"The Business Machine"
Smart Business does not have to be expensive. You can chose to run your business the expensive "hard" or you can team up with us and run your business the "smart and successful" way. The choice is yours. By the way, the worlds wisest man had this to say about it: "Plans fail for lack of counsel, but with many advisers they succeed." Proverbs 15:22 (NIV) King Solomon "The Business Machine"
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What Will Reading this Report do for YOU?
Bottom line- in about fifteen minutes of reading time you'll learn about some of the secrets, tricks and other details about bankcard processing that most banks don't want you to know- because once you do- you'll be able to convert much of their profits back into your own. Learn how many businesses get double charged the fees on credit card returns, how you're getting way, way overcharged on "Visa and MasterCard Rewards Cards" and how to combat this. Also find out how to use a PIN Pad to eliminate a large chunk of your processing costs. There's that and more. Take control back from the banks- read this report!!! Here it is- if you're like most business owners, you don't have time to monkey around with credit card processing companies. You probably have two or three of these guys call you each week trying to get your business. Just offering a mere monthly savings is not too appealing- but the reality is that a few of these reps, the best of the best, know how to significantly impact your bottom line- not only with reduced expenses on card processing services- but also with value enhancing services that most business owners never take advantage of because their bank rep never took the time to explain them- or didn't even understand them himself. So, I'll tell you more about how to find out about these value added services and how to increase your net income by thousands- but first, let me deliver you the data I promised. Here it is: Let's Talk About Rate: The supposed "Rate" you receive from your processor or bank means little or nothing seriously! Some companies advertise rates as low as 1.49%, or even lower. In many cases these rates offered are actually below the combined average cost for that company for a Visa or MasterCard transaction. How or why can they do this- simple- it's called surcharges. In some circles it's called BAIT AND SWITCH. You may be familiar with some of these terms: "Mid-Qualified, "Non-Qualified", "Card Type does not meet Qualified specifications", "Downgrades", or even "Rewards Card." The real rate you pay is a conglomeration of several factors including the "Qualified Rate", surcharges,transaction fees, batch fees, annual fees, monthly fees, "Rewards Card Fees", and numerous other fees that most business owners don't even have the time to learn. 
You may have a "Qualified Rate" of 1.59% but really be paying an effective rate (meaning all charges combined on total volume) of 3.25% and not even know it. What if you could be paying an effective rate of 2.25%, clearly one percent less each month? Do the math. If your volume is $50,000 per month- that's $500 per month-$6,000 per year in your pocket- and it probably took you $3,000 to $5,000 in sales to generate that $500 per month to pay the overcharged fees!
Now that you have a better understanding about rate- let's talk about other factors- and I'll tie all this together for your understanding at the end of the report (don't read ahead or you won't get it). Monthly Statements: If you're one of the lucky ones- you have a statement from a service provider that you can actually understand or at least that provider or bank was kind enough to provide you with a guide to be able to read the statement. However, most companies will provide you with a statement that's not only difficult for you to understand, but also difficult for a seasoned professional bankcard rep to understand. There may even be hidden data or omitted data on rates, so as to make it difficult for you or anyone else to analyze and compare your current fees to what's available. If you have one of these statements- I can assure you that you're overpaying and probably by a fair amount. You need to quickly get an analysis and all of the information. Remember- cost reductions are 100% bottom line profits in any business. Too Many Fees On Statement-Not an Issue (Usually): Just because one provider has many more fees than another, does not mean they charge more- remember it's the effective rate that counts. How do you figure the effective rate? Simply add up all charges associated with card processing including monthly fees, annual fees, etc., and divide the total by your total volume. Don't be concerned just because a service provider has more fee categories. But get educated by a professional as to what the categories are and if the charges are valid and fair. Some providers show all fees and charges separately in each category as a way of fairly pricing their services. When you see separate rates and transaction fees- this formula of pricing is known as "unbundling" and usually provides you with better pricing than programs that "bundle"- meaning all costs are rolled into a percentage rate charged on transactions. In order for banks and processors to bundle, they usually have to build in added charges for what is known as "margin of error"- meaning if your average transaction size potentially goes lower, they still cover the cost of each transaction. If your average transaction size goes higher they make more money. Surcharges-Where Most Merchants Get HAMMERED!!!!! When you see those little added charges called mid-qualified, non-qualified, Rewards, or things like "Card Specifications do not meet requirements for qualified"- etc., and so on- that's where your great rate becomes not so great. Let me give you a fantastic example of this: REWARDS CARD SURCHARGES- THE NEMESIS TO A BUSINESS' BOTTOM LINE!!! Rewards cards came about some time ago because card issuers (banks that provide credit cards to consumers) needed a way to compete with each other for new cardholders and card usage. So these same banks decided to add value to