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Payment Processing Solutions for General Business
Acceptance is Good For Your Business
Cash used to be king, but in the world of consumer payments, plastic now wears the crown. According to a First DataTM study, 62% of consumers say they prefer to pay with a signature debit, PIN debit or credit card, while only 32 percent prefer cash[1].
Are you missing out on sales by not accepting card payments?
Boost Your Business
By accepting credit and debit card payments, you enable customers who prefer to pay with plastic to make purchases from you, thus increasing your traffic, volume and revenue.
Another benefit of utilizing merchant services is the ability to take advantage of gift card programs. Old-fashioned paper-based gift certificates require a ledger or crossing out values on the certificate to pencil in new balances--gift cards are much easier and more efficient to manage.
Offering gift cards is also a great way to enhance your brand and market your business. And studies indicate that consumers often spend more than the value of their gift cards: In a First Data survey, nearly 72 percent of gift card recipients said they spent more than the initial value of their gift card, with an average increased spend amount of $182.
Growing Customer Expectations
In some industries today--like retail stores and restaurants, for example--customers expect to be able to pay using credit and debit cards. While this same expectation doesn't exist in every industry, it is spreading.
Contractors, HVAC businesses, plumbers, PC repair operations, not-for-profit organizations--these are just a few examples of industries where there is a growing expectation among consumers that they be able to pay with plastic. If you operate in one of these industries, you may be losing sales if you aren't utilizing merchant services.
In some industries today – like retail stores and restaurants, for example – customers expect to be able to pay using credit and debit cards. While this same expectation doesn't exist in every industry, it is spreading.
Get Started with PNC Merchant Services®
PNC Merchant Services can help your business start accepting card payments. Whether your business has basic card processing needs or you require a more customized solution, we have options.
PNC Merchant Services® offers a wide variety of payment acceptance, processing and reporting solutions for businesses in virtually any industry.
These include POS devices and systems, a wide selection of POS terminals and PIN pads, secure mobile and online payment acceptance options, check and gift card acceptance options, and specialized POS solutions designed for retail establishments and restaurants.
Point-of-Sale (POS) Systems
Selecting the right POS system for your business will enable you to accept increasingly popular payment options like credit, debit and EBT payments, as well as take advantage of profitable value-added applications like:
- Gift and loyalty cards
- PIN debit cards
- Check protection services
Point-of-Sale (POS) Terminals
A Point-of-Sale (POS) terminal lies at the heart of your POS system. Simply swipe your customer's card and the terminal does the rest.
Additional functionality lets you turn paper checks into electronic payments. And if your business has you on the go frequently, a wireless device will allow you to process transactions from just about anywhere.
Interested in applying for a new merchant account and purchasing a terminal today?
PIN Pads
Adding a PIN pad to your terminal will allow you to easily process PIN debit cards and EBT transactions, along with a wide variety of advanced payment devices, including chip-and-PIN cards, smart cards, contactless cards, mobile phone payments and key fobs.
With consumers embracing mobile and contactless technologies, you'll want to be able to offer alternative payment types like these.
Mobile Payments
Businesses like HVAC, plumbing, floral delivery and PC repair usually collect customer payments out in the field, not in a store location or office.
With mobile solutions, businesses can use their smartphones as card processing devices that perform the same functions as a traditional wireless terminal.
Gateway Solutions for eCommerce and Mail Order/Telephone Order (MOTO)
Gateway solutions enable eCommerce and MOTO businesses to process credit card transactions on their website or over the phone via a secure gateway.
Money earned from online or MOTO orders is deposited directly into your merchant account, and you gain immediate access to credit card authorizations, check payments and real-time transaction reports.
Clover® Check Acceptance
Many consumers today still prefer to write checks for purchases, rather than use plastic.
Clover Check Acceptance converts your customers' paper checks into an electronic ACH transaction, so you can feel more secure about accepting checks. This helps provide peace-of-mind against fraudulent and returned checks by combining the industry's most sophisticated check acceptance risk management system with a warranty service option for returned check liability.
Gift Card Programs
With gift cards continuing to grow in popularity, generate more revenue for your business by driving traffic, attracting new customers, increasing sales and building awareness of your brand.
With a First Data Merchant Branded Gift Card Program, you can offer your own store-branded gift cards to customers.
Instead of leaving your business to shop around, an undecided gift buyer can purchase a gift card. Many times, that gift card recipient will be a new customer who has never visited your establishment. In addition, studies show that most consumers spend more than the value on their gift cards when they redeem them.1
Important Legal Disclosures & Information
1 First Data Corporation. 2010 U.S. Gift Card Consumer Insights Survey. March 2011
The Clover® name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data Corporation, and are registered or used in the U.S. and many foreign countries.
First Data is a registered trademark of the First Data Corporation in the United States and other countries.
Merchant Services are provided by PNC Merchant Services Company and are subject to credit approval. PNC Merchant Services is a registered trademark of The PNC Financial Services Group, Inc.
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