Chase Paymentech Solutions,LLC.€¦ · 1 Chase Paymentech Solutions,LLC. “FAST START” CREDIT CARD MERCHANT Avon Licensee Representatives must be approved by Paymentech and authorization

1

Chase Paymentech Solutions,LLC.

“FAST START” CREDIT CARD MERCHANT

Avon Licensee Representatives must be approved by Paymentech and authorization documentation must be included with submission to Avon of

Licensing Application and Licensing Agreement Credit Card Merchant: PAYMENTECH

Dustin Wilson at (800) 619-1982 (x-7455) Specifics negotiated by Avon

$25.00 Set-up fee

Three Year Contract (If terminated prior to 3 years must give 30 days written notice and there will be a penalty fee of $ 250.00. for early termination.) This is in the contract. Provided in the packet is a cancellation form.

If your Lease space is only for 90 - 180 days, the minimum contract that will be offered under these circumstances

will be a 1-contract. You must provide proof with application regarding the length of your leased space; otherwise your application will not be processed. Be sure to write on the contract, that this is a 1-year contract. (The cost to the processing company to set up an account on the system is $600.00) You are still responsible for the remainder of the 1- year contract and 30-day notification is still required.

1-877-765-8669 (24 hrs per day/7 days per week Customer Service)

Seasonal Accounts: • Must request “Seasonal Account” (otherwise the account will automatically shut down with 90 days of

inactivity and an additional set-up fee will be charged if re-activated. Application Information

Contact: Dustin Wilson at (800) 619-1982 (x-7455) • You must advise Paymentech that you are an Avon Licensee to qualify for favorable rates. • The doing business name must have “Avon Beauty Center” as part of name. You can abbreviate to ABC in

dba name but total can only can be 25 characters in name including spaces.

Provide the following information: • Name, Home Address, Telephone and Fax Number • Social Security Number • Business Name, Business Address, Telephone and Fax Number • Supporting Documentation (personal financial statement or prior year’s Income Tax Return and a voided

business check) Paymentech will fax an application to our prospective Avon customer. Which must be completed and returned to

Paymentech. Approval/Denial is done within one week 7 – 10 days after approval, the Terminal/Imprinter is delivered and credit cards can be accepted

Processing Information

Paymentech electronically transfers funds to Licensee’s business checking account within 72 hours Rate is electronically debited from Licensee’s business checking account at the end of each month (25th)

2 If renting or leasing equipment a debit will be done by our Vendor “Northern Leasing”. Not by Paymentech.

Your rental or lease number is on your bank statement for this debit in the reference number.

Rate determined by: The best rate for Master Card is swiped Merit III (credit & debit) and a Visa card swiped Visa CPS Retail (credit & debit). Any card that is keyed / swiped cost more (2.89% vs. 2.07% per transaction.) Debit refers to cards that can be swiped but access someone’s checking account. Does not need to enter pin code. • Method of approval:

Terminal/Swipe Terminal/Swiper

Data/phone line required • Only one line necessary; splitter will only tie up line while in use to obtain approvals.

Equipment Choices: See attachment for styles.

Eclipse Terminal- Integrated terminal/printer/check reader • Purchase Price $725.00 • Lease Price $42.00 per month-36 month lease • Rental Price $ 55.00 per month

Omni Intergrated 3200 SE w/Printer • Purchase price: $595.00. May purchase Mag Tek check reader. ($285.00) • Lease Price: $43..00/and Mag Tek check reader –36 Month Lease • Rental Price: $ 55/month with Mag Tek check reader

Paymentech offers a 1-year Lease for equipment, for those using a 1-year contract Only: (Due to Space Agreement.)

• Omni Intergrated 3200 SE w/printer & Check reader $ 70.00 per month • Omni Intergrated 3200 SE Only w/printer $50.00 per month • Eclipse Terminal $ 70.00 per month • If account is closed & Equipment is not returned, You are still responsible and will be billed for each

piece of equipment not returned & the account will be turned over to the collections department. • If you wish to buy out your lease or rental or have any questions with billing please contact Paymentech’s

representative directly at Northern Leasing: Ms.Yelena Ferens at 1-800-683-5433 ext. 8552. RATES:

Rate Visa/Master Card = 1.99 % + $0.10 per transaction Discover & Amex Fee: = $0.15 per transaction Voice Authorization Fee: = $ 0.65 (ONLY IF YOU NEED TO CALL THE AUTHORIZATION CENTER

FOR AN APPROVAL) AVS (address verification) for keyed transactions)= $0.15 per transaction $25.00 ACH reject fee will be charged if we can not deposit your funds or debit our fee’s. Chargeback Fee $10.00 per item ISSUES or Complaints:

If you are having a problem please call customer service first- be sure to get the name of the representative, you are working with. If you do not have the problem resolved to your satisfaction. Please e-mail Ms.Nancy Oti at Avon Corporate, who will contact our corporate representative at Paymentech WELCOME TO PAYMENTECH and OUR BEST WISHES FOR A SUCESSFUL BUSINESS

3

Avon Franchise Account Cancellation Form Date: _______________________ Merchant Number:__________________________ Merchant Doing Business as name:_________________________________________ Reason For Cancellation: Please check (1) Business closed Migrated to different processor Sold Business

Please fax closure form to Denise Hagen at 212-875-4089

hardware solutionsOmni 3200SE

durable terminal and printer solution

The Omni® 3200SE payment terminal simplifies transaction processing tasks and delivers exciting new features in a sleek,

stylish profile. It gives you the consistent, reliable performance characteristic of VeriFone Omni terminals.

The Omni 3200SE offers enhanced ergonomics and improved performance in a remarkably compact, stylish design. You get

an intuitive ATM-style interface, lightning-fast processing, an integrated thermal printer and installation that’s a snap.

operational features:

• Sleek, compact design requires less counter space.

• Single power cord and convenient cable connection simplify

installation.

• Reliable, integrated thermal printer results in faster and

quieter transactions. Clam-shell design facilitates drop-in

loading to virtually eliminate paper jams and withstand heavy

usage at the countertop.

• Easy-to-use ATM style interface, with angled rubber keys and

screen-addressable function keys, virtually eliminates training

and minimizes clerk errors.

• Large backlit display provides improved readability under any

lighting conditions.

• Powerful graphics-handling capabilities of both the display

and printer enable you to quickly render graphical fonts and

character-based languages.