cards with programs like air miles, rebates, loyalty points, prizes, travel and more. These things cost money for the bank to provide. Ultimately about 2 years ago both Visa and MasterCard boards (these boards are comprised of the largest banks in the US) determined that by providing rewards on credit cards that essentially they were providing more business for merchants- and they're right- they are providing more business or incentive to buy for the consumer.So Visa and MasterCard decided it was time for your business to pay the price- so they added new Interchange categories (I'll explain Interchange later) with higher rates to be charged to businesses for each rewards card accepted. Personally, I think that's fair- but here's how businesses got nailed: The average cost difference for a rewards card across the board is less than half a percent. In fact, it's probably around 0.35% to get it closer. However, when Rewards Interchange was released, many processors and banks saw this as a license to profit on all of your hard work. So with absolutely NO VALUE ADDED whatsoever, many, and I repeat-many (not all) banks and processors added a significant mark up to this rewards difference. In a lot of cases they charged the same as the non-qualified surcharges. For many businesses this could be 1%, 1.5% or even close to 2% additional charges on rewards cards- even though the bank or processor is only being charged about 0.35% more. That's a HUGE MARK UP!! Worse yet for your business- these rewards cards can make up 20%, 25%, 30% or even more of the transactions you accept- depending on the type of business you have. IF YOU OWN A RESTAURANT YOU'RE MOST LIKELY GETTING KILLED with Rewards Surcharges. 
Don't worry, there is a solution to
all of this. What are Interchange Rates?: Visa and MasterCard Interchange rates are the rates that various transactions clear under. Interchange rates are the rates that merchant acquirers pay (your bank or processor). The Interchange rates collected are actually paid to the card-issuing bank. That's why you see so many offers for zero percent interest and no annual fees from so many credit card issuing banks. Even if the cardholder pays the balance each month in full or carries a balance at zero percent, the issuing bank stills makes a profit-which is the Interchange portion (cost) of your merchant fees. On average this amount is about 1.70% and 10 cents. The actual amount varies based on which Interchange category the transaction cleared under. Actual Interchange rates are determined by several factors: Was the card present and swiped through a terminal, or was the information received by phone or Internet and the transaction data hand entered? Interchange rates for cards issued to consumers are generally less than rates for cards issued to businesses. Other factors that determine Interchange: *Domestic issued cards versus International *Check Cards versus Credit Cards *Rates for transactions that clear within a certain time frame versus transactions from batches that are closed after the cutoff period *Industry specific rates for hotels, supermarkets, car rental, government and others * Rates for small ticket size convenience transactions *Rewards card transactions versus standard cards *Higher Interchange rates are assessed when the card magnetic strip is not fully read- which can happen with older processing terminals. The components of Interchange include a discount rate, a discount per item (transaction fee) and dues and assessments. Dues and assessments are the portion received directly by Visa and MasterCard and not forwarded to the card issuer. Dues and assessments comprise less than one tenth of one percent on each transaction. All together there are more than 200 various Visa and MasterCard Interchange categories in the US. The average merchant will clear transactions in fifteen to twenty different categories. What are Mid-Qualified and Non-Qualified Surcharges? In order to understand both mid-qualified and non-qualified surcharges you first have to know what "qualified transactions" are. Qualified transactions are defined differently for different types of businesses, but are generally grouped into a class of business. Let's use as an example a furniture store (this example would apply to many types of retail businesses such as computer stores, appliances stores, clothing, gifts, record stores, etc.). A qualified transaction would be the discount rate and transaction fee set charged to the merchant by their bank or processor based on a specific group of Interchange categories. In the case of a furniture store the qualified rate would be based on Interchange categories for domestically issued consumer credit cards and check cards whereby the card was present and swiped through the terminal with all data being read from the card and the batch was closed within a specified cut off period. This rate would be priced based on Interchange rates, Interchange Per Item, Dues and Assessments, processing costs for authorizing the transaction and settling the funds plus the mark up charged by the bank or processor. Let's say the rate charged to the furniture store is 1.89% and 25 cents. That total rate and transaction fee set are charged for the "qualified" sales as defined above. Now suppose someone orders a bed by phone and provides a card number. The merchant hand enters the transaction. Because the card was not present, this transaction falls outside the qualified category. The Interchange fees charged to the bank or processor will be higher than those charged for card present "Swiped" transactions. The bank or processor will then pass along the cost difference- AND ADDITIONAL MARK UP IN MOST CASES. What this means is that you, the merchant, will pay not only their cost difference but a higher amount of profit to the bank or processor. For example- suppose the cost difference to the bank for a hand entered transaction versus a swipe transaction is 0.50%, but rather than charge you 0.50%, you%u2019re charged an additional 1.25% for that transaction. This means the bank pockets an additional 0.75% on all of these transactions. 
