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HOW DO YOU GO BEYOND TO…• Providecustomerswithmorepaymentchoices?

• Reducetheriskassociatedwithacceptingchecks?

• Speedandstreamlinepaymentfunding?

• Drivecustomerstolower-costpaymentmethods?

• Minimizetheriskandcostassociatedwithhandlingpaperchecks?

• Attracttoday’stech-savvyconsumers?

FIRST DATA. TELECHECK CHECK ACCEPTANCE.

TELECHECK® CHECK ACCEPTANCE

© 2012 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referencedinthismaterialarethepropertyoftheirrespectiveowners.

2015-0412

FirstDatatakesyoubeyondwithelectroniccheckacceptance

solutionsdesignedtohelpaccelerateyourcashflow,lower

operatingexpensesandminimizerisk.

FIRST DATA GOING BEYOND+40 yearsinthebusiness

+28 product categories,hundredsofproducts

$1.4 trillion settled annually

53 billion transactions annually

2 billion online transactions

FOR MORE INFORMATIONContactyoursalesrepresentativeorvisitfirstdata.com

Enabling innovative solutions through strategic alliances

Wehadbeenrackingupabout$15,000ayearinbad

debt,mostlyinvolvingchecks.Weneededtoupgrade

andFirstDatahadtherightsolutionattherighttime.”

Controller, Kenneth’s Hair Salons & Day Spas

“

FIRST DATA ADVANTAGE

By converting consumer, business and

government checks into electronic transactions,

you save time, money and better protect your

customers from fraud.

With our TeleCheck Internet Check Acceptance®

(ICA®) service, expand your business and maximize

online sales. Plus, by encouraging online consumers

to pay using ICA, you’ll benefit from lower cost

than card-not-present (CNP) rates on credit

card transactions.

Give your customers more ways to pay by enabling

them to make payments over the phone directly

from their checking accounts.

Quickly and easily collect paper checks

via your lockbox and convert them into

electronic transactions.

Easy to implement, this service provides your

customers with a convenient way to make

in-store payments while protecting their

personal information.

Provide a convenient way for customers to make

recurring payments through their checking account

and eliminate the hassle and risk associated with

accepting paper checks.

BENEFITS

Reduce check-handling time and costs, streamline

back-office processes, minimize errors, speed funding

and offer customers greater security.

Reach customers who prefer paying for their

eCommerce purchases with their checking

account while reducing fraud, speeding funding

and encouraging repeat customer visits. This

service enables consumers to make spontaneous

online payments, reload a prepaid card or make

recurring payments directly from their registered

checking account.

Instantly authorize payments while your customers

are still on the line, minimizing potentially lost sales

and revenue.

Reduce the time spent handling and depositing

checks, while reducing bank fees and providing

assurance that the check will not be returned.

Authorize and electronically settle checks

accepted in-store as payment for private-label

credit card balances.

Easily accept recurring payments and deposits from

your customers with Prearranged Payments and

Deposits (PPD) solution.

SOLUTION

TeleCheck Electronic Check Acceptance® (ECA®) Service

TeleCheck Internet Check Acceptance® (ICA®) Service

TeleCheck® Checks by PhoneSM Service

TeleCheck® Lockbox Payment Service

TeleCheck® Payment on Account

TeleCheck® Remote Pay Service

Thewaysyourcustomersbuygoodsandservices

areevolvingeveryday.Checkacceptanceisno

longerlimitedtopaperchecks.Consumersare

nowmakingvirtualpaymentsfromtheirchecking

accounts using a variety of devices, including

computersandmobilephones.

54million*U.S.consumersdonothaveacredit

or debit card, and consumers and businesses

alike are looking for alternatives to replace

high-costpaymenttypeswithoutassuming

morerisk.Expandyourpaymentsolutionsto

givecustomerstheoptionofpayingdirectly

fromtheircheckingaccount.

FirstData’selectroniccheckacceptanceproducts

canhelp.Withmorethan45yearsofexperience,

andmorethan1.8millioncheckingtransactions

processeddaily,wehaveanin-depthunderstanding

oftheindustrythatallowsustodeliverinnovative

solutionsformerchantstoprovidecustomerswith

paymentchoice,bothin-storeandonline.

TeleCheckusesleadingtechnologiesthatanalyze

check-writingbehaviortoassessrisk,helpingyou

determinewhichcheckstoacceptandwhichto

decline.Inaddition,weofferanoptionalwarranty

servicethattransfersfraudresponsibilityfromyour

businesstoTeleCheckonanychecksweapproved.

GO BEYOND: CHECKINGACCOUNTPAYMENTACCEPTANCEFROMTELECHECK®

First Data takes you beyond with electronic check acceptance solutions designed to help accelerate your cash flow, lower operating

expenses and minimize risk.

OUR TELECHECK CHECK ACCEPTANCE SOLUTIONS

AnEnd-to-EndSolutionthat SIMPLIFIES YOUR BUSINESSIncrease Consumer Payment Choices

Process All Types of Checks

Leave Collections to Us

Fast Settlement and Funding

Superior Risk Mitigation

Buildloyaltybyprovidingcustomerswithan

alternative to credit and debit cards as well as a

choiceinhowtheymakethepayment–inperson,

bymail,byphone,bymobiledeviceoroverthe

Internet–whileeliminatinginterchangefees

toyou.

Taketheriskoutofacceptingchecksbyleveraging

theadvancedscoringanddecisioncapabilitiesof

ourdynamicriskenginethattracksthecheck-writing

historyof98percentofallU.S.point-of-salecheck

writers.WithTeleCheck’sverificationservice,

confidentlyacceptmorecheckswhilereducing

bankfeesandprocessingcosts.

Regardlessofthetypeofchecksyoureceive,our

fastsettlementhelpsyoupreventandresolve

exceptions,andweoffermerchantsastreamlined

accountingandreconciliationprocesssochecks

aresettledandyougetfundingwithinoneto

twodays.

Our trained collections representatives free your

stafftofocusonsalesandservicewhilereducing

yourlosses–withnocostsuntiladebtiscollected.

AndwithourTeleCheckwarrantyservice,youdo

nothavetoworryaboutthecostandhassleof

returnedchecks;ifweapprovethecheck,we

assumetheliability.

Whetherit’sabusinesscheck,governmentcheck,

moneyorderoranyothercheckyoumayreceive,

theTeleCheck®LockboxPRO21®servicecanhandle

theelectronicauthorizationandsettlement.

7 out of 10Sevenoutofevery10agreethattheinvolvementofcheck

verificationinthecheckoutprocess“addsanadditionallevel

ofsecuritywhenmakinganonlinepurchase.”

First Data Study, October 2010

*Sources:FederalReserveBankofBoston,“theSurveyofConsumerPaymentChoice,”April2011, andthe2010USCensus