Major corporations are being challenged to find more effective ways of conducting business at a faster pace, lower cost, with fewer people and at a higher level of quality. One area which is getting increased attention is the cost of processing and accounting for small-dollar purchases--purchases typically under $5,000.

Many companies are implementing credit card purchasing as a part of reengineering efforts to facilitate the purchase of and payment for goods and services. In most companies, 50% or more of total transactions account for less than five percent of total dollars purchased. By moving transactions to Purchasing Cards, customers report processing cost savings of as much as 50%.

Increased Sales
As cardholders increasingly discover the benefits of purchasing cards, they will seek suppliers who accept the card for payment of goods and services.

Improved Cash Flow
Unlike the present method where your company may wait up to 60 days or more for payment, funds for purchasing card transactions are sent electronically through the banking system into your business checking account within three (3) days.

Reduced Expenses
Again, unlike the present method, your company does not have to process and mail invoices, manage and collect receivable, or post and process checks for each customer payment.

How To Process Purchasing Cards

Total Merchant Services offers a range of processing options including: Electronic Terminal Processing, PC Batch Processing and Mail Order/Telephone Order Batch Processing.

• PC Products: PCAuthorize and MacAuthorize



• Terminal Equipment: Verifone, Hypercom, Nurit



• Internet: TMM Virtual Terminal & TMM Professional

What is Level II processing?

Level II processing includes all Level I information (Merchant name, city/state/zip code, SIC and cardholder information) in addition to sales tax and a customer accounting code. If your credit card processing equipment is not programmed to prompt you to respond to the enhanced data prompts you will be billed non-qualified fees.