NOT ONLY ARE YOU PAYING FOR THE DIFFERENCE IN
INTERCHANGE PLUS THE BANKS ORIGINAL MARK UP- YOU'RE ALSO PAYING EXTRA MARKUP FOR ABSOLUTELY NO ADDED VALUE OR SERVICE! Large retailers and restaurant chains know all about this and insist on a specific type of pricing that passes along Interchange plus a specified amount of mark up from the bank. Regardless of what Interchange category the transaction clears under, the bank's mark up is exactly the same in their case. Some of these companies have full time managers just to oversee their credit card processing programs. In the case of larger companies- they always get favorable rates not necessarily because of their size- but because of their knowledge! Now the difference between a mid-qualified and non-qualified transaction simply has to do with cost. For each of these there may be several Interchange categories. Rather than confuse the client, the process is oversimplified by grouping the lesser Interchange differences into a mid-qualified category, and then taking the more expensive Interchange differences into non-qualified. Therefore your mid-qualified surcharges are less than your non-qualified surcharges. Although Rewards Card Interchange cost differences (over qualified transactions) are generally not as much as mid or non-qualified cost differences, many banks and processors decided to charge their merchants either the mid-qualified or even the full non-qualified surcharges- what does this mean if you are like most independent business owners? It means yet again you are paying the bank even more extra mark-up for a no value add service. The categories that downgrade to mid-qualified and non-qualified are different from one service provider to the next, and in fact these terms (mid and non-qualified) are not originated terms by Visa and MasterCard. Keep reading because we have a great solution for you. Merchant Pitfalls: If a company soliciting your business is either a bank or registered ISO (Independent Sales Organization) also known as an MSP (Member Service Provider) with Visa and MasterCard then you can be assured that they have to follow very strict security requirements. It's safe to provide your merchant statements in order to get a true analysis of savings. Beware of companies or independents that are not registered directly with Visa and MasterCard and do not represent a registered entity. You can always find out by asking what bank sponsors their company. You can further verify by contacting Visa or MasterCard. Anyway- one of the big pitfalls that merchants get into is getting too significant about sharing their statement information with a legitimate company that wants to help them identify overcharges and reduce the cost of card processing. Often times the business owner tells the sales representative that they are not willing to provide statements- but that they want the sales representative to quote them a rate. If you're a business owner, this is the equivalent of performing brain surgery on yourself. DON'T DO IT. If you're concerned about the legitimacy of the company you can always check them out- but if they're a legitimate company with a good performance track record and you want to save money- send a few statements with all pages. The data will not be shared with any outside agency or they risk losing their license to represent Visa and MasterCard- which could be a substantial loss for many companies. Without your exact statements a qualified sales representative can never give you a valid quote. This is based on the fact that every processor charges differently, and each and every merchant has a different mix of volume, average ticket, and most importantly interchange categories. There's no way to pin point the exact savings without your statements- and even with them anyone providing a comparison and quote is at the mercy of your current processors statements and the data provided on them. These Next Two are Worth Reading this Entire Report: The Oldest Trick in the Book of Credit Card Processing: How would you like to pay double the discount and transaction fees for sales you never did? How about paying discount and transaction fees not only for a sale that was returned- but also pay again when the sale is returned? That's right- got you once, got you again. This happens often in our industry and I can even tell you who some of the companies are. These companies have the option to charge you the same fee for a return that you were just charged on a sale. That means the client bought from you and you paid merchant fees. Then the client returned the item for a refund to their credit card- and you were charged the same fees again. I know, it's disgusting, but there are companies that do this to their merchants- and they cleverly hide these fees on statements in such a way that even a merchant that is looking for them might not find them. Run away very fast from processors that do this to you. It tells you one thing- these companies are not in business to serve their clients- only themselves!!!! The Multi-Billion Dollar Secret that Most (if not all) Card Issuing Banks Hope You Never Learn: Fight Back With a Pin Pad!!!!! That's right. This small add-on device, peripheral- whatever you want to call it has saved savvy business owners millions and millions of dollars collectively on fees. 
