Top 10 Reasons to use SmartPayments™ Server for Merchants:

1. Greater Sales
   • Credit card customers spend significantly more than cash customers
   • Encourage impulse buying
   • Enable cash-restricted customers to make purchases
   • Enable processing of eCommerce and MOTO transaction with reduced risks
      
2. Increased Transaction Speeds
   • 2 to 5 seconds average transaction time versus 15 to 30 seconds for dial-up terminals
   • Eliminate long wait times at the register and retain customer loyalty
      
3. Low Startup Cost, Quick Installation, Low Maintenance
   • Small merchants need only a standard web browser; there is no need to purchase additional software or hardware
   • Eliminate costly phone lines and proprietary hardware terminals
   • Works with both retail POS and Internet shopping carts; eliminates the need for a separate merchant account with a separate service provider
      
4. Mobile Merchant Flexibility
   • Eliminate phone lines and power outlets
   • Speed up the authorization process
   • Reduce transaction cost with card-present transactions
   • Leverage your existing mobile phone
      
5. Integrated Retail POS Applications
   • Image/receipt capture and retrieval for charge back protection
   • Eliminate redundant data entry
   • Eliminate redundant phone lines
   • Support all major Credit Cards, Pin Based Debit Card, Gift/Loyalty Card, Check, ACH, EBT/Food Stamps, etc.
      
6. Stand alone virtual terminal and client applications
   • Easy-to-deploy feature-rich client applications are hardware and platform independent
   • Browser-based virtual terminal allows you to process payments from anywhere, anytime.
      
7. Powerful browser-based tools allow you to manage your accounts anywhere anytime
   • Automatic daily batch settlement with email notification
   • Online and Real-time reporting
   • Set up recurring billing contracts that will automatically invoice and process payments for your customers
      
8. Simplify billing with integration into your CRM and accounting system
   • Web Service or SDK integration
   • Delimited data export
      
9. Reduce monthly recurring fee
   • Lower interchange fee when processing card-present or PIN-based transactions
   • Eliminate gateway fee when running the TPS in house
   • Lower communication fee by eliminating redundant phone lines
      
10. Greater Security
    • Reduce the amount of cash that staff handles
    • Lower risk of charge backs from customer-disputed transactions using digitized receipt image or check image
    • Provide AVS Address Verification and CVV Verification to fight online fraud
    • Velocity checks for suspicious refund or sale transactions
    • Instant alert when suspicious activities occur
    • Allows you to choose which countries you want to sell goods to and automatically blocks those on black list
    • Many levels of security allow you to control who has access to each feature