show that on average, 20 percent of the money withdrawn is spent at the ATM location.

Retail, restaurant, convenience store, hotel - no matter your type of business, an ATM is an ideal solution for your business.

Add an ATM at your location and you can:

• Increase profits
• Increase traffic
• Increase sales
• Gain repeat customers

ATMs...another powerful solution from Heritage Payment Solutions!


Remote Deposit Capture
Today, checks are still the number one non-cash payment method in the United States. In fact, a recent survey from Celent says that checks represent 75% or more of total receivables for over two-thirds of small businesses.

Simply Deposit, a web-based remote deposit capture system specifically designed for small to mid-sized businesses, can help meet the needs of this lucrative market segment.

Make deposits in less than five minutes with the intuitive software and seamlessly-integrated scanner. Review detailed reports, track deposit history, and access images of checks with this software that requires little to no training. Get access to your funds the next business day for checks deposited by 8:00 pm (EST).

Benefits of Remote Deposit Capture:

• Convenience - Faster availability of funds and later deposit cut-off times.
• Cost Savings - Less time spent traveling to the bank saves both time and gasoline expenses.
• User-Friendly - Little or no training needed to use the software and seamlessly-integrated scanner.
• Efficiency - Review reports, deposit history and check images...all of the information you need right at your finger tips.
• Faster Funds Availability - Generally, funds will be available the next business day.
• Ecologically Responsible - Electronically depositing checks saves time and fuel/energy costs as the physical checks no longer need to be transported by car, truck and airplane through the check-clearing system.

Remote Deposit Capture...another powerful solution from Heritage Payment Solutions!


Merchant Cash Advance
Let Heritage Payment Solutions help you grow your business through a merchant cash advance. Through our company partnerships, we help businesses turn their future credit card sales into working capital. It's an easy and convenient way to get the money you need into your business right when you need it.

Merchant Cash Advance is designed for business owners who:

• Appreciate funding aligned with their business' revenue stream
• Need working capital quickly
• Do not want to spend time filling out complicated applications
• Manage a profitable, credit-worthy business but have not been able to obtain traditional funding

Imagine what your business could do with extra cash:

• Renovate
• Open new locations
• Manage seasonality
• Expand your business
• Cover emergency needs
• Purchase inventory
• Upgrade equipment
• Advertise

Contact Heritage Payment Solutions for complete details and see how a Merchant Cash Advance can benefit your business.

Merchant Cash Advance...another powerful solution from Heritage Payment Solutions!