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POS Payments

First Data offers some of the most flexible payment acceptance options in the industry, allowing merchants around the world access to a variety of point-of-sale (POS) payment solutions to meet their business needs. We have relationships with all major credit card and debit card companies, including VISA®, MasterCard®, American Express®, Discover®, Diners Club®, JCB® and STAR®. We can provide Electronic Benefits Transfer (EBT), and have relationships with Fleet Card vendors. We offer competitive rates, transaction security, flexible billing and timely, accurate reporting options. We also offer solutions with a variety of connectivity options, such as wireline, wireless and IP.

In this suite

Credit Processing

Fast, easy, secure credit card processing services with all major credit card companies.

First Data has been at the forefront of electronic forms of payment for over 30 years. Credit card processing is at the core of our business and we safely and accurately process more than 23 billion transactions a year. Our processing services enable you to quickly and easily accept credit cards from all major carriers at the point of sale.

First Data Advantages

Help improve your cash flow and increase sales with higher average tickets associated with credit cards. We can help you to operate in compliance with Payment Card Industry (PCI) standards and receive automatic, electronic deposits to your account with the capability for next-day funding, secure data transactions and fraud protection—all features that make credit card transactions easier and secure.

Key components

  • 99.99% up-time
  • Transaction approvals in 1.9 seconds or less
  • Compliance with all applicable card industry standards
  • Potential for next-day funding
  • Flexible product and pricing options to best meet your specific needs
  • Automatic electronic deposits to your merchant account for all payment types
  • Risk management programs to minimize your exposure to fraud losses
  • Online reporting to manage all of your transactions

Debit Processing

Offer your customers a choice with PIN and signature debit options at the point of sale.

Linked directly to customer checking accounts, debit cards are one of the fastest growing payment methods today. First Data offers debit processing with signature- or PIN-secured debit cards so customers can access cash, buy goods, pay bills or use electronic benefits from government assistance programs.

First Data Advantages

You’ll be able to provide customers with a quick and secure way to pay and have the ability to offer cash back with a purchase. For the customer, this means time savings with fewer trips to the ATM. We have a wide range of debit acceptance POS equipment options for you to choose from.

Key components

  • 99.99% up-time
  • Transaction approvals in 1.9 seconds or less
  • Seamless integration into third-party software packages
  • Compliance with all card industry standards including the latest PCI PIN Entry Device (PED) requirements
  • Flexible product and pricing options to best meet your specific needs
  • Automatic electronic deposits to your business account for all payment types

TeleCheck® Check Acceptance Solutions

Accept check payments with lower risk and greater confidence.

TeleCheck® Check Acceptance Solutions allows you to process check payments at the POS using the TeleCheck proprietary risk management tools to minimize returned checks while offering consumers their payment method of choice. For nearly 40 years, TeleCheck has delivered check acceptance solutions that help accelerate your cash flow, lower operating expenses and increase sales.

First Data Advantages

Accept more check payments with less risk and a higher level of protection against fraudulent and returned checks. TeleCheck uses leading risk assessment technology, extensive check writer negative and activity databases to evaluate the risk of accepting a check. We offer both Verification and Warranty Service options so you can determine the risk coverage level that is right for your organization. In addition, we offer Electronic Check Acceptance (ECA), where checks can be converted to electronic transactions at the POS to streamline processing and get you your money faster. And with our TeleCheck Pro21 Settlement option, not only can you process consumer checks electronically, non-consumer checks such as B2B checks, can now be sent electronically too, saving you time and money. With TeleCheck Check Solutions, you can:

  • Make fewer trips to the bank
  • Reduce bank fees and processing costs
  • Improve cash flow and operational efficiencies
  • Streamline back office operations
  • Reduce the risk of lost, stolen or damaged checks
  • Protect your customers’ personal information
You can also help your customers:
  • Reduce the likelihood of identity theft
  • Manage record keeping and easily balance their checking accounts
  • Select the payments that they prefer to use

Key components

TeleCheck products take advantage of our comprehensive, industry-leading set of risk management tools, the extensive check writer negative and activity databases and our unique risk-scoring techniques and tools. Key products include:
  • TeleCheck Electronic Check Acceptance
  • TeleCheck Paper Check Acceptance
  • TeleCheck Lockbox Pro21
  • TeleCheck e-Deposit
  • TeleCheck Electronic Check on Delivery
  • First Data Collections Services
  • TeleCheck Pro21
Customer Success Story

Learn how First Data successfully customized and integrated both its TeleCheck ECA and Dynamic Currency Conversion services to work with existing BrandsMart systems.

More information on each of the products can be found in the downloads below.

Do you own this?

Check Cashing Solutions

Offer payroll, tax refund and government check cashing to customers while minimizing the challenge of fraud.

The First Data Check Cashing Service enables you to offer payroll, tax refund and government check cashing to customers while minimizing the challenge of fraud. VALID Systems® industry-leading biometric technology combined with the TeleCheck Activity Databases have some of the highest approval rates and lowest fraud rates in the industry.