• Supports VeriFone PINpads.

• Triple-track card reader improves read rates, accommodates

all magnetic-stripe cards and enables bi-directional support.

www.paymentech.com 1-800-579-8803

PARTRET-003 0105©2005, Paymentech, L.P. All rights reserved.

technical specifications:Processor

Z180 CPU

Memory1 MB RAMOptional: 512 KB

Display 128 x 64 pixel graphical LCD display with backlighting

Supports the following configurations:6 x 8 characters/8 rows x 21 columns8 x 16 characters/4 rows x 16 columns16 x 16 characters/4 rows x 8 columns

Card ReaderBi-directional: supports triple track (tracks 1, 2, 3)

Keypad 3 x 4 numeric keypad, plus eight soft function keys and four screen-addressable keys

Peripheral PortsTwo telco ports, one RS-232 port and one PINpad/barcode port

PrinterClam shell, thermal, 13 lines per second MTBF: 4 million lines Graphic printing capability Paper: 2.25 in standard (58mm) roll; single ply

Modem Bell 103/212A (300/1200/2400 bps) CCITT V.21/V.22/V.22 bis (300/1200 bps/2400 bps) Asynchronous dial modem2400/1200 bps synchronous dial modem

Physical Height: 79mm (3.1 in.) Width: 132mm (5.3 in.)Depth: 260mm (10.25 in.)Weight: 785gm (1 lb. 11.45 oz.)

Environmental 0° to 40° C (32° to 104° F) operating temperature;RH 95% maximum

Voltage Standard: Input 120 VAC, 60 Hz

Output: 22 VAC, 2A Optional: Input 100-240 VAC, 50-60 Hz

Output: 24 VDC, 1.5A

Electronic Check Acceptancesm (ECA®) service

The TeleCheck Electronic Check Acceptance (ECA) service revolutionizes check acceptance and eliminates the hassles

of processing paper checks by combining online authorization with electronic capture for settlement via the ACH network.

Utilizing the new EclipseTM payment terminal, the ECA service quickly and easily converts and then integrates

check transactions with other electronic payments (such as credit, debit and FlexCache transactions) at the

point of sale. Paymentech also supports electronic benefits transfers (EBT) and state account truncation/

expiration date suppression requirements.

how the ECA service works (and works for you):

When a check is presented for payment, simply insert the check into the terminal and enter the amount of the transaction.

The check is authorized through TeleCheck and within seconds a response is received. If approved, the terminal prints a receipt for

the customer to sign. By having the customer’s signature,TeleCheck can electronically present the check to the customer’s bank.

And with the ECA service, the electronic transaction is the responsibility of TeleCheck.That means you will never see a returned

check or returned check fees.

At the end of day, just close the batch and print the check detail or summary report to view all the checks processed. No

more trips to the bank to deposit checks or time-consuming paperwork; the ECA service handles it all. It’s that simple.

Your customers will also enjoy the added security the ECA service offers. Not only will they have the same float time as a

paper check, but the risk of fraudulent activity is diminished. And if you have customers who are uncomfortable with using the

ECA service, you can process their checks using traditional methods.

hardware solutions

HARD-005 1203


TeleCheck®

your single source for all payments:

The only terminal you'll need,TeleCheck’s Eclipse terminal combines credit, debit, FlexCache and check processing into a

sleek, compact solution. Streamline your retail or restaurant business operations with the one terminal that can process all your

non-cash payments electronically. And with a touch-screen user interface, built-in printer and full reporting capabilities, the Eclipse

terminal is the perfect choice for you.

benefits for you:

• savings – Costly returned checks and fees are eliminated.

• efficiency – Funds are automatically deposited to your account within

two business days.

• convenience – Customers can enjoy the same float time as they would

with a paper check.

• security – Reduce the risk of fraudulent check transactions.

• control – Customers receive a complete record of the transaction on

their bank account statement.

specifications:Payment Choices

Visa®

MasterCard®

American Express®

Diners Club®/Carte Blanche®

Discover®/NOVUS®

JCB®

Debit /EBTChecksTeleCheck® Electronic Check Acceptancesm (ECA) ServicePaymentech FlexCache Program

Check SupportIntegrated check readerSupports check imaging (300-dpi capture)

Card SupportDual-track magnetic stripe readerAddress Verification Service (AVS)CVV2Purchasing Card (Level II)

HardwareIntegrated check readerStores up to 300 credit/debit transactionsStores up to 500 check transactionsLarge, back-lit graphical display (8 lines x 20 characters)32-bit, 24 MHz processorModem—14.4 kbps synchronous/asynchronous2 RJ-11 telephone jacks for modem and telephone connections

PrinterHewlett-Packard Inkjet PrinterSingle-color cartridge Prints on documents and roll paper 4.5 lines per second

providing the solution for:

• speed – Instantly authorizes credit card, debit card, stored

value card and check card transactions.

• control – Stores up to 300 credit/debit card transactions

and up to 500 check transactions, reducing closing frequency.

• flexibility – Supports all payment options, including credit

and debit cards and checks.

• ease – The back-lit touch screen display is easy to use and

provides excellent visibility even in low lighting.

• tip processing – For both retail and restaurant locations.

• efficiency – The state-of-the-art check reader converts

paper checks into electronic items.

• reporting – Provides reporting for all payment

information—credit, debit, FlexCache, checks—and

includes both totals and detail reports.

• convenience – Dual-track magnetic stripe reader

automatically collects and inputs data from credit cards

and drivers’ licenses, reducing errors and saving time.

• training – State-of-the-art check reader helps reduce

clerk error.


• check imaging – Captures valuable information from

the front of the check, allowing you to process most

checks without identification.

• printing – Integrated printer voids ECA® checks and

franks non-ECA checks.

• processor – 32-bit, 24Mhz

processor speeds up

authorization and

transaction time.

• modem – 14.4 modem results in faster downloads.

TeleCheck

Electronic Check AcceptanceSM Service &

Eclipse Payment Terminal

Launch Kit July 2002

Eclipse/ECA Launch Kit – July 2002 Paymentech, L.P.

