FirstData offers a full range of services and processing capabilities for retailers of all sizes. Among the significant benefits of the new program:
- Lower credit card processing costs, ranging from 5 to 50 basis points less, with a simpler single discount rate regardless of annual volume or average ticket.
- A special lower processing rate for offline debit transactions.
- Free online access to transaction history and other account information.
- Electronic gift card and a host of other proprietary merchant programs.
- Support for the full range of transaction interfaces, from free-standing terminals and integration with register POS systems to wireless/mobile and Internet-based solutions.
In addition, customer support for IRMA accounts includes a special team of account managers who will have personal relationships with each account, as well as the standard 24/7 toll-free support.

For more information, contact:
Noah Helfand
TEL: (847) 901-9202
FAX: (847) 760-0767
noah@fdis-noble.com

About FirstData
First Data is a global technology leader in information commerce. The company processes transaction data of all kinds, harnesses the power of that data and delivers innovations in secure infrastructure, intelligence and insight for its customers. With operations in 37 countries, First Data serves more than 5.4 million merchant locations and more than 2,000 card issuers and their customers. It powers the global economy by making it easy, fast and secure for people and businesses around the world to buy goods and services using virtually any form of payment. The company’s portfolio of services and solutions includes merchant transaction processing services; credit, debit, private-label, gift, payroll and other prepaid card offerings; fraud protection and authentication solutions; electronic check acceptance services through TeleCheck; as well as Internet commerce and mobile payment solutions. The company’s STAR Network offers PIN-secured debit acceptance at 2.1 million ATM and retail locations. Through First Data’s centers of excellence, such as security, analytics, customer loyalty and mobile payments, it offers data-driven commerce solutions for customers around the globe.

Processing Rates
Credit – TBD based on the merchants type of business, annual volume and average ticket.
Debit – TBD based on the merchants type of business, annual volume and average ticket.

Miscellaneous fees
Monthly Fee (waived)
Annual Fee None (Waived)
Application Fee None (Waived)
Monthly Minimum None (Waived)
Supplies Included
Chargeback Fee $10.00
Voice Authorizations None (Waived)

IRMA Bankcard Processing Program Features and Benefits
Flexible Platform Options: First Data offers a fully redundant host-based system for a variety of solutions to meet your processing needs including point-of-sale (POS) interfaces, stand-alone terminals and PC products for multi-terminal configurations requiring central configuration.

Expanded Payment Offerings: More than just MasterCard, Visa, American Express, Discover, Diners Club and JCB, First Data supports debit cards and many stored value payment options such as gift cards, merchandise return cards, employee cards, pre-paid cards and electronics gift certificates.

Comprehensive Reporting: First Data provides detailed location and corporate reporting in daily, weekly, or monthly formats through varied delivery means, including Web-accessed reports.

Superior Service: First Data provides around-the-clock terminal support and an experienced account management team to ensure your establishment runs smoothly and efficiently.

Variety of Terminal Options: Our providers offer a range of terminal solutions that offer the flexibility for your business needs. From expanded memory capacity and integrated printers to easy-to-read and easy-to-train touch screens, you will have the latest functionality when you choose First Data.

Advanced Communcations: First Data offers a wide variety of connectivity methods including VSAT, frame relay, Internet transport and various wireless technologies.

Online Reporting Tools: First Data offers a secure, easy-to-use Internet-based service that combines the reconciliation, reporting, research, auditing and trend analysis you need for your business. We know your financial data is sensitive-First Data offers encryption, personal certificates and password protection controls account access-providing the tight security you want.

Gift Card Program: First Data Gift Cards combines card creation, packaging, transaction processing, database management, reporting and help desk support in order to offer merchants a full-service program.

First Data supports gift cards, merchandise return cards and pre-paid cards today. Gift Cards will help you maximize the profitability of your customer base. With gift cards, you’ll never have to give a customer cash back from a sale that is less than the current value of the card. And research shows gift certificate sales increase at least 10 to 50 percent when companies switch from a paper-based program to an electronic one.

Fraud Prevention Measures
AVS: Address Verification Service is provided by First Data to combat fraud on “Card Not Present” transactions. During a transaction, the merchant enters the cardholder’s street address and/or ZIP code. These items are matched against card issuer information and an AVS response code is returned in addition to the normal authorization code. The merchant can use the AVS response as additional information in deciding to accept the transaction.

Equipment Purchase Costs
Available on request

All merchant applications are subject to credit approval

First Data will reprogram your existing equipment at no additional charge

Supplies are provided free of charge