A big fight over this one issue is what caused the giant retailer Wal-Mart and a few others such as Safeway to win a lawsuit valued at $3 billion over Visa and MasterCard.
Here's How This Works: Take your check card out of your wallet. Really- do this while you're reading- if you don't already know this you're going to learn something EXTREMELY VALUABLE. And, by the way, the higher your average transaction size- the more valuable this data!!! So take that card out of your wallet. Got it. OK. Now look at the front. You probably have either a Visa or MasterCard symbol on the front. Now make absolutely sure this is a check card you're looking at- not a credit card. It's also known as a debit card, or check guarantee card. Now look at the back. You'll see a few symbols there that might be familiar to you- these symbols will show two additional types of networks which are an ATM Network- the network used for getting cash from an automated teller- and more importantly- a PIN DEBIT NETWORK- also known as an ON-LINE DEBIT NETWORK. You see, these cards perform three functions, they act like a credit card- and when used as such you the merchant pay rates based on normal Visa and MasterCard Interchange Rates. Next, they of course are used to access cash. And, lastly, they are used to perform transactions at the point of sale (like your business) using a PIN PAD and settling through PIN Debit networks such as Interlink, Star, NYCE, Maestro, Honor, MAC and others. WHEN CARDS ARE PROCESSED VIA THE PIN DEBIT NETWORKS THE FOLLOWING HAPPENS: TRANSACTION FEES ARE HIGHER, BUT THE DISCOUNT RATE IS SIGNIFICANTLY LOWER, AND BEST OF ALL THE TOTAL COST OF DISCOUNT AND TRANSACTION NETWORK FEES ARE CAPPED- AT AN UNBELIEVEABLY LOW AMOUNT- A NATIONAL AVERAGE OF $0.58. THAT'S RIGHT 58 MEASELY CENTS!!!! If that's not a secret worth spending a few minutes reading this report for- then put it down now- throw this report away and pretend nothing happened. Or, if you're not quite sure what all this means: Here's an Example: A dentist has an average transaction amount of $250 and an average monthly volume of $30,000. (in this example). A patient pays the fee with a check card. The dentist performs one of the following transactions: Transaction Example A: Check Card run as Credit Card Type Transaction: Rate: 1.90% + 25 cents: $250 X 1.90% = $4.75 + 25 cents, or $5.00 for this transaction Transaction Example B: Check Card run as PIN Debit Transaction: Rate: $0.58 + 25 cents + 0.25% Bank Mark Up = $250 X 0.25% = $0.625+ $0.25 + $0.58 = $1.46 Sure this looks complicated- but remember this: Effective Rate and Total Cost So in this example the dentist saved $3.54 on one transaction- now let%u2019s look at the compounding effect if 30% of the dentists transactions are on check card: $30,000 divided by $250 average = 120 transactions X 30% = 40 transactions X $3.54= Monthly Savings: $141.60 Annual Savings: $1,699.20 5 Year Savings: $8,496.00 (properly invested may pay for one kids college-non Ivy League of course) How do you get your clients to use the PIN Pad?- that's yet another trick- you didn't think I'd tell you everything did you- you'll have to call us and ask- but we'll tell you because we want your business! 
