Credit Union Card Center

Merchant Services.
It's a Win-Win.

Merchant Services is an important product offering for your business members and a win for you.

On Average, Business Members Who Process Through Your Credit Union:

Maintain 54% higher Share Draft balances*
Use a broader range of your products (51% more)
Rely on your credit union for 84% of their financial services (vs. 55% for non-Merchant-Services members)
Are very satisfied with their primary financial institution, would refer you to others and have no plans to change

* In reference to similar partner studies
Barlow Research Associates, 2008 survey of businesses with $100,000 - $10,000,000 annual sales.

Program Overview

No-risk/no-liability program
No capital investment required
Comprehensive marketing materials and programs (including incentives) funded by First Data Marketing
No-cost Internet-based online tools:
- Sales Referral System (SRS) - lead entry and tracking
- ClientLine^® - full-service reporting tool
First Data employed sales team assigned to your relationship
Assigned relationship manager and sales vice president
Partnership focused on merchant acquisition, retention and portfolio growth
Access to all First Data product suites including TransArmor^SM , a secure transaction management solution
Superior partner experience including credit union branch-level member support
Quick onboarding/start-up process
Credit union focus

Financial Benefits

True revenue-share residuals - Gross revenue, minus only association-driven dues, assessments and interchange, average 70 bpts merchant revenue
15% ongoing revenue residuals to credit union for referred merchant
$50 per merchant referral fee paid to credit union

A Win for Your Business Members

Our payment processor, First Data, is a leader in electronic commerce and payment services, serving 6 million merchant locations globally.

Business members benefit from:

Acceptance of all major credit and debit cards including American Express^®, Diners Club International^®, Discover^®, Visa^® and MasterCard^®
State-of-the-art e-commerce and Internet payment processing
24/7 online reporting through a secure Web site
World-class safety and security
Enhanced technical support, service and troubleshooting
Unrivaled product development capabilities and access to more types of payment options
Competitive pricing

Merchant Services Products and Solutions

Single-Payment Processing

Your members can receive one deposit for American Express, Visa, MasterCard, and Discover funds*
A single statement for American Express, Visa and MasterCard simplifies the reconciliation process

First Data Terminals

A full range of point-of-sale terminals, peripherals and supplies designed to save your business members time and money, based on the unique needs of each business environment

Wireless Solutions

Enable your business members to accept card payments virtually anywhere
Terminals accept the same payments at the same rates as cable-connected terminals and receive authorizations in seconds

First Data Gift Card Solutions

No matter how large or small your member’s business is, gift cards offer the opportunity to:
- Drive traffic
- Increase sales
- Build brand awareness
- Improve customer satisfaction

Online Reporting Solutions

A secure Web site gives your business members immediate access to their account information and activity 24/7

TeleCheck^® (ECA^®) Service

An electronic check guarantee, verification, warranty and collections service that helps your business members reduce the risk of accepting paper checks

E-commerce Solutions

Designed to help small and large merchants offer secure electronic shopping for their customers, allowing them to easily and cost-effectively grow their share of the e-commerce market

* Some conditions apply on combining Discover^® and American Express^® on one statement.