Industry Payment Processing Solutions

If you are searching for payment processing solutions, you are in the right place! ABC is proud to be a partner with First National Merchant Solutions, a customer-driven merchant solution provider with 50 years experience. Please review the services below and contact us at 1-719-540-2200 to find the right payment processing solution for your business.

Customers First

You strive to please your customers. We strive to help you reach that goal.

How? By giving you the highest levels of personalized service – a promise believed in and acted out daily.

From small retail locations to large Internet merchants we have the solutions for you:

Direct Marketers Merchant Solutions

Focusing on Your Needs
First National has been serving direct marketers across the country for over  40 years. This experience, coupled with cutting-edge technology and dedicated  employees, has helped to make us the third largest mail/telephone order  processor in the nation. This success has not changed what is most vital to  us: our customers. We know what's important to you: increasing your profits,  decreasing your expenses and eliminating fraudulent losses. With products and  services created specifically for direct marketers, First National is your  key to continued success.  

Client Education
We take great pride in the education provided to our merchants. When you  choose First National as your payment processor, you'll receive comprehensive  training on all of your terminal equipment, as well as support after the  training is completed. Your staff will also be fully trained on how to detect  and avoid possible fraudulent transactions.  

Products Suited to Your Business
First National has products and services to meet your every need:  

• Credit card processing
• Recurring payment options
• Dial terminal, batch or interactive processing
• International processing
• Secure Internet commerce solutions
• Interchange qualification solutions
  • Reversal service
• Re-authorization service
• Fraud prevention tools and education

The PerformanceOne Interest Bearing Account (IBA) was created  to allow our clients the opportunity to earn an excellent, variable interest  rate on their credit card deposits, instead of leaving them idle in a  traditional account. First National, through our parent company - First  National Bank, is one of the only processors to offer such a unique and  beneficial product.  Serving as Your Voice
Due to our established relationships with Visa and MasterCard, First National  is well suited to represent the needs of our direct marketer merchants on a  regulatory level. First National executives take client feedback to  association board and committee meetings to ensure that your voice is being  heard. What follows are just a few of the association boards on which our  executives serve:  

• Visa U.S.A. Board of Directors
• Visa International Board of Directors
• Visa U.S.A. Key Entered Fraud Committee
• MasterCard Direct Marketing Industry Forum
• MasterCard Ad Hoc Regional Fraud Working Group
• Direct Response Forum

Please  contact Affiliated Business Consultants at 1-719-540-2200 on how we can help  you in the direct marketing industry.

Retail Merchant Solutions

Focusing on Your Needs
First National knows what is important to retailers like you. Not only do you  want sales to flourish and business to grow, you also want to keep your  operating costs low and reduce the occurrence of fraud. We are here to help  you reach these goals. With products and services created specifically for  the unique needs of retailers, and employees dedicated to your business,  First National is your key to continued success.  

Client Education
We take great pride in educating our merchants. When you choose First  National, you'll receive comprehensive training on all of your point-of-sale  equipment, as well as support after the training is completed. Whether it's  answering your point-of-sale question or helping you solve a problem, we're  available 24 hours a day, seven days a week to best  serve you.  

Products Suited to Your Business
Count on First National for the products and services you need:  

• Credit and debit card processing
• Multiple processing options from dial terminals to leased line solutions
• Electronic Benefits Transfer (EBT) card processing
• Check authorization, guarantee and collection
• Fraud prevention tools and education
• Secure Internet commerce solutions
• Visa and MasterCard marketing opportunities including Personalized Visa Rewards
• MasterCard "Hot Deals"

The PerformanceOne Interest Bearing Account (IBA) was created  to allow our clients the opportunity to earn an excellent, variable interest  rate on their credit card deposits, instead of leaving them idle in a traditional  account. First National, through our parent company - First National Bank, is  one of the only processors to offer such a unique and beneficial product.  Serving as Your Voice
Due to our established relationships withVisa and  MasterCard, First National is well suited to represent the needs of our  retail merchants on a regulatory level. First National executives take client  feedback to association board and committee meetings to ensure that your  voice is being heard. What follows are just a few of the association boards  on which our executives serve:

• Visa U.S.A. Board of Directors
• Visa International Board of Directors
• Visa Risk Management Working Group
• MasterCard International Retail Industry Forum
• MasterCard Ad Hoc Regional Fraud Working Group

Please  contact a Affiliated Business Consultants at  1-719-540-2200 for more on how we can help you in your retail business.    