Here's the Sales Pitch:
I didn't hire some top gun marketing guy to write this- because I wanted to communicate directly with you. I really do care about my customers- and although we may never meet in person- I wrote this report for you because I'm one of you. I'm a merchant and I truly care about how I treat people (B.E.A.T.T Everyone). Like you, I want to grow my business- even though it's a pretty good size right now. My strategy- TREAT YOU RIGHT! And then get you to send referrals. I don't care what size you are- no merchant is too small or too big. We put together a great merchant program- it's actually a club we call the Interchange Plus Club. You join, you pay a small monthly fee based on the plan you choose, and then you pay a specified mark up over Interchange. If your volume goes up significantly- our markup goes down. Trust me- that's a first- a merchant service company that will actually lower your rate for you. You'll always know how much we're making- and if you ever believe it's not fair you can tell us. The plans are based on your volume and include options with the following: * 24 hour equipment replacement * Free Supplies (paper) * Free Shipping * No Annual Fees * No other statement, monthly or minimum fees * No, REPEAT-NO hidden surcharges * No EXTRA Mark up on downgrades * Signing Bonus for You!!!! * A written Service Guarantee If you like what you've read so far- let me tell you that's the tip of the ice-berg- as we have created relationships with nationally renowned top business consultants that want to share valuable information with you to help you build your business faster and more profitable- FOR FREE!!! And, Just for calling we'll do the following: * Provide a Free Analysis of overcharges * Provide a Free Business Analysis and show you how adding a few KEY transaction services will increase your bottom line * Provide you with a great quote and show you the actual savings moving forward * Provide you with information on other valuable services such as gift and loyalty cards, How to Market to New Movers and Home Owners, How to Market to New Businesses (if your B to B), HOW TO GET A MUCH NEEDED CASH ADVANCE ON FUTURE CARD TRANSACTIONS- ANYTIME YOU WANT, How to Provide your Clients with Guaranteed 90 Day-Up to $5,000 Instant Credit with No Credit Checks or Applications and a lot more. If you like what we can do- you will qualify for one or more of the following premiums: * Cash Rebate on Processing of up to $1,000 (based on volume) * Free New Business or Home Owner/New Mover Leads (and a marketing system to go with them) * FREE EQUIPMENT UPGRADE * FREE PIN PAD * FREE GIFT AND LOYALTY CARDS * FREE, your choice of the following:  $300 In Gas Rebates
 4 Days, 3 Nights Hotel Stay
 Hawaii 5 Day 4 Night Hotel Stay
 Airfare With 2 Nights Hotel Stay 4 Night Oceanfront Resort Mexico Getaway
 7 Night Resort Stay: Over 3500 Resorts
Even if you have a brand new business- you'll qualify for one or more of the above. The best part is that you'll have a merchant service provider that will work hard for you and the health of your business. This is just one of many valuable reports you'll see from us if you're a client. Now I hope you see how I tied this all together- with Interchange Plus pricing- you get priced like the BIG BOYS- with a PIN Pad you're going to greatly reduce your fees- and with the information you have about surcharges- no merchant service provider will ever be able to take advantage of you. CLICK HERE NOW TO APPLY ONLINE________ OR call us at 1-916-476-9707. Let us provide you with the savings analysis and also the free business analysis to show you how to cut costs and grow your bottom line with our services- we guarantee we can show you at least $1,000 in combination of increased profits and decreased costs. Sincerely, Taq'uee Hicks PS: Here's some bonus information- if you're looking at purchasing an integrated Point of Sale System- a cash register system- beware of companies that force you to go with their credit card processing. In many cases they'll charge you a premium and lock you out of the ability to go elsewhere for card processing services unless you pay significant fees!! This is not true with all POS Vendors and by contacting us we can refer you to POS Vendors that will not try to tie up your card processing. Otherwise- you may pay enough additional card processing fees to pay for that system twice or even three times over time- DON'T LET THAT HAPPEN- call us. (916) 476-9707 You may recognize a few of our clients. Please contact them and hear what they have to say about us. (because we're not really into tooting our own horn)
Barbara
Becnel
is Executive Director of a non-profit social services agency in Richmond, California. For 13 years she worked with Stanley Tookie Williams, death row prisoner and Nobel Peace Prize nominee, to edit and publish his award-winning series of books for at-risk children. She was Stan's advocate and friend, and organized an international campaign for clemency until he was killed by the State of California on December 13, 2005. She witnessed his execution. Ms. Becnel's background includes working as a public policy expert in Washington, D.C. and in Los Angeles. She has written more than 100 newspaper and magazine articles as well as several books about parenting and overcoming drug addiction. She co-produced the award-winning TV film Redemption: The Stan Tookie Williams Story, based on her partnership with Stanley Tookie Williams. Jamie Foxx starred as Mr. Williams; actress Lynn Whitfield portrayed Ms. Becnel. The movie was honored at the Sundance Film Festival and Cannes Film Festival in France. (510) 235-9780 www.nhnr.org 
MICHAEL'S TRANSPORTATION, INC.