Confidential & Proprietary 2

TABLE OF CONTENTS

What is ECA©? 3

How ECA Works 4 Benefits of ECA 5 Frequently Asked Questions 6 ECA-How Much Does it Cost? 8 Inquiry Rate Chart 9

Check Guarantee Program 10

Check Guarantee-How Much Does it Cost? 10 Set Up of TeleCheck Services 11 The Eclipse Payment Terminal 12

How the Eclipse Works 13 About the Eclipse Hardware 14 Features & Benefits of the Eclipse 16 Functionality of the Eclipse 17 Receipts & Reports 18 Cost of Equipment 33

Set Up Instructions 33

Set Up Responsibilities 33 Set Up Details 34 Pre-Entry 34 Enrollment 34 Tandem 35 TMS 35 TASQnet 35

Target Markets 36 The Sales Pitch 38 Common Questions & Objections 39 Eclipse/ECA Product Sheet 41



What is ECA ?

Designed to mirror the process currently used for credit cards, the TeleCheck Electronic Check AcceptanceSM (ECA ) service is a process that converts paper checks into electronic items at the point-of-sale. The electronic check transaction is authorized and settled in a similar manner to credit card transactions.

The electronic check transactions are processed through the ACH (Automated Clearing House) system and the funds are automatically deposited into the merchant’s bank account, cutting paperwork and helping to improve cash flow. The ECA service combines the benefits of paper checks with the safety, speed, and ease of electronic funds transfer and delivers a streamlined check acceptance process. With the ECA service and the TeleCheck Check Guarantee Program1, if the check fails to clear the check writer’s account, the merchant will never see a returned check or returned

check fees. The bad check (or transaction) becomes the responsibility of TeleCheck, who pays the merchant either the face value or the warranty maximum2—whichever is lower. TeleCheck released the ECA service in June 1998 following nine months of extensive testing and a limited market introduction. During the test period, TeleCheck processed 125,000 point-of-sale transactions at 300 merchant locations in six test markets: Boston, Cleveland, Houston, Orlando, St. Louis, and San Diego. Since that time, TeleCheck has sold ECA to over 35,000 merchant locations. For more information about TeleCheck Services, Inc. visit their website, www.TeleCheck.com.

1 For more information about the TeleCheck Check Guarantee Program, see page 10. 2 The warranty maximum is a cap on the amount that is covered by TeleCheck, per the terms and conditions, the standard amount is $5,000.00.



How to Process an ECA Transaction on the Eclipse Payment Terminal

1. Insert the check into the check reader or touch CHECK on the Eclipse touchscreen. 2. Enter check amount

a. The payment terminal dials the host. b. Eclipse may prompt the clerk to enter driver’s license # or other ID #.

3. The clerk swipes or manually enters required ID information. 4. The transaction is approved or declined.

a. If the transaction is approved, a receipt will print. b. The customer is asked to sign the ECA receipt.

5. If the customer signs the receipt, the check transaction is now an ECA transaction. a. A customer copy receipt prints on the back of the check. b. The front is automatically voided by the Eclipse payment terminal. c. The Eclipse payment terminal prompts the clerk to give the check back to the

customer. If the customer does NOT sign the receipt, the transaction will proceed as a standard paper check transaction (non-ECA).

a. The clerk must insert the check face down. b. The back of the check is automatically franked for deposit. c. The merchant keeps the paper check for deposit at his bank.

How ECA Works • The check writer will complete and present his paper check as usual. • The clerk inserts the check into the Eclipse payment terminal to authorize the check

through TeleCheck. • The clerk then gives the check writer a printed ECA receipt for his/her signature.3

The check writer’s signature authorizes TeleCheck to electronically present the transaction to the check writer’s bank for settlement per Reg-E requirements.

• Once the receipt is signed, the check is automatically voided and the check writer’s

receipt is printed on the back of the check. The check is then returned to the check writer.

• ECA transactions are transmitted to the TeleCheck host during settlement. • The funds are automatically deposited into the merchant’s account by TeleCheck,

usually within two days. A description of the transaction is included in the check writer’s statement.

3 If the check writer does not want his check processed electronically, the check is automatically franked (merchant’s information is printed on the back of the check) for deposit.



Benefits of ECA For the merchant:

• Reduced paper work, simplifying end of day balancing and deposit preparation.

• Reduced deposit fees.

• Returned checks and returned check fees eliminated for checks processed through the ECA service.

• Improved cash management.

• Saves time on data entry.

• Reduced trips to the bank.

• Reduced check fraud.

• Lowered net cost of checks.

• Acceptance of checks from the U.S., Canada, and Puerto Rico.

• Electronic funding handled on checks just like credit cards.

For the consumer:

• Maintain the same float as paper checks.

• Reduced risk of name, address, driver’s license and other personal information being used fraudulently.

• A complete record of transaction on bank statement, including merchant name,

check number, settlement date and amount.



Frequently Asked Questions

1. What is the TeleCheck Electronic Check AcceptanceSM (ECA ) service? The TeleCheck Electronic Check Acceptance (ECA) service captures information from a paper check and converts it into an electronic item that is processed through the Automated Clearing House (ACH). The consumer signs a printed receipt authorizing the electronic transaction. A copy of the receipt along with the check is returned to the consumer. The consumer’s monthly bank statement will display the merchant name, amount of the transaction, settlement date and the check number.

2. Why is the ECA service becoming so popular?

Converting paper checks to electronic checks is a natural progression, using proven technology to make checks faster and easier to process. It is also consistent with the push by the federal government and industry groups to develop and implement electronic transactions.

3. What are the possible merchant benefits?

The ECA service offers merchants a number of benefits, including a reduction in paperwork and improved cash flow. With the ECA service and check guarantee, merchants will never see a bad check again, because any returned checks become the responsibility of TeleCheck.

Reduced Paperwork – End of day balancing and deposit preparation are greatly simplified with the ECA service. Reports printed from the Eclipse payment terminal help the merchant know what has happened during the business day. Once the payment terminal batch is closed, the merchant is assured that deposits are automatically made through the ACH network, usually within two business days. Also, while the ECA service won’t completely eliminate the need for trips to the bank, it will reduce the frequency, ultimately saving time and money.

Improved Cash Flow & Cash Management – merchants improve their cash management since their ECA funds are available usually within two business days. In addition, merchants with several locations can automatically deposit checks into a consolidated account.

4. What are the possible consumer benefits?

Consumers will continue to benefit from the float of a paper check, since the electronic check is processed through the banking cycle in the same amount of time as traditional paper checks. In most cases, the check writers will no longer have their driver’s license or credit card number written on the check, reducing the risk of that information being used fraudulently. Reconciling bank statements is easier, since more detailed information is provided on the statement.