Recurring Merchant Solutions

When a customer allows a company to bill a specific credit card account for an agreed-upon amount and length of time, they are taking advantage of a payment method called recurring payments. This method of payment is not new, but it has recently exploded in popularity and is now being utilized by numerous companies including:

Property Management Telecommunications Utilities Cable television Healthcare Internet services Health clubs Government

The convenience that recurring payments bring to both customers and a merchant is one of the major reasons why the dollar volume for this payment form reaches $450 billion each year. Your company cannot afford to miss out on this tremendous opportunity for growth!

The Benefits of Recurring Payments

Recurring payment programs are beneficial to both cardholders and merchants. A cardholder can arrange to have their recurring bills (ones that are paid repeatedly, such as rent and ongoing lease fees, utilities, telephone, Internet services, insurance, etc.) automatically charged to a specific credit card each billing cycle. This eliminates the cardholder's worry of having enough funds to cover all of their bills with either checks or cash, as well as the hassle of ensuring that all the bills get paid on time. All the cardholder has to worry about is making one credit card payment, instead of paying ten different bills by check or cash.

For merchants, offering the recurring payment option brings the following benefits:

• Guaranteed Funds: No time spent chasing after delinquent bills or bad check writers - saving you time and money.
• Fraud reduction: All transactions are authorized.
• Incremental sales: Customers are willing to spend more money when paying with a credit card. Example: a customer paying their cable television bill via credit card might be more willing to add a movie channel to their service than someone paying their bill with a check or cash. Using a credit card allows your customer to get what they want now, and pay for it when it's convenient.
• Customer retention: In a survey of merchants offering the recurring payment option, 77 percent stated that customers who use this payment option remain customers for a longer period of time than those who use other payment methods. (Source: MasterCard International)

Sign up Today!

More and more consumers are voicing their favor for the recurring payment option. In fact, nearly 40 percent of consumers say they would switch from a non-recurring payments merchant to one who offers a recurring payment program. The recurring payment market is skyrocketing in growth, so don't wait another day to capitalize on this opportunity!

Agent Banks Merchant Solutions

We  have the resources you need to make your portfolio stronger!  We  work to help you earn income on merchant processing services by allowing you  to offer outstanding payment processing solutions to your business clients.  As a  subsidiary of First National Bank, First National Merchant Solutions  understands banks' needs and can tailor a merchant program just for you, with  solutions for your retail, e-commerce and mail order merchants.

A Wide  Range of Products
First National offers processing for nearly every payment type available:  

• Visa
• MasterCard
• American Express
• Discover
• Diners Club
• Carte Blanche
• Debit
• Electronic Benefits Transfer (EBT)
• Fleet cards
• E-commerce solutions
• Mail order solutions
  

Competitive Rates
In-house processing allows First National to control costs and qualify your  transactions for the best possible Visa and MasterCard interchange rates,  keeping merchant rates competitive.  

First National Support
Our sales offices and account management teams are available to assist you  with your program. Merchants are supported by our call center and 24-hour  help desk.  

Comprehensive Reports
Monthly statements and reports provide detail and summary information for all  income and merchant account activity.  

Simple Point-of-Sale Procedures
Customer-friendly prompts, easy-to-follow  instructions and step-by-step training assist your customers with their daily  operations.  

Reduced Fraud and Chargebacks

Industry-recognized chargeback and fraud prevention systems help eliminate risky transactions.  

Please contact a Affiliated Business Consultants at 1-719-540-2200 for more on how we can help you with third party sales.

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