MTS has provided safe and reliable school bus transportation to public and private Schools in California since 1982. We are available 24 hours a day, 365 days a year to handle all of your transportation needs. MTS also operates the only Certified School Bus Training Institution in California (PPVE School Code 4801041). (800) 295-2448 www.bustransportation.com 
Dominique and Darius
This multi-talented group of two brothers can best be described with two letters: "T.O."No, that does not stand for "Terrell Owens" although it is easy to see this group being hated on by other successful artists for the true abundance of talent they bring to the music industry (an ingredient that has been missing since the birth of Generation X) It does not stand for "Time Out" although many songwriters and musicians will be taking a "Time Out" as these brothers write, compose and perform their own original songs and music. The initials "T.O." when speaking of Dominique and Darius, can only stand for "Two Original" or better yet "Too Original" www.dominiqueanddarius.com 
DAYSPRING OUTREACH
Dayspring Outreach Inc. is a 20 year old non profit organization dedicated to benefiting Sacramento area youth by organizing activities and programs at the grass roots level. Our mission to is to bring a message of hope to young people and low income families in our communities and to provide information about training, education, and housing information to those who need it. The help we provide to local youth and low income families depends in large part on the donations and support of the Sacramento community. We accept donations in the form of clothing, shoes, canned foods and other items which may be helpful to those in need. www.dayspringoutreach.com (916) 395-6651 1. Professionals have high standards
2. They strive for continuous improvement 3. They have extensive knowledge of their field (product, service, customers) 4. Professionals alleviate fear in the minds of their clients, patients, etc., and replace that fear with a feeling of well being 5. They understand their value and earn accordingly 6. They always deliver what they promise 7. They're always there to service their customer 8. They are focused There you have it: eight reasons to give us a call today (888) 419-9462, ext. 1 
For Magstripe transactions, no signature is required in the following industries:
v4111 Local Commuter/Passenger Transport
v4121 Taxi Companies, Limo
v5499 Convenience Store
v5814 Fast Food Restaurants
v5912 Drug Store/Pharmacy
v7523 Parking lot/Garages
v7832 Movie Theater
The MasterCard QPS program is open to the following retailer categories,
where signatures are not required for purchases below a specified limit:
%u2022- Fast Food Restaurants ($25)
%u2022- Movie Theaters ($35)
%u2022- Parking Garages ($50)
%u2022- Drug/Pharmacy ($25)
%u2022- Convenience Stores ($25)
%u2022- Service Stations ($25)
%u2022- Video Stores ($25) *
%u2022- Book Stores ($25) *
%u2022- Music Stores ($25) *
%u2022- Newsstands ($25) *
%u2022- Grocery/Supermarket ($25) *
%u2022- Dry Cleaners ($25) *
Transactions under the dollar limits stated at these merchants do not
require a customer signature or PIN, and provides merchants chargeback
protection against fraud. (Reason Code 37)
%u2022*Must install PayPass to qualify for QPS
If your current merchant provider is not keeping you current with information that effects your business, it's time to switch. Call us: (888) 419-9462, ext. 1 Filed under: Business Leave a comment BENEFITS AT A GLANCE
Lets merchants extend the POS and process transactions anywhere, any time Opens new markets for you from delivery services to outside vendors Ease of use and familiar software speed implementation and reduce costs Offers end-to-end security using SSL and other protections VERIFONE'S VX 610 commands unsurpassed performance no strings attached. Without tying your customers to a fixed location, our new generation of wireless powerhouses deliver blazing performance, high-end functionality, and exceptional ease of use. With VeriFone's wireless, battery-powered VX 610 terminals, the point of payment can be almost anywhere merchants can instantly open an extra lane or support an outdoor market. Powered by a 32-bit processor, the all-in-one terminal eliminates the need for dongles and charging bases. The VX 610 swiftly handles even the most complex mag-stripe or smart card transactions, using a choice of the latest wireless technologies, such as GPRS, CDMA and Wi-Fi. And the modular design provides true investment protection, allowing modules to be easily swapped