First Data Advantages

With VALID Systems, we offer an integrated check cashing service so you may accept more checks, minimize fraud risks and increase customer loyalty by offering access to services your customers are looking for. Customer registration takes less than 70 seconds with their first transaction and each subsequent transaction takes less than 30 seconds. You’re able to offer your customers flexible payout options including cash, an ATM code or loading the funds to a prepaid card to keep them coming back.

Key components

  • New source of revenue from a portion of the service fee
  • Puts cash in the hands of consumers—while they're in your store—encouraging loyalty and sales
  • Primary need for 40 million Americans without a checking or bank account
  • Return on Investment model proves the equipment cost is quickly made up (often it can be as simple as avoiding one fraudulent check)

International Payment Processing

Accept credit and debit cards in foreign currencies with our International Currency Solutions.

International Currency Solutions from First Data allow you to transact business in your customer’s home currency using only one processor.

First Data Advantages

Conducting business in multiple countries and currencies has resulted in the need for more complex payment processing solutions. Whether trying to convert the currency at the POS or consolidating multiple processors handling different currencies in different countries, International Currency Solution helps streamline your business operations.

Key components

Dynamic Currency Conversion
  • Allows foreign customers to pay for their goods or services in their local currency
  • Offsets existing association fees directly associated with accepting international credit cards and reduces your total cost of acceptance
  • Daily electronic updates of competitive foreign currency exchange rates
Multi-Currency Solution
  • Treasury system that allows you to process transactions in different currencies
  • A front end to authorize and capture payments and account information via integrated systems

Customer Success Story
Learn how First Data successfully customized and integrated both its TeleCheck ECA and Dynamic Currency Conversion services to work with existing BrandsMart systems.

Do you own this?

Automated Clearing House (ACH) Payments

Shifts customer transactions to ACH payments to minimize transaction costs.

Help increase customer loyalty through First Data CONNECTPAY, the turnkey payment solution that enables almost any payment, on any device, to be authenticated, authorized and settled to any customer demand deposit account via ACH.

First Data Advantages

Integrate the First Data CONNECTPAY Solution with your current loyalty program and your customers’ loyalty cards become ACH-based payment cards. The solution connects the loyalty card to the customer’s demand deposit account, which means transaction fees are lower for you versus a credit or debit transaction. We also offer a turnkey solution, providing marketing assistance, enrollment tools, card production and integration with your POS terminal. The CONNECTPAY Solution enables you to increase sales by providing added convenience and savings to your customers and can dramatically reduce transaction costs.

Key components

  • Demand deposit account-specific or multi-funded payment solutions
  • Quick activation and usage
  • Consumer adoption strategy and support
  • Advanced technologies that facilitate easy implementation
  • Secure and easy integration with a broad range of First Data products and services
  • Operational ease
  • Complete program management from beginning to end

PCI Compliance

Ensure that your customer data and transactions are handled safely and securely.

Cardholder security is our first priority. We continually invest in tools and technology to protect our clients’ data and their customers. We assist you in becoming industry compliant by providing the education and tools required to minimize fraud and avoid penalties.

First Data Advantages

To ensure security and compliance, every global First Data business unit that deals with cardholder information is independently validated for compliance with the PCI Data Standards by a certified PCI assessor on an ongoing basis. Every two years, the Federal Financial Institutions Examination Council (FFIEC) conducts a full examination of First Data to validate proper controls and security measures are in place to ensure data is secure and properly handled. In addition, we use Fraud Risk Identification Services to assist in identifying potential fraudulent transaction activity throughout the transaction process.

Key components

  • Industry compliance standards include: Cardholder Information Security Program (CISP), Payment Card Industry (PCI) Data Security Standard (DSS)
  • Compliance with all industry encryption standards for the transmission of data
  • Work with third parties to provide the tools necessary to ensure merchant compliance

Payment Processing Reporting

Simple, accurate, accessible reporting tools to manage your processing business.

First Data offers easy-to-use financial reporting tools including paper statements and Web-enabled products, which allow you to access data that is up-to-date, comprehensive, easily shared and available when you need it.

First Data Advantages

With our online reporting solution, you have 24/7 access to analyze transaction details for all card types, conduct sales audits, manage processing fees, reconcile your checking account, investigate chargebacks, protect against losses, view historical information for analysis and manage cash flow.

Key components

  • Standardized, Web-based reports that give you access any time to payment processing information
  • Dashboard view for a snapshot of essential processing information, including the most recently posted and funded transactions and fees
  • Query builder to construct reports based on selected fields across selected merchant locations
  • Credit, debit and gift card activity summaries for selected time periods
  • Dispute reporting to help you manage chargeback and retrieval expenses

Related Link:
Merchant Insider.com
Access cost-cutting tips, compliance tools and interactive training, plus great prices on processing supplies and equipment. It’s available for current Merchant Services Customers only.

Products and services are subject to change without notice and may not be available in all regions. Restrictions may apply to certain services.