5. What will the check writer’s statement look like? A complete description of the transaction is included in the check writer’s bank statements for reconciliation purposes, including check number, merchant name, settlement date and amount. It will appear with other electronic payments, such as direct payroll deposits or ATM transactions.

6. Will the check writer be charged by his bank for selecting this option?

We know of no financial institution that is charging consumers for ACH transactions.

7. Why wouldn’t a consumer just use a debit card?

Many consumers prefer checks for record keeping purposes, security reasons and for the float. In addition, not all consumers have access to debit cards.

8. How do banks feel about the process?

Most financial institutions will benefit from a reduction in labor-intensive handling of paper checks and will be able to control costs better through a proven, electronic processing system. Corporate banks may strengthen their relationships with their merchant customers by encouraging electronic checks at the point-of-sale.

9. How exactly is the money being moved? What is the process?

The check is processed from the point-of-sale as a standard Automated Clearing House Electronic Funds Transfer (EFT) item. The ECA service is a natural extension of the capabilities of ACH.

10. Why does the customer have to sign an authorization slip?

The Eclipse payment terminal captures the amount, check number, account number information and signature on the check, but the consumer has to sign a printed ECA receipt to authorize the electronic transaction. The check along with a copy of the authorization slip is returned to the check writer.

11. What happens if the check writer’s account gets debited twice?

In case of an error or dispute, consumers have 60 days from the posting date to notify the bank, the same time frame they have today with paper checks. The bank is responsible for reviewing the dispute or error.

12. Is this process safer for the consumer?

Companies that process payments electronically (checks, credit cards, ATM’s) must follow government guidelines. Consumers retain the same rights they currently enjoy in disputing fraudulent items posted to their account.

13. Is this process regulated by any government agency?

The electronic process is governed under Regulation E, which governs all electronic processing, such as ATM and credit card transactions.



ECA-How Much Does it Cost? In addition to the TeleCheck inquiry rates (similar to discount rates from associations), the merchant will also be charged the following fees:

Rate: See Page 9 Monthly Processing Fee: $5 per location

Monthly Minimum: $35 per location

If the merchant rate does not calculate to $35 or higher, this is the minimum amount that he/she will be charged.

Per Transaction: $0.21

ECA Chargeback Fee: $5 per item

Customer Requested Operator Call: $1.50 per call



TTEELLEECCHHEECCKK SSEERRVVIICCEE IINNQQUUIIRRYY RRAATTEE CCHHAARRTT

LOW RISK INDUSTRIES Rate 1.65%

HIGH RISK INDUSTRIES Rate 2.10% Description MCC SIC Description MCC SIC Apartments, Condos & Single Family Dwellings

7299 Accounting Services 8931 8721

Candy Stores & Bakeries 5441 5441 Amusement Parks 7996 7996 Cleaning & Laundry Services 7210 7210 Associations 8641 Comic & Card Shops 5947 Clothing Men’s & Boy’s 5611 5611 Construction Materials (wholesale) 5211 5039 Communication Services 5732 5732 Convenience Stores 5499 5499 Electronics (Television & Stereos) 5732 5732 Day Care Centers & Social Services 8299 8399 Emergency Care (Outpatient) Clinics 8062 8093 Drug Stores & Beauty Supplies 5912 5912 Health & Reducing Clubs 7997 7991 Furniture (Fine) 5712 5700 Jewelry Stores 5944 5944 Garden, Nurseries & Feed Stores 5261 5261 Legal Services 8111 Golf Courses (Public) 7992 Luggage & Leather Goods Stores 5948 5948 Golf Courses (Private) 7997 Office Supplies 5943 5112 Golf Driving Ranges 7999 Paint Glass & Wallpaper 5231 5231 Golf Equipment 5941 Photo Finishing & Studios 7395 7221 Grocery Stores 5411 5411 Professional Sports Clubs & Promoters 7941 Home Furnishing 5719 5719 Taverns & Bars 5813 Hospitals 8062 8062 Industrial Equipment & Supplies (wholesale) 5211 5085 Meat Markets 5499 5499 Optical Services 8042 5995 Optometrists 8042 8042

Physicians 8011 8049

Postal Services 5972 4311 UNACCEPTABLE (Refer to TeleCheck)

Printing & Copying 7338 7334 Adult Oriented Business

Rentals Long-Term 7394 7394 Auto & Truck Dealers

Rentals Short-Term 7296 7296 Auto Dealerships

Restaurants 5812 5812 Auto Rentals

Shoe Stores 5661 5661 Bingo/Pool Parlors

Tobacco, Cigar & Pipe Shops 5993 Business Services Check Cashing

Credit Repair Business Gaming

Home-based Business Insurance Agents Insurance Providers

MEDIUM RISK INDUSTRIES Rate 1.95% Internet Business

Mail Order/COD

All other industries Michigan-based Business Multi-Lane Grocery Chains Pawn Shops Video



TeleCheck Check Guarantee Program

Houston-based TeleCheck Services, Inc. helps merchants eliminate the risk of bad checks by providing access to the industry’s largest and most accurately maintained databases and risk management systems. TeleCheck’s positive and negative databases capture check activity as it occurs. These systems can predict with unmatched accuracy the probability of a check being good. This enables merchants to welcome low numbered, out-of-town, even out-of-state checks with confidence. The Check Guarantee Program’s account status data, compiled by participating financial institutions, is on-line and updated daily. It contains account number information and status codes, but does not contain proprietary information such as account balances. It can be accessed through check readers, manual key entry on specific terminals, or the Eclipse payment terminal with ECA. TeleCheck’s check guarantee service is the base of the ECA service. Both ECA and check guarantee access the same reliable databases, while ECA goes a step further with electronic settlement of the check transaction.

Check Guarantee-How Much is It? In addition to the TeleCheck inquiry rates (similar to discount rates from associations), the merchant will also be charged the following fees: Rate: See Page 9 Monthly Processing Fee: $5 per location Monthly Minimum: $35 per location If the merchant rate does not calculate to $35 or higher, this is the minimum amount that he/she will be charged. Per Transaction: $0.21 Customer Requested Operator Call: $1.50 per call

E

How Do I Set Up TeleCheck Services?