should new versions of a technology emerge. The terminals intuitive ATM-style interface and ergonomic design provide a familiar experience for users, while VeriFone's Verix platform and SoftPay software allow you to leverage existing applications without rewriting code or recertifying. This simplifies the implementation process and minimizes your help desk costs. Finally, the VeriFone name on the outside says all you need to know about the quality and reliability inside. VX 610 BRING THE POINT OF SALE TO THE POINT OF SERVICE Portable Powerhouse FEATURES AND BENEFITS Countertop payment with wireless flexibility Extends countertop payment to wherever consumers are, opening new market opportunities for you Familiar, consistent platform Proven Verix-based platform provides seamless fit with merchant's existing VeriFone countertop terminals Supports payment and value-added applications application separation at both the hardware and software level minimizes or eliminates the need to recertify existing payment applications every time an application is added or modified Designed for optimal performance with IP-based transactions Dual modem design wireless and dial offers added dependability Exceptional performance and ease of use Powerful 32-bit processing, multi-tasking, and Calways-on wireless services (local and wide-area) trim transaction times to just a few seconds, even on the most complex transactions such as SSL and EMV-based smart card File compression and high-speed IP wireless networks greatly streamline application downloads Industry leading battery performance with large capacity Lithium-Ion Smart Battery technology Intuitive ATM-style interface, backlit display, large keys, and bold menu prompts reduce clerk errors and minimize help desk calls All-in-one design includes high-speed (18 lines/second) thermal printer, drop-in clam shell paper loading Standard countertop paper roll providing minimizing inventory, costs, and provides additional printing capability over competitor's products Vertical, triple-track, high-coercivity card reader handles most magnetic-stripe cards Built-in smart card reader and Security Access Modules (SAMs) support multiple smart card solutions and offer added data protection Internal PIN pad supports debit and other PIN-based applications Advanced security and superior reliability Latest security protections include advanced 3DES encryption, Master Key/Session Key and Derived Unique Key Per Transaction (DUKPT) key-management, and sophisticated VeriShield file authentication plus tamper resistance The Vx 610 is PED Approved by Visa and MasterCard for debit and other PIN-based transactions and has received EMV Level 1 and Level 2 Type Approval VX 610 SPECIFICATIONS Base Terminal Processor 32-bit microprocessor Memory 4 MBytes (2 MBytes of Flash, 2 MBytes of SRAM) or 6 MBytes (4 MBytes of Flash, 2 MBytes of SRAM) Display 128 x 64 pixel graphical LCD with backlighting; supports 8 lines x 21 characters Magnetic Card Reader Triple track (tracks 1, 2, 3), high coercivity, bi-directional Primary Smart Card ISO 7816, 1.8V, 3V, 5V or synchronous and asynchronous cards; EMV certified SAM Card Reader 1 or 3 Security Access Modules (SAMs) Keypad 3 x 4 numeric keypad, plus 8 soft-function keys and 4 screen-addressable keys Peripheral Ports One RS-232 ports and 1 telco port support peripherals including PIN pads and check readers Printer Integrated thermal with graphics capabilities, 18 lines per second, 24 or 32 columns; standard counter-top paper roll 58 mm (2.25 in.) x 25M, single ply Modem Standard 14.4kbps modem (Bell 103/212a, CCITT V.21/V.22/V.22bis, 300/1200/2400/14.4k bps, synchronous and asynchronous) Wireless Modem Supports Wide Area Wireless GSM\GPRS on 900/1800 MHz or 850/1900 MHz; CDMA2000 1X on 800/1900, and Local Area Wireless WiFi 802.11b Protocols Application selects between asynchronous protocols (Visa 1, Visa 2, etc) and synchronous protocols (including ISO 8583/SDLC). IP enabled, with optional TCP\IP protocol stack Security 3DES encryption, Master/Session and DUKPT key management; PED approved; VeriShield file authentication. SSL API for secured IP transactions Physical Length: 209mm (8in.); Width: 102 mm (4in.); Height:70mm (2.8in.) Weight: Terminal/708g (1.5lbs) Environmental 0 to 40 C (32 to 104 F) operating temperature; 5% to 90% relative humidity, non-condensing Voltage AC input 100 - 240 VAC, 50/60 Hz; DC Output 8.6 - 9.4 VDC, 4.0 Amp Portable Powerhouse 
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Taq'uee Hicks
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