API

API, the leader in providing Association Based Pricing, through its numerous partnerships, affiliations, and associations, offers a complete line of merchant services, online merchant accounts, credit card processing POS software systems, POS hardware, and cash advances. Whether you need credit card / electronic payment processing, customized POS systems, cash advances for retail, restaurant, lodging, e-commerce, mail order / phone order, or business to business, we can tailor a merchant account for your needs. We can quickly establish your merchant account allowing you to accept credit cards. The backbone of API's processing capabilities include among others: First Data Corp. and eProcessing Network as its exclusive gateway.

First Data Corp.

First Data Corp. (NYSE:FDC) is a global technology and payments processing leader, serving more than 5 million merchant locations, 2,000 card issuers and their customers and millions of consumers worldwide. Whether the choice of payment is a gift card, a credit or debit card or a check, First Data securely processes the transaction and harnesses the power of the data to deliver intelligence and insight for its customers.

Financial institutions, large and small businesses as well as government agencies rely on First Data to empower them to build stronger, more profitable customer relationships as commerce continues to transform.

Today, data is the new currency. Advances in processing technology enable us to learn from each transaction. And by harnessing the power of that data, we help our customers grow their businesses and take advantage of new market opportunities.

Our innovations in secure infrastructure, intelligence and insight empower our customers to move beyond “electronic payments” to embrace data-driven commerce, which incorporates data intelligently into every transaction.

First Data’s strategic focus is on delivering innovations in prepaid, eCommerce and mobile payments solutions. First Data also provides payment processing solutions such as fraud protection and authentication solutions, check guarantee and verification services and point-of-sale (POS) devices and service.

First Data also offers a variety of payment services in the United Kingdom, Australia, Canada, Japan, Mexico, Spain, the Netherlands, the Middle East and Germany. Western Union and Orlandi Valuta money transfer agent networks include a total of approximately 135,000 agent locations in more than 190 countries and territories. For more information, please visit the company's Web site at www.firstdata.com.

eProcessing Network, LLC

eProcessingNetwork is helping merchants realize unlimited business opportunities and profits with the continued expansion of the Internet marketplace, enabling merchants with an Internet presence to process online credit card transactions automatically and in real-time, using a secure Web page accessed directly from the merchant’s existing Web site.

The latest, most sophisticated digital encryption is used to transmit information between the customer’s browser and the eProcessingNetwork Secure Credit Card Transaction Processing Server. Direct communication lines are used to obtain real-time authorizations from the processor. Plus, merchants get the added convenience of having funds directly deposited to their bank account.

Secure order forms are tailored to match the design of the merchant’s Web pages and automatic e-mail messages are sent to the merchant, as well as the cardholder, confirming each transaction. Real-time communication between eProcessingNetwork and the processor helps ensure the accuracy and validity of each transaction.

Address Verification and Card Verification Value (CVV2) Services are performed to reduce the chance of fraud and charge-backs. Open batches are automatically closed daily so merchants no longer need to purchase additional software to reconcile their transactions. Merchants can limit the number of times a customer can attempt a transaction, and can configure their eProcessingNetwork account to accept transactions only if the customers' AVS and CVV2 data was entered correctly.

Integrating eProcessingNetworks credit card transaction processing service is easy to do. Here’s how it works:

• When the merchant’s customer is ready to buy, they are linked to the eProcessingNetwork Secure Payment Information Capture Form on the eProcessingNetwork Secure Transaction Processing Server. This page matches the design of the merchant’s Web page, and the customer is given visual clues of the forms Secure Socket Layer (SSL) encryption.
• Once the customer submits payment information, the eProcessingNetwork Transaction Processing Server processes the transaction and gives the customer immediate transaction status - approval, decline or other status indication.
• If the processor approves the transaction, an e-mail message containing the customer’s mailing information and order summary is sent to both merchant and customer. Credit card information is never e-mailed, sold or distributed to third parties.

The entire process is simple and convenient to use. eProcessingNetwork offers reliable and secure credit card transaction processing services and professional support every step of the way.