Due to contractual limitations with TeleCheck, Paymentech will not be able to re-sell ECA or Check Guarantee services to the following types of merchants: • A current TeleCheck subscriber, or a merchant that has been a TeleCheck

subscriber within the last six months • Ace or True Value Hardware Stores • Merchants listed as Unacceptable on the Inquiry Rate Chart • MOTO merchants • Annual check volume exceeding $10 million • Merchants based in Michigan

Forms & Procedures

1. Fill out the TeleCheck Service Agreement 2. Fill out the Reference & Credit Check

Authorization Form 3. Submit the forms along with other

paperwork to your set-up team. 4. Each set-up team will forward the TeleCheck paperwork

to TeleCheck, after the merchant has been approved by Credit.

5. TeleCheck will set up the merchant on their database. 6. TeleCheck contacts the merchant for training and

configuration of the check service. 7. Paymentech contacts the merchant for training of the

credit card application.

Forhttp://fo -

Agree

Where are the forms? ms are available electronically at cus.paymentech.com/45/Forms-And

clipse/ECA Launch Kit – July 2002 Paymentech, L.P.


ments/TelecheckForms/default.htm

http://focus.paymentech.com/45/Forms-And-Agreements/TelecheckForms/default.htm

http://focus.paymentech.com/45/Forms-And-Agreements/TelecheckForms/default.htm



The Eclipse Payment Terminal The Eclipse is the first integrated payment terminal to securely, conveniently and economically capture the name and address information from a check. The Eclipse payment terminal reads the check MICR line both magnetically and optically, virtually eliminating errors reading the MICR number. The Eclipse’s imaging capabilities enhance the TeleCheck ECA service allowing capture of all four quadrants of the check. TeleCheck is currently the only check acceptance company in the industry offering an imaging terminal solution for the ECA service. The Eclipse terminal only supports TeleCheck’s check authorization services. The Eclipse has been developed by TeleCheck and VeriFone , and is manufactured by VeriFone. The Eclipse payment terminal automatically voids ECA checks and franks non-ECA (paper) checks. The result is that ECA transactions flow smoother at the point-of-sale. The Eclipse payment terminal utilizes an integrated inkjet receipt printer that uses single ply non-thermal paper. The Eclipse payment terminal supports all major credit cards, FlexCache program cards, debit cards with optional PIN Pad 1000 or 2000, Purchasing Card (Level II) and Commercial Cards, AVS and CVV2. The Eclipse terminal with the NGPT application supports both Retail and Restaurant locations. Application Features Account Truncation Standard due to state legislation Address Verification Service For both Retail and CNP, using Mail Order function key AMEX Split Dial Ability to authorize AMEX transactions directly from AMEX CVV2 Option For manually entered transactions DUKPT Debit EBT Food stamps & cash benefits Electronic Check Acceptance Through TeleCheck Expiration Date Suppression Standard due to state legislation FlexCache Program Support Fraud Control Option to enter last 4 digits of card number Level II Purchase and Commercial Card Processing Optional P.O. # and tax prompting Open/Close Tab Transactions and reporting Password Protect Available on certain transactions Recurring Billing Allows manually entered recurring transactions to qualify as recurring instead of Mail Order/Telephone Order Retail Tips Ability to adjust sales to add tips while processing as retail Server Processing Reporting available Tip During Sale For counter pay restaurants Tip Processing For Restaurant locations Tip Reporting Open and close tabs, and server reporting



How the Eclipse Works Credit Card Transaction Processing NOTE: Purchasing Card (Level II) and corporate cards are supported using the credit card function. The software recognizes the card type by the BIN number. 1. Swipe or touch CREDIT on the touchscreen. 2. Enter the amount of the transaction. (Payment terminal will dial) 3. If approved, the Eclipse™ will display approval code, print the merchant copy, and

prompt YES/NO for printing a customer copy of the receipt. Debit Card Transaction Processing 1. Swipe or touch OTHER – DEBIT on touchscreen. (Manual entry of debit card

numbers are not allowed). 2. Enter purchase amount on the terminal. 3. Enter cashback amount. 4. Touch YES if total amount is correct. 5. Customer enters PIN number. (The terminal will dial). 6. If the transaction is approved, a receipt will print. FlexCache Card Transaction Processing FlexCache transactions—issuances, redemptions, balance inquiries, etc.—must all be accessed by pressing OTHER, then GIFT CARD on the terminal. Check Transaction Processing 1. Insert the check into the check reader or touch CHECK on the Eclipse touchscreen. 2. Enter check amount 3. The clerk swipes or manually enters required ID information. 4. The transaction is approved or declined.

About the Eclipse Hardware Terminal Description: Height: 3.95” Width: 5.75” Depth: 11.4” Weight: 4 lbs. 128 x 64 backlit graphic LCD display. Eight-line screen display, with 20 characters per line with standard font. Touchscreen interface for simplified use and training. No function keys. Clear protective cover. Check Imager: • Designed for easy check insertion. • The check is automatically returned to the user. • Dual read (reads on first pass and on second pass when returned to user) improves

first read rate and eliminates MICR read errors. • Imager has the ability to read each quadrant on the check and just send what the host

is requesting.

Card RReads Reads



1. Check writer name and address information. 2. Bank name and address. 3. MICR information (transit, routing, and check number). 4. Check number.

eader: Track 1 and Track 2. Driver’s License and other form of ID with magnetic stripes.

1

23

4



Printer: First POS inkjet printer – a roll printer and slip printer in one unit. Utilizes standard Hewlett Packard 51604A plain paper inkjet cartridge. As silent as thermal. Users plain paper single ply 76mm x 58mm roll. The unit will auto-feed the new roll. Allows for voiding of check for ECA transactions and franking for non-ECA checks. Ports and Connectors: The back of the Eclipse terminal has ports for:

• Power connector (uses table top power supply - #07316-1) • Three RS-232 connectors:

Serial 1: Share cable, if applicable Serial 2: Serial/Download Cable Serial 3: Optional PIN Pad

• Two interchangeable RJ-11 telephone line connections Optional Hardware: VeriFone PIN Pad 1000

VeriFone PIN Pad 2000

Power ConnectorRJ-11 Phone Jacks

3 2 1



Features & Benefits of the Eclipse

Feature

Benefit

• Supports the ECA service, credit cards, and debit. • Only one terminal required for most non-cash payments.

• Touch Screen Application with backlit screen. • User-friendly interface. • Simple training and easy operational use. • Ideal for low light work areas.

• Integrated document and receipt printer. • Utilizes less counter space. • Fewer cables and cords. • More cost effective than buying equipment

separately.

