One way to help your business is with immediate savings. Most merchants process check cards just like credit cards. But over one-third of your "credit card" transactions may really be check card transactions. That's a big problem because you're paying a significantly higher processing fee than you should on those transactions. Properly processing a check card transaction can cut your processing fee in half. Integrity will help you save that money.

The second way to help your business is by expanding the number of payment options you can accept. With Integrity's Total Processing Solution you will be able to accept debit card transactions. With over 8 billion transactions per year made using debit (ATM) cards, you need to accept this form of payment! Integrity will help you get your share of those sales.

With Integrity, not only will you have the ability to accept all forms of payment, but you'll be set-up to accept them so you can avoid excessive and unnecessary fees. That's one reason why...
Payment Processing Demands Integrity

Debit and check cards are issued by financial institutions just like credit cards. But unlike credit cards, debit and check cards provide access to the checking or savings account of the cardholder. The success of the transaction depends upon the availability of funds in the account being accessed, not the cardholder's credit worthiness. The funds for the transaction are drawn directly from the customer's bank account. The personal identification number (PIN) is the security measure used to prevent unauthorized access to the cardholders accounts. The PIN pad or the PIN enabled terminal contains a "key" used to encrypt the customers' PIN during the transaction. This PIN encryption key is programmed by Integrity Payment Systems on POS equipment prior to its deployment.

The ability to enter a PIN is what allows you, the merchant, to dramatically lower your processing fee for that transaction. At the same time, once you have the ability to accept PINs, Integrity will set you up to accept all regional and national debit cards.

The use of debit cards and check cards is so wide spread in retailing today that not processing those transactions properly is like burning your money. With Integrity's debit and check card service you'll have...

• Virtually no risk of charge-backs
• A greatly reduced processing fee
• Increased revenues
• Access to funds drawn directly from the customer's banking account
• A cash-back option for your customers with surcharge opportunities
• Fewer checks written and faster check-outs for customers.

At Integrity, customer service is, and always will be, our number one priority...

• One number to call for all customer service issues
• You'll reach real people, not a "voice mail maze"
• People with fast, reliable answers
• Offering same-day approvals & same-day equipment deployment

COME TO INTEGRITY WITHOUT BUSINESS INTERRUPTION