Few retail and online businesses can survive and thrive in today's world without accepting credit cards. While helping businesses process all forms of electronic payments is a big part of what we do, there is much more we offer our clients.

Our goal is to have a major and positive impact on our clients' bottom-line profits. To reach this goal, AmericaOne not only has a world-class suite of products and services identified below, but the knowledge to put these products and services to work with incredible efficiency and in ways our clients have never considered.

AmericaOne is a "One-Source Company" with end-to-end business solutions. With industry-leading technologies and tools including electronic check conversion, check guarantee, verification and recovery services, free equipment replacement, 24/7 customer service, online transaction reporting for merchants, and cutting-edge equipment, there is little that can not be accomplished for our clients.

AmericaOne can provide virtually any merchant category with a perfect application and equipment fit that will meet specific needs. Whether a merchant is a Fortune 500 company or a small mom-and-pop location, we boast a 97% processing approval rate. We have a "can-do" attitude, and we prove it every day with our accurate and efficient service.

Below you will find information on the products and services we offer the market. Equally important is our knowledge base and approach to serving the market, which you will learn in our training program and from our management team.

• Retail
• Restaurant
• Lodging
• Supermarket
• Petroleum
• Car rental
• Mail & phone order
• Internet
• Home-based business
• Mobile merchants
• Government agencies

All major national card brands are accepted on AmericaOne’s networks.

• Visa®
• MasterCard®
• American Express®
• Discover®
• Diners Club®
• JCB®

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Value-added debit services are a necessity in today’s marketplace. Complete national coverage of all national and regional networks is available on AmericaOne’s program. A few examples of our most popular networks are:

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Organize and manage all of your merchant applications with www.AOrep.com (active agents, sign in on this site). Save time and money by utilizing our advanced, online management tools. Also keep an eye on your merchants by tracking your merchant transaction volumes online.

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AmericaOne is proud to present MerchantReports.com™, the latest technology for online merchant reporting. MerchantReports.com is a convenient and powerful tool that gathers and manages all transaction information for our merchant clients. MerchantReports.com is delivered over the Internet and is password-protected. It's easy to use, convenient, secure and available on a 24/7/365 basis.

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CrossCheck Conversion Plus is a leading-edge conversion service that offers merchants secure electronic check processing at the point-of-sale with guaranteed coverage. Merchants may also select Business Check and Disputed Stop Payment coverage. CrossCheck's Standard Check Guarantee service provides merchants with protection against losses on checks that are accepted and approved by an authorization center. The enhancement package features Disputed Stop Payment, Multiple Check and Premium Approval coverage.

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AmericaOne proudly announces our new Statement Review Service. With all the recent changes to Visa/MasterCard Interchange pricing, it is getting more and more difficult to interpret statements and fees. Now all employees can simply fax a merchant statement to AmericaOne at 800.503.2498 and within 24 hours we will do a complete cost analysis and rate review. Your office will then receive a detailed email including a complete and professional merchant proposal and rate comparison.

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AmericaOne supports, services and markets a wide variety of terminal products including stand-alone terminals, compact terminals with integrated printers and/or integrated personal identification number entry devices (known as PIN pads), and wireless terminals. AmericaOne utilizes a variety of terminal models from the industry's most popular manufacturers:

• VeriFone® • Hypercom®
• Lipman® • Thales®

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AmericaOne provides payment-processing software to operate on nearly any platform, including Windows, Unix, Linux, AIX, OS/390, OS/400 and Sun Solaris. Our software product suite provides the connectivity and communications to facilitate the processing of credit card, debit card and check transactions. Payment-processing products and services customers range from small to large Internet marketers, retailers, and mail and phone order companies.

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AmericaOne provides direct access to the value-added American Express® and Discover® Card Merchant Services. AmericaOne’s Integrated Merchant Application incorporates both the American Express and Discover signup options to make signing new American Express and Discover merchants fast and easy. In addition, AmericaOne pays a performance incentive payment to employees on every new American Express and Discover merchant account signed up on our program.

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As competition in credit card processing continues to increase, it is necessary to offer merchants more services. To answer this need, AmericaOne proudly offers a gift card and loyalty program. AmericaOne’s Tendercard Custom Card Program allows your merchants to offer and promote electronic gift certificates, or gift cards, in lieu of a paper gift certificate. The cards are customized to the merchant’s specific needs, including graphic and marketing requirements. AmericaOne is committed to being your one-source solution for all your payment-processing needs.

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AmericaOne’s Integrated Merchant Application provides nearly every product and service we offer in one simple and easy-to-use form. The AmericaOne Merchant Application & Agreement includes services for credit, debit and EBT card processing, Internet payment gateway services, wireless processing services, online merchant management and reporting services, and direct signup to American Express® and Discover® Card merchant services.

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Whether you service small retailers or large corporations, AmericaOne can accommodate your merchants’ specific point-of-sale and payment-processing needs. Retail service choices include:

Point-of-Sale Terminal Service: Give your merchants a quick, efficient way to pay for purchases. Here are just a few of the applications we provide for small to medium-sized retail merchants:

• VeriFone® TRANZ, OMNI Retail Service
• Hypercom® T7 Series Retail Service
• Thales Talento Retail Service
• Nurit Series Retail Service

Retail LAN Service: Use multiple terminals to begin and end a transaction for your merchants’ customers while consolidating their settlement at the end of the day.
Retail PC Payment: Allow your merchants to accept mail or phone orders and authorize and deposit large numbers of transactions at one time.

Electronic Cash Register (ECR) Service: Designed for your retail merchants who own proprietary credit card systems. We work with over 100 pre-certified ECR and PC cash-drawer applications and handle over 150 ECR equipment manufacturers. Certification programs are available on Paymentech®, Vital®, Concord® and Global Payments®.

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Restaurant Services

Whether your merchant is a small cafe or a large restaurant, we can accommodate any restaurant's specific point-of-sale and payment-processing needs with our innovative payment technologies. Restaurant service choices include:

Point-of-Sale Terminal Service: Give your restaurant merchants a quick, efficient way to collect payment.

• VeriFone® TRANZ, OMNI Restaurant Service
• Hypercom® T7 Series Restaurant Service
• Nurit Series Restaurant Service

Restaurant LAN Service: Designed for restaurants that have high average tickets or a large number of transactions, LAN (local area network) service dials out for authorization for each transaction but transmits just one batch at the end of the day.

• AO works with a variety of networks that support hundreds of independent retail, restaurant and hotel point-of-sale software products.

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Lodging & Hotel Services

Whether your merchant is a small motel, a large hotel or a bed-and-breakfast, our payment technology can accommodate the needs of all lodging establishments so they can better serve their guests. Lodging services choices include:

Point-of-Sale Terminal Service: AmericaOne Lodging Service is for all lodging merchants who want to support:

• Stand-alone dial-up terminals
• Check-in and check-out functions
• Acceptance of credit cards, debit cards and checks
• VeriFone®, Nurit®, Hypercom® and Thales® equipment
• Pre-Authorizations

PC Hub Service: PC Hub Service is for medium to large-sized hotel merchants who want to consolidate multiple outlets to a PC for settlement.

AmericaOne's suite of applications is designed to integrate all functions and multiple revenue centers including reservation operations, restaurant operations, convention services, bar, room service, health club, banquets, retail shops and more.

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