• Terminal prints VOID on front of ECA checks and franks the back of non-ECA checks.

• No messy stamps. • Subscriber # and approval code printed on the

check. • Makes check deposit easier for non-ECA

transactions.

• Improved check reader. • Converts paper check to an electronic item more accurately.

• Driver’s License Mag Swipe. • Eliminates manual entry of ID#, speeding up transaction time.

• Stores check image. • In most cases merchants will no longer be prompted for Driver’s License on ECA transaction.

• Stores up to 300 check transactions and 300 card transactions.

• Reduced closing frequency.

• Full reporting capability. • Provides easy access to all payment information, including totals and details for all payment types.



Functionality of the Eclipse ��Processes, authorizes and settles Visa and MasterCard , American Express /Optima ,

Discover , Carte Blanche , Diners Club and JCB credit card transactions.

��Processes, authorizes and settles both electronic (ECA ) and paper checks through TeleCheck.

��Debit processing.

��Purchasing Card Level II, Corporate Card and Business Card functionality for Visa and MasterCard.

��Sale/Credit Force (approved transaction entered outside the terminal) ��Voids and Corrections, including Tip Adjustments

��Full support for retail and restaurant business types, including Address Verification

Service (AVS), CVV2, server/tip processing, and invoice/ticket number.

��Total and detail reports for all transaction types.

��Manual and automatic report generation.

��Refund and Void password protection.

��Transaction storage capacity is 300 check and 300 card transactions; “BATCH ALMOST FULL” prompt at 250 transactions.



Receipts and Reports Default IDLE Screen:

Credit Sale (Retail) Receipt Credit Sale (Restaurant) Receipt

Terminal will toggle approximately every 3-4 seconds between these two screens when idle.



Authorization Only Receipt Pre-Authorization (Restaurant) Receipt



Debit Refund Receipt Debit Sale with Cash Back Receipt



Credit Refund (Retail) Receipt Credit Refund (Restaurant) Receipt



Credit Force (Retail) Receipt Credit Force (Restaurant) Receipt



Open Tab Close Tab



EBT Sale (Foodstamp) Receipt EBT Sale (Cash) Receipt



EBT Refund Receipt



EBT Voucher (Foodstamp) EBT Voucher (Cash)



EBT Inquiry (Foodstamp) Receipt EBT Inquiry (Cash) Receipt



Electronic Check Reprint



Steps to Print or View Reports:

The Eclipse payment terminal provides total and detail reports. To display or print a check total or detail report, simply touch CHECK, then touch REPORT. Options appear to View Totals, Print Totals, View Details or Print Details; touch the desired option.

To display or print credit card reports, touch the CREDIT button, touch the ARROW button, touch the REPORT button. Options appear to View or Print Totals, View or Print Cards, or View or Print Details; touch the desired option.

Sample Viewed Reports



Card Type Summary Report Terminal Summary Report

Totals Report Open Tab Report



Transaction Detail Report Server Report



Server Detail Report



For Status of Me Accoun

and Merchcontact Benc

What Does the Equipment Cost? For current pricing, refer to the Equipment pricing located on Focus on either the Business Development site or the Product site. Pricing is subject to change and should be reviewed periodically for updates.

Set Up Instructions The following lists the responsibilities of each group for correct set ups of the Eclipse Payment Terminal. Set Up Responsibilities Sales/CRM: Submit the following to the appropriate set up team:

• Merchant Application • TeleCheck Agreement • TeleCheck Credit & Reference Form • Original EDC/POS Order Form

o Indicate Eclipse, quantity desired, and the application. For example, 1 Eclipse, Retail with FlexCache Application .

Set Up Team: Detailed procedures for set up are included in this section on pages 34-35. Please refer to these pages for WorkFlow Manager, TMSuites and TASQ-net entry instructions.

• Create or assign the PNS Merchant ID • Setup on the FDMS backend platform • New account setups should be keyed into WorkFlow Manager

(which feeds the Tandem, TMS, and TASQ systems). • Forward TeleCheck paperwork to TeleCheck.

Note: For status on progress of Merchant Application or Account Set Up contact Benchmark Servi TASQ:

• Deploy equipment after downloading then running a test transaction. TeleCheck Phone Trainer:

• Contact merchant for training on check application. Paymentech Phone Trainer/Installation:

• Contact merchant to install hardware. • Train on POS Application

Merchant: Begin processing.

rchant Application,t Set Up,

ant Training - hmark Services.

ces.



TeleCheck entitlement keyed here.

Set Up Details Step 1: Pre-Entry Set Up Details Requirements Submit the following to the appropriate set up team: Merchant Application EDC/POS Form TeleCheck Agreement TeleCheck Credit & Reference Form Step 2: Enrollment Set Up Details (Set Up on FDMS through WFM) New accounts should be keyed through WorkFlow Manager. The following steps and screens show the specific fields that must be set up. After the account has passed through Credit, the TeleCheck Agreement and Credit & Reference Form must be forwarded to TeleCheck.



Step 3: Tandem Set Up Details WorkFlow Manager feeds merchant and terminal information to Tandem, it is not necessary to access Tandem for keying. Only when setting up Stored Value must Tandem be accessed for the appropriate build of the HCS record. An HCS record is only required if the merchant is accepting Debit/EBT, Stored Value or SCAN. Step 4: TMS Set Up Details WorkFlow Manager feeds the terminal information to TMS for the appropriate build of the download file. TMS builds should utilize one of the following templates for hardware QUART, application NGPT:

• PNS_Retail_Telecheck_Giftcard • PNS_Restaurant_Telecheck_Giftcard

Step 5: TASQ-net Set Up Details TASQ-net is fed from the WorkFlow Manager system. If reviewing the accuracy of parts ordered, the following are the appropriate part IDs for the Eclipse terminal. Eclipse Payment Terminal N-PT-ECLIPSE

Select Eclipse as a purchase, rental or lease option. The Eclipse is available for restaurant and retail.



