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FRAUD PROTECTION SERVICE

Merchant Solutions Our abundant product offerings provide customized transaction processing solutions to satisfy our merchants' needs

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◦Send Me Information Fraud Protection From the latest encryption regulations to fraud protection, check conversions and reconciliation of statements, Ignite Payments is able to help deliver safe, reliable transactions through our e-commerce payment services. Ignite Payments has several programs in place to help limit liability and help reduce chances of fraudulent activity. Our back-office fucntionality and mutiple feature options allow us to maximize the speed and security of nocash payment offerings.

In addition, daily transaction monitoring for all of our merchant accounts help prevent:

•Excessive chargebacks

•High rate of returns

•Duplicate transactions Send Me the Information

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~~ LOSS PREVENTION

Merchant Solutions Our abundant product offerings provide customized transaction processing solutions to satisfy our merchants' needs.

•Home

•Merchant Solutions

◦Getting Started

◦Products & Services ◦Merchant Resources

◦Fraud Protection

◾Loss Prevention

◦Send Me Information Loss Prevention Services The Ignite Payments Loss Prevention Department helps merchants reduce the risk of credit card fraud by carefully monitoring merchants' daily transaction activity. Major Reasons for Unauthorized Credit Card Transactions

•Reason #1: Merchants are not comparing the signature on the back of the card with the cardholder's signature

•Reason #2: Merchants must take the time to verify information that is given over the Internet or via the telephone. Because this is a non-face-to-face transaction, it is important to make certain that the person using the card is the cardholder. If need be, call the cardholder to confirm the order.


•Reason #3: Face-to-face transactions also require due diligence on the merchants' part. Check the credit card for the hologram, and make certain it bears no alteration marks.

•Reason #4: The merchant rushes through the transaction. Consumers who knowingly commit credit card fraud at a store wait for a busy time when it is unlikely that the merchant will scrutinize the card.


~~RESTAURANT

Quick Service Restaurants (QSR's) Credit card usage at quick service restaurants (QSRs) is growing at an astonishing rate. To capitalize on this lucrative trend, Ignite Payments offers a specially designed Quick Service Restaurant Program with the diverse needs of the QSR merchant in mind. Our efficient, quick-payment solution dramatically improves the speed and profitability of low-ticket, swipe-and-go transactions by allowing merchants to offer a variety of payment options to help satisfy customer needs, attract new customers and increase market share. Simple and Robust The QSR Program presents a very simple yet robust retail application with a variety of communication and processing options for both large and small-scale QSRs. Our team of experts has designed flexible solutions that address transaction speed, ticket size, customer service and future technological advancements With our QSR Program you receive:

•Streamlined credit and debit processing with online access to real-time transaction data available through mymerchantoffice.com

•A customer-generating gift card program

•Greater customer loyalty Improve Transaction Speed When it comes to transaction time, every second counts. By capitalizing on available point-of-sale (POS) solutions that use Internet protocol (IP) and Contactless technology, merchants can cut card transaction times down by approximately three to four seconds, essentially making electronic card transactions much faster than cash. The MasterCard® Convenience and Visa® Small Ticket programs offer the following features to help you save even more time for transactions under $15:

•A customer receipt is required only if requested by the cardholder

•The cardholder’s signature is not required Generate Greater Revenue Generating greater revenue is the name of the game, and that’s where our QSR Program can help you succeed. Studies have shown that card acceptance at QSR locations can attract new customers and improve traffic. According to a Ignite Payments survey, 63 percent of respondents would visit a QSR that accepts cards more often than those that accept cash only.* Additionally, payment cards have a positive impact on the average transaction size as consumers are not as price conscious when using cards at a QSR location. Send Me the Information

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•Privacy Policy WIRELESS Every day, millions of businesses make sales in the field, yet many still have to call in credit card numbers to their home offices where someone manually enters transactions. In these situations, retailers can spend an additional 15 to 20 minutes with each sale, create paper transactions that put them at a higher risk for fraud and chargebacks, pay much higher rates, and wait additional time for funds to be deposited. With Ignite Payments wireless solutions, we ma accepting credit card transactions truly mobile by processing them wherever your business takes you. Ideal for any business that operates remotely, we offer fully enabled POS devices that you can use to process standard transactions at a low cost, independent of your office or out-of-town infrastructure. Our wireless programs allow you to complete a transaction in seconds at a card-present rate and can also help reduce risk, improve cash flow, save administrative and transaction processing costs, and increase employee productivity and sales. Our Wireless products help you successfully implement your mobile business strategy. Our wireless processing solutions combine innovation and reliability with mobility allowing you to choose your own time and place for accepting and processing payments. Whatever the environment, our solutions provide the technology to make your point-of-sale accessible whenever you want, wherever you want. Our wireless offerings are uniquely designed for merchants on the go and they create convenience and flexibility by delivering: ◾Multiple carrier/network options

◾Wireless solutions for anywhere, anytime – perfect for delivery services, limousines and taxi services, home repair, fairs, markets and more

◾Solutions for fixed locations where analogue lines aren’t available or feasible – including kiosks, parking garages, stadiums, arenas and outdoor locations

◾POS devices with the form and functionality to support unique environments

◾Fast authorizations

◾Chargeback reduction

◾Money-saving credit card swipe rates Send Me the Information

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~~ Merchant Solutions Ignite Payments delivers far-reaching payment options for numerous types of businesses

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•Markets We Serve

◦Gas Stations & Convenience Stores

◦Quick Service Restaurant

◦Wireless

◦E-Commerce

◦Health & Beauty Gas Stations & Convenience Stores (C-stores) Ignite Payments understands that convenience stores and other petroleum retailers have unique needs at the point-of-sale that differentiate them from other retail markets. Speed of service, the ability to accept alternative payment options, minimizing payment processing costs and building customer loyalty are just a few key concerns for business owners in this industry. We offer a complete range of payment solutions designed to enhance point-of-sale capabilities and consumers' shopping experience in the Petroleum/C-store environment. With Our Petroleum Payment Solutions, You Get:

•Various programs designed to help reduce credit card fees

•Streamlined credit, debit and Electronic Benefit Transfer (EBT) processing

•Multi-payment options including pay-at-the-pump solutions

•Expanded payment options with Fleet card acceptance

•Petroleum specific point-of-sale terminals We combine our vast experience in the electronic payments industry to offer you some of the most efficient, targeted payment solutions. As demand increases for flexible payment options, we can help you run your business more efficiently and cost effectively. Petroleum Payment Solutions Include: Credit, Debit, and EBT Processing

•Flexible credit acceptance options enable merchants to offer a variety of point-of-sale solutions and attract those customers who prefer to pay by credit card

•Multiple Debit Acceptance products are available to suit your customer's payment preferences, including personal identification number (PIN) debit and signature debit

•The EBT solution provides the merchant with a consolidated statement and funding stream, documenting cash flow and simplifying the reconciliation processes. And, the service is discreet, with no additional identification or signature needed from the consumer


These materials were prepared by Ignite Payments Lexus Bank Card an independent sales agent for Ignite Payments, LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Ignite Payments, LLC. is a registered ISO of Wells Fargo Bank, N.A., Walnut Creek, CA. Ignite Payments, LLC is a registered ISO of Deutsche Bank, USA, New York, NY. American Express requires separate approval.