Sage Payments Solutions

Sage Card Processing™

Offering your customers the opportunity to pay with a credit or debit card makes it easier for them to buy.

• Studies show that accepting credit cards increases sales by 15% to 50%.
  There are over 641 million credit cards in circulation.
  Credit card customers are impulse buyers - BE READY!
  Americans are expected to charge $3.9 trillion to credit cards and $1.4 trillion to debit cards a year by 2009.

Sage Payment Solutions provides complete card processing for Visa®, MasterCard®, American Express®, Discover®, Diners Club®, JCB, Debit/ATM, and private label cards for retail, mail order/telephone order and Internet businesses. Value added services include merchant account origination, 24 hr. customer service, equipment and supplies, voice authorization and both online and paper statements.

Features and Benefits

• Great low rates
  Prompt payment of merchant funds
  No equipment purchase required
  Reliable 24/7 Customer Service - Free!
  Quick merchant account approvals
  Secure 24/7 on-line transaction reporting
  Loss prevention specialists protect your business
  Voice authorization services
  Retail, MO/TO, and Internet solutions
  

Free Savings Analysis

Debit Card Payment Processing

Debit card transactions have become overwhelmingly popular in the past few years. There are two types of debit transactions, PIN (online) and signature (offline). Both deduct funds from the consumer's checking account. It is beneficial for businesses who see customers in person to accept both debit types, whereas businesses who do not see their customers should accept signature debit. The more payment options businesses provide their customers, the better.

PIN Debit

With PIN debit, the customer selects "Debit" as the payment method and then after the card is swiped must enter their Personal Identification Number (PIN) into an encrypted pin pad at the point-of-sale (POS) terminal to authenticate their identity. The transaction is transmitted through the electronic funds transfer network and the funds are deducted from the consumer's checking account within seconds.

Benefits:

• Fast settlement of funds
  Reduced chargebacks
  Increased security with PIN debit rather than signature debit transactions
  Less expensive for merchants than signature debit (generally)
  More secure and fewer fraud losses as compared to signature debit transactions

Signature Debt

With signature debit, the customer selects "Credit" as a payment method because the transaction is transmitted through the Visa or MasterCard networks and provides a signature after the transaction goes through. The funds are then deducted from the consumer's checking account. The only authentication is if the consumer is asked for picture ID. Signature debit is sometimes less expensive to consumers than PIN debit, as some banks charge users for PIN based purchases.

Benefits:

• Ability to make debit purchases over the Internet, phone, by mail or at the POS
  Fast settlement of funds - the same as credit cards cure and fewer fraud losses as compared to signature debit transactions

We give you comprehensive, state-of-the-art credit card processing services at the lowest possible cost. Let us provide a FREE analysis of your current processing costs and show you how to save money.

Accepting credit cards increases sales by up to 50%

Encourage customers to buy more. Many items are purchased on impulse, credit cards allow them to spend more and buy more often. Credit cards enhance your business's impression of credibility and offer increased security and convenience to your customers.

Sage Company Overview