Target Markets Users - Merchants Currently Using Paper Check Acceptance Services Merchants currently using paper check acceptance services will find that the ECA service and the Eclipse payment terminal will reduce many of the inconveniences currently associated with check acceptance. Merchants benefit from: • reduced paper handling • simplified end-of-day balancing and deposit preparation • fewer trips to the bank • reduced deposit fees • no returned checks or returned check fees on ECA transactions • improved cash flow and easy cash management capabilities • reduced check fraud

Non-Users - Merchants Who Take Checks But Are Not Currently Using A Check Acceptance Service Merchants not using check acceptance services are also great sales prospects. In fact, ECA actually opens the door to a vast number of merchants who previously did not feel they would benefit from a check acceptance service. Merchants who previously said "I don't have a bad check problem" or "I know all of my customers" or "My business is too small to use a service" can be sold with the ECA product offering. Why? Because with ECA, most of these objections are gone! Because TeleCheck is facilitating the electronic movement of money into their bank account, practically any business that accepts checks can benefit from ECA. Merchants Not Currently Accepting Checks Potential sales opportunities include merchants currently not accepting checks today as a form of consumer payment. By combining the ECA service and the Eclipse payment terminal, these merchants can safely begin accepting checks from the US, Canada or Puerto Rico knowing they have the industry's most sophisticated check approval system backing them up. And with the ECA service and check guarantee, the merchant will never see returned checks or returned check fees. The bad check or ECA transaction becomes the responsibility of TeleCheck. Best Targets for the ECA Service Merchants with annual check sales under $10 million will be your best candidates for the ECA service. There are several categories of merchants TeleCheck considers top candidates for the ECA service. In general, merchants providing services seem to be very interested in ECA services - whether it is an auto repair shop, a veterinary office or an optical dealer. Of the 35,000 merchant locations that have signed up for ECA, the following categories stand out as early adapters of this revolutionary new service: Animal Services Communication Services General Auto Repair Auto Parts & Supplies Computer Hardware & Software Gift, Novelty & Specialty Shops Auto Services Convenience Stores Optical Services Auto Tire Dealers Dentists & Orthodontists Pet Stores & Supplies

Auto & Truck Dealers (New) Electronics Sporting Goods Clothing Furniture & Antique Stores Veterinary Services



Small to Medium Sized Merchants Small to medium sized merchants will appreciate the ability to process checks, credit and debit cards with one terminal. The integrated printer means fewer electrical cords under the counter and a smaller footprint. Preliminary studies indicate that the smaller the merchant, the more important cash flow becomes to them. The ECA service funds the merchant’s bank checking account usually within two business days, improving cash flow. Merchants in Industries Vulnerable to Check Fraud The TeleCheck point-of-sale check fraud index has identified wine/liquor, jewelry, apparel, department/discount stores, electronics stores, retail optical services and gift specialty stores are more likely to experience check fraud. Industries such as grocery/convenience stores and hospitality/convenience locations (including restaurants and taverns, hotels, amusement parks, recreation services and professional sports clubs) are just above the national average for check fraud. According to the TeleCheck data, check fraud is on the rise overall and continues to be an area of concern for all merchants. TeleCheck has advanced risk assessment capability and the largest positive and negative databases in the industry. Coupled with the imaging capabilities of the Eclipse payment terminal, the TeleCheck ECA service can greatly reduce a merchant’s risk of check fraud. The Eclipse payment terminal and the ECA service are a perfect lead-in when selling to merchants in these vulnerable industries. While check fraud alone is not the driving force behind a merchants decision to chose ECA, check fraud continues to be a problem, costing merchants literally millions of dollars a year in losses. If a merchant is in a high-risk category, the TeleCheck ECA service coupled with the Eclipse payment terminal with imaging capabilities can help deter check fraud.

• Very High Risk - wine and liquor, jewelry, apparel, department/discount stores, electronics stores, retail optical services and gift specialty stores.

• Above Average Risk - grocery/convenience stores, hospitality and service/convenience industries such as restaurants and taverns, hotels, amusement parks, recreation services and professional sports clubs.



The Sales Pitch ECA allows you to differentiate yourself from the competition and take the "one step shopping" concept to the next level. Your competition will not be opening their sales pitch with ECA - so you should be! Also, remember to focus on selling the ECA service and not a terminal. The Eclipse terminal is the "enabler", allowing the merchant to complete ECA transactions smoothly and easily at the point-of-sale. When talking to merchants, be sure to say "Electronic Check Acceptance", not just ECA. Many merchants may not be familiar with the ECA service, therefore, you will need to define the concept and differentiate it from other check programs, such as guarantee or verification. Merchants will listen to what you have to say when they hear words they have never heard before. Be sure to stress the following "new" words: 1. Hand the check back to the customer! 2. Paid electronically, usually in two business days like a credit card! 3. No need to take the check to the bank! The ECA service is a new concept for most sales representatives and merchants alike. However, everyone is familiar with electronic draft capture (EDC) credit card processing and the benefits it brings to all merchants - both small and large. When you are selling the ECA service you will want to explain that ECA processing mirrors the process used for EDC credit card processing and offers similar benefits. To simplify your description of the ECA service and to help explain the benefits in one sentence - remember the phrase that pays: "JUST LIKE A CREDIT CARD". It's an easy way to define the ECA service in one quick sentence that everyone understands. What About Other TeleCheck Products? The standard TeleCheck Guarantee program is still available for merchants that are not interested in the ECA service at this time. There may be merchants that are unsure of the ECA service, or how their customers will react to it. However, they may be willing to try Guarantee services with the Eclipse terminal as a first step.



Common Questions & Objections 1. How much does it cost? It's similar to cards. Your discount rate will be X.XX% and a transaction fee of

$.XX per check. 2. I (don’t) won’t be taking checks. You probably have a very good reason for not taking checks. How do you think

your customers will feel about not being able to write a check in your store? Is there a possibility of lost sales?

3. I’m a new business and I don’t want to spend any extra money. I can accept

checks on my own without ECA. Many of my customers have said that and it’s absolutely true. A few reasons

they’ve changed their minds is that with the ECA service the funds are available usually within two business days, most bank-related fees are eliminated and your money is guaranteed.

4. I don’t need it because I don’t (won’t) get any bad checks.

Most of my customers hardly ever receive a bad check. This program is designed to enable you to accept all checks from anywhere in the U.S., Canada & Puerto Rico. This service will electronically deposit the funds into your account so you have your money usually within two business days. Does this sound like something you’d be interested in?

5. Is the TeleCheck Electronic Check Acceptancesm service safe?

It’s as safe as your credit card deposits. And, since the transactions are handled through the ACH process, they are regulated by the Federal Government. TeleCheck is the largest provider of check acceptance services and is recognized as the industry leader in delivering fast, safe and accurate check processing services.

6. I don’t need TeleCheck because it's too expensive! TeleCheck is truly a value-added service. Some of the values are the consistency of

accepting checks regardless of who the check writer is or how new the cashier accepting the check may be. Another large value is eliminating the need to keep checks overnight in your store. They are simply returned to your customer and electronically deposited into your checking account.

7. I don’t think my customers will like it. Some merchants were also concerned about this when we started processing

electronically. And you’re right. They don’t like it….They LOVE it! TeleCheck currently has over 35,000 merchants processing checks electronically.



8. My bank doesn’t (won’t) charge me any fees for check deposits. That’s most unusual. However, it’s a good thing for you. Electronically depositing

checks is fast, easy, accurate and safe. Eliminating lost checks, eliminating writing out deposit slips, eliminating driving to the bank are some of the benefits of electronic check acceptance, along with guaranteeing the funds. Does this sound like something you’d be interested in?

9. I already accept anyone’s check. You are to be congratulated, that is a very good thing! Accepting anyone’s check

for any amount at any time is what TeleCheck offers. Then, that check is credited to your account in 48 hours, without you ever going to the bank. And, your checks are guaranteed by TeleCheck, so you never see a returned check or returned check fee again. How do you think this may assist you in your business?

10. My customers don’t (won’t) write checks. Why? Your MasterCard and VISA logo informs your customers that their cards

are welcome here. The TeleCheck logo advertises to your customers that their checks are welcome here. Whether your customers pay by credit or check should be their choice. Making the sale convenient for your customers if they want to write a check is what the ECA service is all about.

11. My bank gives me credit on the same day I deposit my checks.

Many banks do. Many banks also charge a fee for deposit slips, depositing checks, return check charges and, of course, someone has to drive to the night deposit to get the checks to the bank.

PTI-141 2/01

keep your funds in check

The TeleCheck Electronic Check Acceptance (ECA) service revolutionizes check acceptance and eliminates the hassles of

processing paper checks, combining online authorization with electronic capture for settlement via the ACH network.The ECA

service converts paper checks into an electronic transaction eliminating returned checks and the costly fees associated with them.

Now you can enjoy the convenience and security of processing checks electronically. Utilizing the new Eclipse™ payment terminal,

the ECA service quickly and easily converts and then integrates check transactions with other electronic payments (such as

credit,debit and FlexCache transactions) at the point-of-sale. Paymentech will also support electronic benefits transfers (EBT) and

state account truncation/expiration date suppression requirements.

how the ECA service works (and works for you)

When a check is presented for payment, simply insert the check into the terminal and enter the amount of the transaction.

The check is authorized through TeleCheck and within seconds a response is received. If approved, the terminal prints a receipt for

the customer to sign. By having the customer's signature,TeleCheck can electronically present the check to the customer's bank.

And with the ECA service, the electronic transaction is the responsibility of TeleCheck.That means you will never see a returned

check or returned check fees.

At the end of day, just close the batch and print the check detail or summary report to view all the checks processed. No

more trips to the bank to deposit checks or time consuming paperwork, the ECA service handles it all. It's that simple.

Your customers will also enjoy the added security the ECA service offers. Not only will they have the same float time as a

paper check, the risk of fraudulent activity is diminished.And for those customers that are uncomfortable with using the ECA

service at first, you can process their checks using traditional methods.

benefits:

• savings - Costly returned checks and fees are

eliminated.

• efficiency - Funds are automatically deposited to your

account within two business days.

• convenience - Customers can enjoy the same float time

as they would with a paper check.

• security - Reduce the risk of fraudulent check

transactions.

• control - Customers receive a complete record of the

transaction on their bank account statement.

hardware solutionsTeleCheck® Electronic CheckAcceptancesm (ECA®) service


your single source for all payments

The only terminal you'll need,TeleCheck’s Eclipse terminal combines credit, debit, FlexCache and check processing into a

sleek, compact solution—eliminating the need for anything else. Streamline your retail or restaurant business operations with the

one terminal that can process all your non-cash payments electronically. And with a touch-screen user interface, built-in printer and

full reporting capabilities, the Eclipse terminal is the perfect choice for you.

providing the solution for:


specifications:

• speed – Instantly authorizes credit card, debit card,

stored value card and check card transactions.

• control – Stores up to 300 credit/debit card transactions

and up to 500 check transactions, reducing closing

frequency.

• flexibility – Supports all payment options, including

credit and debit cards and checks.

• ease – The back-lit touch screen display is easy to use

and provides excellent visibility even in low lighting.

• tip processing – for both retail and restaurant locations.

• efficiency – The state-of-the-art check reader converts

paper checks into electronic items.

• reporting – Provides reporting for all payment

information—credit, debit, FlexCache, checks—and

includes both totals and detail reports.

• convenience – Dual-track magnetic stripe reader

automatically collects and inputs data from credit cards

and drivers’ licenses, reducing errors and saving time.

• training – State-of-the-art check reader helps reduce

clerk error.

Payment ChoicesVisa®MasterCard® American Express® Diners Club®/Carte Blanche®Discover®/NOVUS®JCB®Debit/EBTChecksTeleCheck® Electronic Check Acceptance sm (ECA) ServicePaymentech FlexCache Program

Check SupportIntegrated check readerSupports check imaging (300-dpi capture)

Card SupportDual-track magnetic stripe readerAddress Verification Service (AVS)CVV2Purchasing Card (Level II)

HardwareIntegrated check readerStores up to 300 credit/debit transactionsStores up to 300 check transactionsLarge, back-lit graphical display—(8 lines x 20 characters)32-bit, 24 mhz processorModem—14.4 kbps synchronous/asynchronous2 RJ-11 telephone jacks for modem and telephone connections

PrinterHewlett-Packard Inkjet PrinterSingle-color cartridge Prints on documents and roll paper 4.5 lines per second

• check imaging – Captures valuable information from

the front of the check allowing you to process most

checks without identification.

• printing – Integrated printer voids ECA® checks and

franks non-ECA checks.

• processor – 32-bit, 24Mhz processor speeds up

authorization and transaction time.

• modem – 14.4 modem results in faster downloads.

Documents

Chase Paymentech Solutions,LLC.€¦ · 1 Chase Paymentech Solutions,LLC. “FAST START” CREDIT CARD MERCHANT Avon Licensee Representatives must be approved by Paymentech and authorization